vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2021-11-21 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: VA

Complaint narrative:
On XXXX XXXX2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: MI

Complaint narrative:
I Have prevously disputed the erroneous data for XX/XX/XXXX through XX/XX/XXXX with both XXXX XXXX and Experian. XXXX refuses to fix despite acknowledging status of the accounts as being in a disaster forbearance and subsequent deferment for the period ( s ) of derogatory history reported to Experian. In my prior Experian disputes, Experian has translated it to general XXXX code " incorrect account information '' to get around having to conduct an actual investigation. In its place Experian then requests an automated update of the information for the account/tradeline resulting in perpetuation of the inaccurate/unverifiable information ( adverse credit history ). As an aside, this practice is not new, as XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. provided written testimony to the HOUSE COMMITTEE ON FINANCIAL SERVICES on XX/XX/XXXX, on behalf of the National Association of Consumer Advocates, specifically outlining the practice ( retrieved from https : //archives-financialservices.house.gov/hearing110/osbennett061907.pdf ). A copy of the testimony is attached. 

The attached documentation shows XXXX own response to the CFPB explaining the periods of deferment and forbearance for both subgroups. Consequentially Experian CAN change the information without the input 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 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TX

Complaint narrative:
I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all XXXX consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * Experian * XXXX both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXXXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.

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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ASAP Credit Repair
State: TX

Complaint narrative:
I was scammed out of {$440.00} During the process I been trying to get funds back from the beginning but was told I had to wait until the process was over. I was also told if I wasnt satisfied I would get my money back XXXX percent so during the process the company took XXXX item off which managed to return causing my credit score to drop XXXX points!!! When I informed them they treated me poorly never apologized! I also deleted items off of my credit and I was informed for me to show them proof so they can refund me and when I showed them they ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Debt collection agency or servicer keeps on calling about a debt owed to them since XXXX, I have requested them to provide proof ie invoice for the product or service provided in my name by their customer or original creditor.none provided. They are also checking my credit report on purpose every year inappropriately and without any proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
About a year ago I had opened a Paypal account for an ecommerce site. When I lost the domain name by failing to " renew '' I also lost access to the email used on that paypal account. When I tried to change this information it wouldn't send a " text '' message for me to verify to the number I had already gave them for the purpose - without notify me at all of any changes to their security policy or even giving me a chance to update to a number they found suitable. I was without email access and phone access and I tried for weeks to contact them directly and was told there was nothing that could be done without having access to either the phone number ( which i did ) or email. I then noticed the " verify '' phone number had been changed. I called again and asked until i was able to figure out how to make the impossible possible with gaining access to an email i didn't own the domain to anymore - now my number is something completely different so lock the account. 

I have offered to every kind of piece of government issued ID to paypal - video ... fingerprint ( which they have on file ) ... whatever to prove I am me. All with the reply- unless i have access to that email. So now what - last I knew there was a XXXX XXXX dollars in my account that I can't access. I don't know what else to do. Thank you for taking the time to read my heated letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TX

Complaint narrative:
I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all three consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * XXXX * Equifax both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : AN # XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have paid the entire balance of a credit card, and the payment is cleared through the bank. The cash is already sent to the credit card company from the bank. The payment is being withheld from my available balance and there is a woman who has contacted the credit card company saying she has the authority to make decisions for my accounts, stating that the card should not be allowed to be used. The entire balance is paid with no withheld money from the form of payment to the credit card payment processing center. I have never had an issue with payments, and my available balance is normally for use the day of my payments. The person withholding the available balance is an XXXX XXXX XXXX XXXX. The bank has been abusing me and I have been a victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
Last XXXX I get a call about a debt on a credit card. I told them I didnt make those charges but they kept telling me they were gon na sue and it was going against me. That it would follow me and when I got a job they would garnish my wages. I paid 2300.00 but that wasnt good enough, they then served me from my local sheriff dept. I have since then set up payment arrangements because I dont want to go to court. But again this is a bit my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
I am a XXXX  XXXX XXXX XXXX and was injured at work ( XX/XX/21 ) at the seaport located in XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an emergency room visit. The injury was covered by Workman 's Compensation and I never received a bill from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ). Then Franklin Collection Agency ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) sent me letters and called me in order to collect the hospital payment of {$1300.00}. I have explained to them that it was paid through Workman 's Compensation and even verified that with the Hospital 's billing department. They would not accept any of this and have just ruined my credit score with a derogatory statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX  ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXX XXXX game at my house in Florida. XXXX  was installed XXXX XXXX week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next 2 months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took 2 more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX debit card was stolen off my couch while Was in my bathroom. When I couldn't find it I called in for a new card never recieved it. So Bank of America did emergency XXXX XXXX. The second replacement ordered I still had yet to recieve. By XXXX I called in yet again to find that charges adding up to {$2000.00} from XXXX. I disputed these charges and waited XXXX days they had reimbursed me for XXXX charge of {$34.00} but when I asked about the rest was told there were no other disputes. Which is inaccurate because the {$34.00} was apart of the charges between XXXX but I disputed them all again anyways. They got denied and now when I call I never get through it get hung up on.

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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXXXXXX XXXX  game at my house in Florida. XXXX  was installed XXXX XXXX  week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next XXXX months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took XXXX more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?

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