vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX please delete any other version of my name.I had an issue with my information being compromised and my personal identifiers were being used without my permission and without my knowledge. I was contacted by my bank concerning unusual charges and transactions. I have resolved most of the charges, and now I am dealing with addresses and correcting my personal data. My current and only address is XXXX XXXX XXXX XXXX A, XXXX XXXX, OH XXXX. Please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX. 
I do not have any of these phone numbers please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My accurate DOB is XXXX. My SS # XXXX. 
I have found several Inquires that do not belong on my file that I demad to see proof of these unauthorized inquires please delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, US SM BUS ADMIN ODA

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Call at all times of the day. Morning and night and weekends from different numbers. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NV

Complaint narrative:
There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.

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 2021-05-11 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: NV

Complaint narrative:
There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MA

Complaint narrative:
Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-05-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX Simple Bank, subsidiary of BBVA USA, informed it's customers via email that BBVA had made a strategic decision to close Simple Bank, and to absorb it's customers into BBVA. Simple bank accounts were technically already BBVA accounts on the backend, so we were promised in the email : " We want to assure you that we are committed to making this transition as smooth as possible for you, and that we will provide ongoing transparent and open communication, so you know what to expect each step of the way. ". 

Regular reminders were emailed to Simple customers about the account transition. BBVA had months to plan the transition. The genius executives at BBVA decided to set the transition to happen on a Saturday morning. BBVA online customer service apparently does not operate on weekends. Predictably the transition wasn't smooth like we had been promised multiple times over the course of months. Unpredictable was how badly they messed up the transition. The majority of Simple accounts were messed up and the accounts were locked with no actual way to unlock them given because the phone number they gave us immediately hung up whenever called for the last 3 days. The phone line worked today, only for the customer service rep to tell me there was nothing she could do to help and to call later. So most customers have been locked out of their accounts unable to see what is happening with their finances for going on 4 days now. In a pandemic I might add. 

BBVA 's XXXX @ BBVA_USA has been on damage control for the last 4 days offering very little other than empty apologies and phone numbers you can call and get hung up on. They claim unexpected customer account creation crippled their system. Sounds reasonable enough, until you realize that since they owned Simple Bank, and Simple Bank actually used BBVA banking accounts on the back end .... they had all the information they needed knew exactly how many customers were going to need to make accounts the day of the transition. No steps were made to make it happen smoothly. No support staff was ready for the transition, no extra staff was scheduled to help with the inevitable issues, no system put in place to stagger the account creations required for the transition over hours or days, nothing. They just turned off Simple 's servers, locked us out of our bank accounts, and keep saying how very sorry they are and how unexpected it all was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : 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 2021-05-11 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:
Experian is reporting 6 accounts that I have no dealings no contract and no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all collection accounts

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 2021-05-11 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:
Transunion used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the 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 2021-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I'm getting numerous of calls from this company thru out the day and they aren't very nice calls either. I stated I will pay but I'm still getting harassed and getting called out my name more then once. I asked to speak to a manager and just got switched to another representative. This company is very unprofessional and something needs to be done because I shouldn't be called a XXXX in any shape nor form. I literally been getting calls from this company since XX/XX/2021 all the way up to today which is XX/XX/2021. They said they mailed me a letter but had the wrong address and all I have is voicemails that they left after I told them I'll pay and somehow we got disconnected and I do Security so after I got off I was every name in the book.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CA

Complaint narrative:
I have sent several letters to Experian about two bankruptcies that they are reporting on my credit profile in error. The last letter that I sent was on XX/XX/2021 about the errors that they are reporting on my credit profile. The errors still remain on my credit profile as of today. I will attach supporting documentation for this complaint. I have reached out to all sources about these errors. The XXXX  XXXX XXXX and XXXX. XXXX had also did an investigation and had corrected the information within the files with the two errors and they removed them after also contacting XXXX and other appropriate parties during their investigation. Experian can not say they this matter has been investigated because if they have investigated it appropriately then my credit file would reflect the updated information with the Bankruptcies removed. This inaccurate information on my credit file has caused me to miss out on major decisions in life. This is very damaging and devastating error that has caused me severe XXXX XXXX and XXXX. Can you please investigate this situation and have it taken care of as soon as possible. Thank you for your understanding and prompt attention to this matter.

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 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GSF MORTGAGE CORP
State: OR

Complaint narrative:
XX/XX/2021 The VA loan that I applied for was first a construction loan to build an XXXX home and then turned into a conventional loan a month after the house was completed which occurred on XXXX, XXXX 2021. Then, the mortgage payments started on XX/XX/2021 Prior to the transition to a conventional loan from a construction loan, I asked GSF on several occasions over the phone that I would want to put down money to lower my monthly payments. I was informed that, I would be able to do this at a later date in the loan process. 

Also prior to doing a buy down to lower my interest from XXXX to XXXX, I once again asked if I could give the additional money then to lower my monthly payments and GSF said, '' No, '' that I would be able to do that transaction at a later date. 

After the loan transitioned from a construction to a conventional, once again I spoke to them to put down additional funds to lower my monthly payments. At this point, I was told that, I could put down additional funds but, my monthly payments would not be lowered, only the principal would be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: NE

Complaint narrative:
I do not have the last date that I spoke with Allied Interstate LLC it was sometime in XX/XX/XXXX. When they first called me at work I requested that they did not contact me at work and that the debt that they owe I do not owe what they say I do. I disputed it with XXXX stating that I was two payments behind and I tried to make a payment over the phone to get it caught up but they wanted to charge me a fee so I said I would go online to make the payment. This was over two years ag and they said they shut my online access off and they would not take my payment over the phone of which at the time was only {$50.00}. They said that they would reinstate my online access but I was to either email or mail them a copy of my drivers license and copy of my social security card. I refused to do either one I am not stupid. 

I requested XXXX to have them removed from my credit report since I made multiple attempts to get this caught up and it was but this was prior to Allied buying the debt from XXXX. 

Today ( XX/XX/XXXX between XXXX and XXXX ) I received a phone call from Allied at work the name of the rep. was XXXX XXXX and I told him that they were not to call me at work but he kept on speaking wanting me to verify my date of birth and so on. I informed him that he was violating my request to not call my work and that I was going to file a complaint. He seemed to not even care at all. I do not owe this debt I will not pay this debt. I want this debt removed from all my credit reports and I do not want it resold to another agency. I tried to make payments the company refused to accept the payment and then on top of it requested personal information that could and probably would have resulted in identity theft of which has already happened more than once with me. 

Allied is not to contact me period this debt as far as I am concerned is not owed by me.

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 2021-05-11 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 has limited my account and I am not able to send or receive money. They have done this for no reason. I have given them all the documentation necessary for verification. 

Please, I am requesting the limitations on the account be removed as I have done nothing wrong. 


I could file a report on here as I feel they are not doing their job properly and it is effecting 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 explanation