vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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:
I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I went to a XXXX Event website where someone was reselling tickets to a concert that was sold out. I sent money via Paypal to secure the tickets. The transaction was processed by Paypal and the person never sent the tickets. Paypal policy did not allow for the amount to be recaptured/rescinded because money was mistakenly sent via Friends and Family method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including Transunion, XXXX, and 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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, Experian, and 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 2019-09-25 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
RECEIVABLES PERFORMANC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$1400.00} balance however I do not have knowledge of signing an agreement with terms and conditions with RECEIVABLES PERFORMANC. 

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

In summary RECEIVABLES PERFORMANC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state. 

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2019 my house closed. One of the provisions was to pay off certain notes with various lending institutions. One was a credit card at U. S. Bank XXXX. Unfortunately the title company gave U.S. Bank information on a loan rather than the credit card as directed by a Court Order ( XXXX County NO XXXX, XXXX ) thus creating an error. 
U. S. Bank has been requested numerous times to reverse their action and pay off the credit card with the loan amount and reinstitute the loan, however they refuse! It has been almost 4  months ; their actions have blocked me from obtaining a place to live. Created a negative impact on my treating XXXX XXXX by not having steady place to live, create a routine so I am able to neither cook a special diet nor maintain a healthy living environment. They instead of paying it off per court order have sent it to collection and adversely affected my credit. 
I had planned to move my Tax office to my new home however the office stuff gathers dust in a storage unit and I try to maintain contact thru the internet. I have no office! 
As a XXXX Veteran with XXXX  XXXX wanting to spend what is left of his life in peace and tranquility I have ended up living out of the back of my van, motels and an apartment while my personal & business items are in three storage lockers. 
I have no king size bed but instead a recliner. 
All this because U.S. Bank refuses to correct an accounting error and just ignores it hoping as a XXXX Veteran with XXXX   XXXX  just dies and goes away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 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:
This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.

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 2019-09-25 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:
This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
After several attempts to get information corrected via their dispute process Equifax failed to properly address multiple inaccuracies on behalf of XXXX XXXX in regards my credit file. 

As of XX/XX/2019 after receiving notice and letter in response to a complaint previously filed with CFPB and being provided a copy of the response to delete the tradeline from XXXX. Equifax has updated the report by leaving this tradeline on my credit file They recieved this information from both XXXX during their investigation and from me at the start of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$920.00} collection account however I do not have knowledge of signing an agreement with terms and conditions with I.C. SYSTEM, INC.

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

In summary I.C. SYSTEM, INC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state.

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.

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 2019-09-25 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:
This compliant is file against Experian consumer credit report agency. here are the fact American Experian account # XXXX XXXX XXXX office locator in XXXX XXXX FL this is a corporation account have no place on any one personal credit report there was no personal Guarantee to obtain this line of credit for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX.is a Limiter Liability company ) is a corporate structure in the united state where by the owner are not personally Liable for company 's debts or Liable. Limited Liability companies are hydride entities that company Law state that a business XXXX can not be Legally forced to used personal pony to pay business debt. there is a agency that company can report company who failed to pay there account it call XXXX report agency that who they collect the information from to grant the credit to the company. iam not personal responabile for company debt, but Experian just let anyone place neg information on any one credit they did follow the rule.

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 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/2019 I purchased {$25000.00} worth of bitcoin  cash, derivative of Bitcoin. Please keep in mind I purchased this bitcoin cash solely for the purpose of sending it somewhere else since virtual currency is a supposedly a good way to send larger sums of money. Despite the fee of {$360.00}, I was glad I could get my money in and then over to where I needed it to be. Unfortunately Coinbase, the app that I was using, in which I am fully verified and established, told me my money would be on hold for 11 days! Thats right, I was unable to send it and therefore remove it from the highly volatile conditions of the crypto currency market. I already paid {$360.00} to get it there too. 10 days passed, I am writing to you on the 11th day, the day I am able to finally send my money out and where It needed to be. However, Yesterday, I lost nearly {$8000.00} of my value, In a single day it dropped % 22! I am extremely angry that my hard earned money is disappearing right before my eyes. There is no way I can cut that loss and send the money today. I have contacted the support in the Coinbase app but they seem to automated to notice me. There was no good reason to hold my money for 11 days, if I was able to send it earlier it wouldnt have been a problem. I only learned that the money was being held that long when I attempted to send it. Total I purchased {$29000.00} in bitcoin cash only to send it, not for some type of insane investment. This is evident through me sending some as it became available sooner. I was able to send {$2200.00} total because it wasnt on hold as long. The rest became available today after losing thousands in value.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: FL

Complaint narrative:
I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request. 

This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I have 3 medical bills on my credit report, which should have been paid by XXXX XXXX. I have paid these myself to clear the debt. The collection agency Bull City refuses to remove the debt from my report, so I called the XXXX  ( XXXX XXXX XXXX ) the debt was owed to and they will not pull it back from Bull City. I have receipts that show that these bills have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: FL

Complaint narrative:
I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request. 

This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

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 2019-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Im trying to file a dispute with WAKEFIELD AND ASSOCIATES Last reported XX/XX/2019 {$1600.00} XXXX XXXX XXXX Original creditor It will not let me this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX is the phone number. They called me on XX/XX/2019 and tried to get me to make immediate payment on a debt that was 10 years old, and would not identify who the creditor was. I asked repeatedly that they tell me who the creditor was, and what the atual amount owed was. They continually stated that they would turn over the " judegment '' against me to XXXX County, and have XXXX XXXX block me. I did provide a prepaid debit card, which I later cancelled, and they finally backed off. I need to know If I really need to deal with this or if they are just scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
american express closed my accounts and won't refund the annual fees

Company response to consumer: Closed with explanation