vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because XXXX, XXXX and TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLCwas advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with Transunion and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX Transunion ) and reports as {$11000.00} to XXXX. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with equifax with 2 bureaus but they've reported it as 48 months with XXXX and Equifax. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( equifax & XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021, Transunion credit bureau decreased XXXX  points on my credit score although I notified them of incorrect errors on my credit report and my current debt decreased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time.

Date of last payment is inconsistent across the bureaus.

Date the account was last active is different across all credit bureaus.

Account Balance is different across all bureaus.

The high credit limit is different across all the credit bureaus.

Account is erroneously reporting 30 date late payment on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time. 
Date of last payment is inconsistent across the bureaus. 
Date the account was last active is different across all credit bureaus. 
Account Balance is different across all bureaus. 
The high credit limit is different across all the credit bureaus. 
Account is erroneously reporting 30 date late payment on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Employer : XXXX XXXX XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Employer : XXXX XXXX XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employer : State Of XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Account Status is reporting inconsistently across bureaus.

Date opened is inconsistent across bureaus.

the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Account XXXX is reporting inconsistently across bureaus. 
Date opened is inconsistent across bureaus. 
the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
On XX/XX/2022, I received a telephone call from ( XXXX ) XXXX a XXXX XXXX they were law enforcement and I needed an attorney to immediately call them back or there would be a warrant issued for my arrest. She said her direct line is ( XXXX ) XXXX. They refused to give me their business name. They said it was in reference to HSBC. I have never received anything in writing from anyone about HSBC. I asked for them to send me proof of anything they had and I gave them my address. They refused to give me their address or fax number or email. They used threatening and profane language and are NOT complying with federal law pertaining to the Fair Debt Collection Practices Act. 

Within 5 minutes of hanging up my son, XXXX called me and said they had called him saying they were sending the police after me unless he paid them over the telephone. 

Within 10 minutes of that call my elderly sick mother, XXXX received a call from them demanding that she send them over {$3000.00} or I would be " XXXX XXXX XXXX  ''. The telephone number they called her from is ( XXXX ) XXXX but again said it was HSBC. 

I see online that others have been abused by this " company ''. Please call them and make this stop and please ensure that my rights, and those of others, are enforced and that this company is made to comply with Federal Law. 

I am XXXX battling XXXX and I don't need to be abused by this " company ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/2021 mailed money order to pay mortgage payment. Payment got lost in mail after investigating money order company refunded my money. I have sent all paperwork to ShellPoint explaining what happen and ask if they can remove XXXX late payment from credit report due to mail being lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: NC

Complaint narrative:
this is against american first finance and XXXX XXXX XXXX XXXX.. i was financed through american first finance and purchased merchandise through XXXX XXXX XXXX XXXX  i did not receive all of the merchandise but both parties were telling me otherwise. i was supposed to receive two twin beds with everything but that was not the case. they conned me. and lied to me and wont close out my account with american first finance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - {$8000.00} loan taken from Wilshire Consumer Credit with the terms of 48 monthly payments. 
Last payment paid on XX/XX/XXXX. 
When asked to return my title, XXXX said I still owned them {$9200.00}, generated from late payment interest which is never disclosed to me in my monthly statement. 
They offered to rewrite another loan, and threatened to repo my car. 
When I researched on the internet I found out there is a case exactly like mine posted on the news and XXXX. Due to the involvement of the media and XXXX  the vehicle is returned to the owner and all the fees are waived. 
Here are the link to the video XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
First Tech Credit Union resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by XXXX XXXX who sent me elsewhere while I had a open dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by Credit Union who sent me elsewhere while I had a open dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX Discover card listed above is reflecting the wrong balance owed. Discover has agreed to take payments over 36 months and advised they would post payments and demonstrate the balance is lower. They advised that this would be corrected but does not show a lower balance and payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021, my citi credit card was charged for {$2100.00} by a merchant named XXXX XXXX in XXXX XXXX XXXX, XXXX. I was in XXXX, XXXX. I tried to purchase a XXXX  XXXX  and was told it was rejected by Citi and used a different card to purchase a {$200.00} XXXX. I contact citi? 2 days after I received the charge and filed a fraud transaction. Citi has since denied fraud and did a disputed claim. I received a letter dated XXXX denying this claim. I received no physical evidence of this transaction. I never received any service or product from the company l. I have a witness also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Dear sir i have my account on XXXX XXXX XXXX I try to access one free cibil report. But when i try to login then it gives an error that my password has been wrong. 

When i try to forget it using password forget link. Then it show that password reset link has been successfully sent on my registered email id. 

But there is no email still received in my email account yet. 

I try to forget it many times using web portel and also XXXX  app but still no email received. 

I also complain in customer helpline email. But still no response. 

Please solve my problem as soon as possible. 

Thankyou Registered email id XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I have a major complaint. I pulled my credit report. And noticed that Experian and XXXX have two different account numbers, no address reporting for the bankruptcy reporting on each bureau. Thats fraudulent and misconduct to my future of purchasing a house. I yu have tried communicating with the creditor about this and they have no response. Also there is correct court name reporting on each bureau where the information came from so I have no clue. This is fraudulent! I need this remove ASAP! I know my rights! I have proof of miss information not use correctly on both bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
i am a seller sell products online. Paypal Robbed me for no reason, i sold some legit electronics on PayPal, after few days when i tried to withdraw my money ( {$15000.00} ) they suspended my account, i called them and asked the reason to suspend but they never gave me any reason but told me u will get your money within 180 days if no dispute is made, during that time no claim was made, around XXXX day, XX/XX/2022 they just took money from my account without any notice or anything. in transaction details it says " {$15000.00} USD ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; ''. 

i called them they again never told me what what policy violation i made or anything. 
i didn't violate any policy or i don't owe any money to paypal i dont know why they took my money. i do need your help please i have 2 small kids and i lost my job and have to pay my credit card debt. please help. 
i attached the paypal transaction page which they took all my money. transaction ID and detail is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My issue is with Venmo. I have a personal Venmo and one for my small business. Neither account was used excessively. The business account, on average, handled {$200.00} a month in sales. The only payments I made from it was a monthly payment to an advertising company who handled our social media accounts. I stopped making payments to them several months ago. My personal account was mainly transactions between myself and my daughter who is in college. I would send her money each month for her rent and groceries. 

Both accounts have been permanently frozen. I asked why and they would not give me an answer. I am not running an illegal business, and I report all sales thru Venmo on my taxes. 

How can I resolve this if no one is willing to help me at Venmo? 

Sincerely, XXXX XXXX XXXX  XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation