vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX the following complaint was submitted : I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies. 

Following this complaint, the collection company marked the account as closed with the credit agencies roughly 10 days after the complaint was made. The company stated they would mark the account as disputed. As of XX/XX/XXXX, the collection account has been reopened and shows an active balance due, the record does not state that I have disputed the account either. Further, the company stated they would send me info on the account and that never happened and it has been over 30 days since my original complaint. P & B Capital Group continues to make false claims that a debt is owed when that debt has failed to have been verified. They are committing fraud at this point and the false claims have severely negatively impacted my credit- legally speaking, this is a damage and loss that I have full right to claim against them. Their actions are fraudulent and are construed to be harassment.

They have failed multiple times to adequately respond to the dispute ( s ) and they have failed to properly verify the alleged debt in the allotted time offered to them per FDCPA guidelines. Per FDCPA, FTC, FDIC and CFPB guidelines P & B Capital Group is in violation of Federal regulations and State regulations and must be ordered to close the account, remove all negative remarks from any/all credit reporting and end all collection efforts regarding this alleged debt. Prompt action must be taken to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Thank you for your time and convince. XXXX XXXX has made my credit a nightmare of a situation. I have been denied loans, food opportunities, working capital etc. due to XXXX negligence of reporting inaccurate information of XXXX deliquent late payments to all credit bureaus. I have never missed a payment to this date. XXXX and XXXX payments were made in XXXX bulk payment via money gram to XXXX XXXX. 

My family new truck was held at XXXX chapel of XXXX ( XXXX XXXX, FL ) dealership for nearly XXXX months during this supposedly occurrence of late payments. 
XXXX XXXX XXXX also compensated us these troubles. 


please fix this issue, thank you for your time,

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, XXXX, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, XXXX, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these ( 8 ) inquiries. These ( 8 ) inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately.

. TransUnion must provide how they verified these inquiries belong to me.

1 ) How did you verify these inquiries?

2 ) Provide an original contract/agreement with my wet signature authorizing these 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
portfolio recovery assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
 Damaging my credit score, getting phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: KS

Complaint narrative:
In early XX/XX/year>, I talked with a career coach from XXXX who was surprised to hear my graduation date was not updated with Mohela and my payments were not being deferred while I was still in school. I was not aware that a graduation date update could even be made with Mohela until this conversation. 

My private student loan has a 21 month period where payments are {$150.00} minimum while I build experience in my profession with low pay, which is intended for after graduation. After the 21 month period ends, my monthly minimum payment is about {$1500.00}, so deferment is a big deal as this amount would be more than half my monthly income during the latter part of the 21 month period. 

On XX/XX/XXXX, I had Mohela email me the necessary information for a graduation date update : Student Name, Students Loan ID # or Last 4 SSN, Original Graduation Date MM/DD/YYYY, New Graduation Date : MM/DD/YYYY, Is the student enrolled at least half-time or more?, Reason for graduation date change, and Signature of School Official. It took my school a while ( XX/XX/XXXX ) to get together a letter with that information. The letter had all of this information that Mohela requested, but they are now telling me that my graduation date change has been declined because it's missing necessary information ( that is there ) or the information is not formatted exactly as they have requested ( the new graduation date was in the body of the letter ). 

When I contacted them today XX/XX/XXXX for what information was missing, they emailed me the same list of required information which completely matches the previously provided information and is all present in the letter my school provided me. 

I asked them to resubmit the graduation date today because it has all of the information requested, but I was told it was already denied so nothing would be done. 

Claiming that the formatting of the letter the school provided the information in is an unreasonable burden on me, creating pointless delays and discouraging me from properly deferring payments while in school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This all happened on XXXX on XX/XX/2024 I am part of a face group that was a private group for XXXX XXXX and someone posted information with pictures of items they were selling. They explained that the dad was going into an XXXX  home and they needed it to sell all these items I trusted it because it was in a private group, I was interested in a few items I messaged them they wanted a deposit to hold the items they said to send it by Venmo. I tried sending it but it declined. Tried sending it again and it declined. They gave me a different user information to try. I did that one a couple times as well and it kept saying it failed. I called Venmo and they said XXXX of the transaction actually went through so I messaged the people back because then I started to be concerned and asked them to send the money back and they said they never received it, also, they told me to make sure I put, friends and family for the reason Im sending the money and later I found out that with Venmos rules that youre supposed to put the actual items in that and thats why they told me to put friends and family. I reported it with Venmo and also with my Venmo credit card I only got one of the transfers back and they sent me a letter stating that I wouldnt be getting the other transfer which was {$510.00}. I am planning on paying everything off and closing both my accounts, I took screenshots of the messages with this person and also have a screenshot of the post that they somehow put in the private XXXX XXXX. I was going to chalk it up to a lesson learned until I found out that I could report it to you guys, so that is what I am in the process of doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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:
" When requesting to delete XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX  XXXX, you also deleted an address with the name XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX. Please restore it to my credit report history, the correct address that should not have been deleted ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX : {$500.00}

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the proof that my account was charged off, but they were unable to do so. 
I literally traded my car in and they are reporting it as a charge off on my credit report, which is harming 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the proof that my account was charged off, but they were unable to do so. 
I literally traded my car in and they are reporting it as a charge off on my credit report, which is harming 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 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I opened a SoFi checking/savings account and set up a direct deposit using the forms provided by SoFi. My payday came and went, and no direct deposit. I attempted to contact SoFi but the company is run solely by XXXX XXXX. Finally after scouring through the FAQs I found my answer as to why no direct deposit.

Well my employer timely sent the funds as instructed, again, using the forms provided by SoFi, but SoFi stated in an answer to a FAQ that the funds will not be available for 1-2 pay periods - XXXX XXXX XXXX 

Nowhere in the 'fine print ' does SoFi advise customers that they will be holding your money hostage for anywhere from two to ten weeks. I am glad I only had {$100.00} sent to SoFi otherwise I would not be able to pay my mortgage and other bills for two to ten weeks. How can this even be legal?!?!

I do not have time to wait for the Class Action law suit, I am just hoping that I can get my money back, as I have been reading that SoFi will let you close your accounts but they won't return the balance of the account to you - XXXX XXXX... this is NOT XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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