vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Sent MOV to experian. No change they stated valid. Sent XXXX XXXX XXXX XXXX debt validation letter XX/XX/2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. XXXX XXXX sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from XXXX they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.

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 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
On XX/XX/2020, I noticed that my balance was really low when i signed in to see if my direct deposit had hit yet. I started reviewing all the transactions and found XXXX charges to XXXX that were not mine. I contacted Current and filed a dispute and was told that i would be recieving a provisional credit for the charges until the close of the investigation. I have not received any credit nor have they done anything about it. I have tried chatting with them through the app and get told the same thing every time, " its in review ''. There were XXXX charges and i have listed them below : 1. XX/XX/2020 @ XXXX for {$120.00} 2. XX/XX/2020 @ XXXX for {$210.00} Total : {$340.00} I just want my money back. Any other bank i have done business with would have had this back in my account a very long time ago. If you can help me out with this, i would appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: SC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity.

I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will file a complaint right away!

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 2021-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reported and disputed the XXXX XXXX  account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XXXX 2018. However still reporting late payments. It will come off for a few months then come back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: IL

Complaint narrative:
Im making this short because Im being blocked on here accountXXXX XXXX  XXXX  allegedly openedXX/XX/XXXX/XXXX it got updated to stay in my report untilXX/XX/XXXX how is this possible with the statue of limitation clearly another violation

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 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A credit card was opened in my name in 2018 with the wrong address. I am being garnished for XXXX. I contacted my HR to find that Midland funding llc is collecting this money off of a fraudulent acct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. it has been well over 30 days, and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has beenwell over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
There were two fraudulent charges submitted to my Paypal account on XXXX XXXX, 2020 in the amounts of {$790.00} and {$1000.00}. Paypal is refusing to remove the charges from the account after providing them with sufficient proof.

Company response to consumer: Closed with monetary relief