vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian just refuse to correct the issue with XXXX displaying this late payment in XX/XX/XXXXwhich is not true. In addition I attached a picture showing the " Status Date '' has " NOT BEEN UPDATED '' and Status Date per their description on their pages states : Date the creditor last reported information about the account " PAYMENT STATUS ''. 

My payment status has been great and I should not have any late payment displaying. I'm going hold Experian liable for this error as I have tried to correct this error over 3 years. This is only displaying on Experian. 

In addition to that, this accounts should be showing closed since I do not have to pay on them until XX/XX/XXXX, per the Department of Education and the loans are more likely will be forgiving because of the illegal practices of University of XXXX. 

Please correct this payment history or face legal actions this Experian last chance!

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: TX

Complaint narrative:
My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Data breach information compromised. Don't recognize account

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 2021-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I got my free credit reports from the XXXX XXXX XXXX website and after looking through everything, I still see a ton of major errors. Ive disputed these errors myself since XX/XX/XXXX in last year and the credit bureaus failed to delete this wrong information. I sent disputes myself directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and attached proof of my ID and proof of my address. Theyve had ample time and Its unacceptable that even after these reporting companies supposedly did an investigation of these inaccurate and fraudulent accounts, these blatant errors are still sitting on my reports and affecting my ability to purchase a home. Something has to be done and that is why Im filing a complaint. Ive never received any correspondence or proof of verification from the bureaus. I can only see the notes under these inaccurate and inconsistent accounts on my free credit reports The addresses reporting with all 3 credit bureaus are inaccurate. Its really scary to me that theres all this information like addresses that arent mine on my credit reports and the bureaus refuse to delete it. There are multiple inaccurate collection accounts and activity being reported that I know nothing about with company names I know nothing about. ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or even XXXX  XXXX XXXX that reports an undesignated owner ). This is extremely frustrating and I dont see how the bureaus can claim to have investigated these errors but cant provide any verification or proof of how/where theyre getting this information from and they arent deleting this fraudulent and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING continuously updates the 'date of last activity ' to XXXX . They also report 3 completely different 'date of last activity ' to all 3 credit bureaus. I have disputed directly with LVNV and all 3 credit bureaus. The only responses I have received is " This account is verified ''. How can an account with 3 different DOLA be verified? This proves that there has never been an investigation of this account. 


The reporting of the 'Date of last activity ' is reported as is : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The companies in this complaint are continuing to report fraudulent information on my credit report. I told them my identity was stolen. They still are ignoring me and reporting the fraudulent information on my credit report I sent them multiple letters explaining the issue. They claim they are verifying the information, but how can verify something fraudulent??? Then they said I didn't provide no information on the accounts such as account names and numbers. How? We'll once again im uploading my letters I sent directly to XXXX containing all the information they said I didn't provide, such as account names and numbers. I sent these letters to the companies as well along with my police report and they still to continue to break the law and report fraud on my reports.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not helping me getting back up. 
i contacted paypal company but I wasn't able to talk to the person directly and reach a message to them but they wasn't seem helpful about the issue. I wasn't able to withdraw my money {$200.00} on my balance because they permanently limit my account with all of a sudden, i didn't find my account suspicious i explained to them that i travel on our province urgently because of my family member is sick and a cause of changing if my I.P address info of my account. they didn't demand documents or any file to resolve the issue of my account and just said i can't no longer use my PayPal account. But, I urgently needed my Money for my parent 's medical expenses. 
i feel they aren't doing their job and affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
This is my 4th compliant to CNB regarding my gift card order. Please reference my previous compliant ID XXXX, XXXX, and XXXX. 

In CNB 's responded letter date on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all those letters did not provide the evidence that I received the gift cards, and didnt provide the full gift card numbers. 

I didn't receive the gift card that ordered from CNB until today.

From the gift card transitions records, it is obvious that both gift cards were not delivered to me.

Please CNB answer the following questions : Did CNB provide the shipping tracking number?

Can CNB provide the my signature for the package delivered?

Can CNB provide the evidence that I received the gift cards?

Did CNB provide the gift card full number to me?

Did CNB provide the protection for the gift card activate?

Can you report your gift card lost or stolen just using last 4 digits gift card numbers?

CNB has to be responsible for the gift card lost or stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AZ

Complaint narrative:
Negative debt or personal credit un-necessarily reporting late or insufficient negative or late debt data, No un-necessary legal reports have been alleged to have occurred to collect any late or negligent payments. 
Only one auto loan that is two months in posted ahead of payments scheduling.

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 2021-01-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MO

Complaint narrative:
My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MO

Complaint narrative:
My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached

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 2021-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On my medical bills, I have california, XX/XX/XXXXcompensation I have had it for 26 years and they still don't bill it I even worked at one of the XXXX  for 16 years and they still don't bill it correctly. I have this years new award letter. I get every year.Due to Complex XXXX I have XXXX XXXX  and XX/XX/XXXXXX/XX/XXXXbut why do I have to have had credit because they don't do it right.a victim should be victimised by the bill for treatment on her credit. Just saying.so please remove it and after being told 26 years to bill it right can't u make a note on ur system instead of bringing my credit down cuz someone didn't bill it properly XXXX  I have XXXX debt on credit and most is medical and can email u a copy of award letter please remove it thank u and I apologise but I'm trying to buy a car and I shouldn't have to do your companies billing just so I can have a proper credit rating to buy a car. Please don't be offended I know how billing Is I understand but from this side I have to fix the billing on my medical before I can buy something for 26 years it gets old. I was abudted in XX/XX/1993so that's along time of fixing it Everytime I want to buy somethint. Thank you have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-26 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: FL

Complaint narrative:
I got my free credit reports from the XXXX XXXX XXXX website and after looking through everything, I still see a ton of major errors. Ive disputed these errors myself since XX/XX/XXXX in last year and the credit bureaus failed to delete this wrong information. I sent disputes myself directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and attached proof of my ID and proof of my address. Theyve had ample time and Its unacceptable that even after these reporting companies supposedly did an investigation of these inaccurate and fraudulent accounts, these blatant errors are still sitting on my reports and affecting my ability to purchase a home. Something has to be done and that is why Im filing a complaint. Ive never received any correspondence or proof of verification from the bureaus. I can only see the notes under these inaccurate and inconsistent accounts on my free credit reports The addresses reporting with all 3 credit bureaus are inaccurate. Its really scary to me that theres all this information like addresses that arent mine on my credit reports and the bureaus refuse to delete it. There are multiple inaccurate collection accounts and activity being reported that I know nothing about with company names I know nothing about. ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or even XXXX  XXXX XXXX that reports an undesignated owner ). This is extremely frustrating and I dont see how the bureaus can claim to have investigated these errors but cant provide any verification or proof of how/where theyre getting this information from and they arent deleting this fraudulent and false information.

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 2021-01-26 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: CA

Complaint narrative:
Address information is inaccurate on credit report and I was a victim of identity theft in the past. Would like all address removed and updated to current address

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