vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q. Data International, dba XXXX XXXX XXXX says that I owe them {$1300.00}, a debt that the alleged original debtor confirmed that I do not owe this alleged debit. 

Why is I.Q. Data International is requesting payment for a false debt? 

Please removed this fraudulent collection account from my credit reports immediately. 

I have attached Identity theft report for review and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: AES/PHEAA
State: NY

Complaint narrative:
PHEAA erased my student loans as requested with all credit bureaus. However, XXXX  missed the elimination process. I ask XXXX  to reinvestigate the matter and delete the PHEAA student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania Higher Education Assistance Agency ( PHEAA ) /American Education Services ( AES ) /FedLoan Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of your account. Please Note : PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was XXXX  and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of certified mail.

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 2021-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is against Equifax only. I am in the beginning of my first time mortgage/homebuying process and I have to remove the dispute comments from my Equifax credit report. XXXX and XXXX have done it within 24-72 hours but Equifax is taking 30 days and they told me that there is no way to expedite it which is absolutely false. Equifax has a expedited dispute service that they offer, they just did not tell me about it and its for a fee. I am trying to obtain the American Dream, and Equifax is making it very difficult for me to do that plus they have bad customer service. I do not feel that I am being treated fairly as a consumer especially in relation to the other credit bureaus which act promptly in making sure my credit score is accurate and up to date. It should not take 30 days to delete the word " dispute '' from the comments of a 3 accounts on my credit report, and if it does take 30 days then that there is a problem within itself. Mortgage timelines need to be taken into consideration, Equifax does not care about anyone but themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: NY

Complaint narrative:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was Equifax and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Comerica
State: SC

Complaint narrative:
I submitted disputes for the month of XXXX. They have on record. Then they sent required paperwork to wrong address 4 times. After I corrected. Locked.me out my account three times because the guilty party. Changed the account information. They have tied me up 100 hours in their automated nightmare in obvious attempts to get me to just give up all together so that they don't have to give me the money that is insured by the Federal deposit insurance corporation. This is my XXXX money given to me by the government and if not for the fact that I was XXXX no regular American consumer would ever have the time I've spent on these phone with these people trying to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting

agencies : 1. Identity Theft XXXX  Account Number : XXXX XXXXhis is not mine.

2. Identity Theft SPS Account Number : XXXX  This is not mine.

3. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent National Credit Adjusters a request to validate account via certified mail. National Credit Adjusters responded on XX/XX/XXXX, stating that they received my written request but it may take National Credit Adjusters more than 30 days to investigate. As of today, XX/XX/XXXX, I still have not received a response from National Credit Adjusters validating this Unverified/Inaccurate information which is a violation of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if you can not verify because you sold the referenced account with disputed information, then you are reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

In addition, this request is non-compliant because under State and Federal Statutes a response should have been received within 30 days or item should be deleted from my credit file. I reserve the right to file charges and take legal action to recover damages, if this is not removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: AES/PHEAA
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
On XX/XX/2021 I mailed Experian a certified letter stating that the derogatory marks on my credit report were incorrect and needed to be removed. My personal information was involved in multiple data breaches and I feel like my requests as the consumer are being ignored. This is the only company that kept these deragatory marks on the file as XXXX  and XXXX  have complied.

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 2021-07-20 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: IL

Complaint narrative:
I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV is trying to collect a debt for an account I've never had. I've never used a credit one bank. This is fraud, LVNV lies and threatens to damage my credit. They won't provide the proof or the original application. They have the wrong info. They also won't provide that they are able to even collect in my state of texas. 
XXXX  Report # : XXXX LVNV Accounts : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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
State: OR

Complaint narrative:
I opened a Venmo account on XX/XX/2021. On XX/XX/XXXX I transferred {$8300.00} into my Venmo account. On XX/XX/XXXX I initiated a 2-3 business day bank transfer ( Transfer Transaction ID : XXXX ) for {$2800.00} to my bank account ( XXXX XXXX XXXX XXXX ). The {$2800.00} is still not deposited into my bank account, not is it showing in Venmo. Also on XX/XX/XXXX I received an email saying my account had been frozen. It asked me to provide my ID to reactive my account. On XX/XX/XXXX I received a reply from XXXX telling me that my account has been permanently deactivated for violating the user agreement. I asked what I had done to violate the agreement to which he replied " We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems.. ..I apologize that we're no longer able to assist you. '' Also I sent {$3000.00} to my roomate, his account is also frozen. Please help!! I need my money ASAP! Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
XXXX XXXX  and XXXX XXXX XXXX submitted erronous documents through court which caused judgement. Lawfirm agreed to voluntary dismiss without prejudice .XXXX needs to remove account from credit report if not please help setup courtdate. Also XXXX  had me sign 2 contracts and i was not aware they made changes. Loan sharking should be illegal especially when you have good credit Also experian because they see the legal document stating dismissed without prejudice and still has not removed. I also have letter from judge himself stating im done

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 2021-07-20 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: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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:
XXXX XXXX  submitted fraud documents which caused wrongfull judgement from collection agency XXXX XXXX XXXX i have attached voluntary dismisal WITHOUT PREJUDICE. XXXX XXXX  reporting has to be removed.

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 2021-07-20 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: IL

Complaint narrative:
I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.

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 2021-07-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
due to Covid it has been especially difficult being a minority to survive with no working capital to continue business. For the first time I decided to apply with a lender but first I wanted to check my credit and when i did, i found numerous hard inquiries that I did not execute. I immediately notified all 3 reporting agencies and XXXX bank. XXXX, XXXX, and XXXX  did their own investigations and concluded that it was fraud like i said. I just received a letter from Transuions telling me that they will stay on my report. I need to know how 4 reputable institutions did an investigation and came to the same conclusion but Transunion. It makes me as a consumer feel as though I am being dishonest even though I was victimized. I had to get a new server and place XXXX XXXX XXXX XXXX  on all my devices which is an extra expense that I can not afford. I took all the necessary steps to ensure my information is kept private. 
However, now because Transunion has decided to keep these on my report for the next 2 years which is unacceptable. If you view my report you can CLEARLY see multiple inquiries on the same day. ALL of my bills are completely paid on time and or paid off, no bankruptcies or derogatory or dilquancies I am submitting my second complaint regarding Transunion reporting the WRONG information on my report and I was never notified of these inquiries. Even with having a freeze on my 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 2021-07-20 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: PA

Complaint narrative:
A balance increase on one of my cards by XXXX, and Transunion decreases my score 33 points?? 
I've never seen such a thing, they do not mention that I have paid off 3 credit cards, so my score should be the highest being that I just paid over XXXX down This is unfair practice and makes absolutely no sense! 
XXXX  sees an increase of XXXX and shows a decrease of 2 points, and also does not show my payments of over XXXX being made. 
The 33 points for a XXXX increase is not fair or correct. How are people supposed to live with this constant scoring errors?

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called, and called, and called. I asked to have my account closed due to unauthorized purchase and activities. I have been patiently waiting for my new card for almost 4 weeks now My name is XXXX XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX, CA 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