vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$4300.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.

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 2020-03-27 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.

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 2020-03-27 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has harassed me, attempted to sue me, used obscene and profane language, and attempted to collect a debt from me that did not belong to me. They also infringed upon my right to privacy as a consumer. These are all direct violations of USC 1692. Portfolio is violation of the following : 1, 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692c. ( 3 ) 5.1692d. ( 1 ) 6.1692d ( 2 ) 7. 1692j. ( a ) I have attached all exhibits as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX see attatched FRAUD CLAIM {$470.00} XX/XX/XXXX Confirming ( USAA policy Temporary Credits Must be made Permanet Upon Completion of Investigation. ) Date of claim was XX/XX/XXXX XX/XX/XXXX * USAA TOOK A YEAR TO COMPLETE INVESTIGATION AND MAKE TEMPORARY CREDITS PERMANET. Based on USAA Policy Above KINDLY NOTE XX/XX/XXXX STATEMENT USAA TEMPORARY OTHER CREDITS XXXX TOTAL {$2.00}, XXXX ** When?? were these {$2.00}, XXXX Temporary USAA Credits EVER MADE PERMANET AT A LATER DATE PER USAA POLICY?? * YOU KNOW AFTER WAITING OUT THE COMPLETION?? OF INVESTIGATION? LIKE THE XX/XX/XXXX FRAUD * YOU KNOW TAKING A YEAR TO COMPLETE AND BECOME PERMANET CREDITS.?? WHEN?? WHAT STATEMENT?? AFTER XX/XX/XXXX?? WERE {$2600.00} MADE PERMANET???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed by a person and he took {$100.00} from me saying he would pay it back so he told me to paypal the money to his 'accountant '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with Experian, XXXX  and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to experian that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from Experian, XXXX  and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

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 2020-03-27 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: FL

Complaint narrative:
I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XX/XX/XXXX, Equifax and XX/XX/XXXXand was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Two days ago I opened an email from Experian Credit Reporting agency to find this note Please review your alert, your FICO score has decreased. This is terrifying news for anyone. I pay my bills, always, never late, always paid in full. I immediately went to their site to ask for my credit report and after filling in the form they came back with a refusal. I couldnt even look at my credit report? 

After over 55 years of near-perfect credit that I worked very hard to maintain, in XXXX I had a bankruptcy. In XXXX I was finally able to obtain a credit card. Know this, I have never been late on a payment to any company, I have never paid less than three times the minimum every month to XXXX XXXX and XXXX. I work very hard to be in good standing. Why did my credit score go down? And why couldnt I get a copy of my credit report? I asked first via XXXX XXXX  at Experians site two hours later after being passed around to agents, no answer but passed on again. This was an exercise in futility and took many hours. 

So, the reason they arbitrarily lowered my credit score is  this : Im apparently using too much credit. Yes, I am using more credit, not however ever exceeding my limit and never behind in payments. Heres the justification they sent me : https : //www.experian.com/blogs/ask-experian/how-utilization-rate-affects-credit-scores/ I explained to them I am XXXX years old, have no car, live on social security, must have everything delivered because of course, being high risk, I am terrified to use public transportation, there is a {$60.00} minimum on groceries so even if I only need a loaf of bread, I still have to order {$60.00} worth of groceries to get it delivered. My money goes very fast since the pandemic and I dont get paid until the XXXX, so yes I am, WAS, using more of my ALLOTED credit, now Im afraid to even use that. And by the way Experian, have you heard of coronavirus? 

This experience with Experian took many hours, from very early morning to after XXXX XXXX and oh, the reason I wasnt able to obtain my credit report? Because I had changed my login it was my fault. 

Credit reporting agencies have the power to destroy lives. Willy nilly. And there isnt a XXXX thing we the people can do about it because money rules the world. 

I have all the communications between myself and Experian and can provide if necessary but don't know how to attach to this complaint.

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 2020-03-27 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: FL

Complaint narrative:
I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with XXXX, XXXX  and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

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 2020-03-27 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: FL

Complaint narrative:
I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, Equifax and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was told this person needed money and that he would pay me back but after I sent the money to XXXX I did not get anything back nor did they ever contact me. I am very upset about this and I wish it never happened since I am a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX  and XXXX have removed the account from my report, however, Experian and XXXX  have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a government contract is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Pentagon Federal Credit Union was removed from my credit file about 3 years ago. At this present time the credit account is appearing on my file once again.

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 2020-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bank with SunTrust, while I am aware of excessive transfer fees from savings to checking the current situation in the economy sort of has things uncertain. Due to that I had to make several unplanned and ultimately unexpected withdrawals. It egregious for big banks to be taking up fees on consumers in the mixt of a global health concern with many states being in a state of emergency. I'm sure banks will receive kickbacks, funding and other breaks in the stimulus bill so for banks to continue to charge excessive fee withdrawals when the entire country is in a pandemic is bad business.

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 2020-03-27 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: GA

Complaint narrative:
I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX and XXXX have removed the account from my report, however, XXXX  and Transunion have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a XXXX XXXX is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.

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 2020-03-27 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: FL

Complaint narrative:
MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-27 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:
My matter was forwarded to Equifax on XX/XX/2020 and I received a response on XX/XX/2020 from Equifax stating that the process generally requires US/EQUIFAX to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. It has been a total of 35 days. Per FCRA and the ftc.gov website credit reporting companies must investigate the items in question and respond within 30 days. There is no legitimate reason for the disputed account to continue to appear on my credit report ( PAST 71/2 YEAR STATUTE OF LIMITATIONS ) ( In total violation of FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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