vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : XXXX. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. XXXXXXXX XXXX, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been harmed by XXXX, experian and XXXX. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax have two credit reports on me. Equifax refused to merge the two credit reports. 
I have requested credit from a Creditor I was denial because of the two different reports. 
They decision which on of my Credit Report to send out. This have created two different FICO scores. This is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I would like to have an investigation opened in regard an account on my credit report that does not belong to me.I was notified through a housing counselor while attempting to purchase a home, that there is an outstanding balance for a credit card that I never had had. The counselor advised me of the negative accounts with this one in-particular being an issue. I have since rectified one and am having difficulty getting the last one laid to rest. The account in question is from Midland Funding. The amount is {$810.00}, which from my last look at my report today has occurred new amount as of today XX/XX/2021 of {$810.00}. I have have taken the liberty of contacting the credit card company once I had the name ; I spoke directly to a supervisor to get clarity on the matter. I was notified that the account was sold. I let the supervisor know that I was not aware of this fraudulent activity until recent. I would like for a fraud case to be opened on my behalf. The account I feel should be opened for more than three reasons. # 1. Inaccurate information and dates. # 2. Identity theft and # 3 Inaccurate documentation. 

In closing I would like for the CFPB to investigate please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Lexington Law charged an up front fee and reoccurring monthly fees to repair my credit. Nothing on my credit was ever repaired nothing negative was removed, my score did not increase, and I paid for a combined total of 2 years @ a rate of {$140.00} a month. This method is in direct violation of law on credit repair services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: PA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
In XXXX and XXXX XXXX I received multiple statements and phone calls saying I owed a balance of {$1000.00} to Phoenix Financial Services LLC. Digging deeper into this information I found out is was from a medical service back in XXXX. I tracked down where I was seen and gave them my insurance information and it was updated and taken care of on their end. I do not owe the company the original debt came from. I called Phoenix Financial Services and updated them on the situation and they said everything was good and should be updated. XX/XX/XXXX I receive two more letters ( dated XXXX XXXX and XX/XX/XXXX ) from Phoenix Financial stating that I owe them {$1000.00} for the same medical services. I called them on XX/XX/XXXX to find out why I am still getting letters. Thinking all of this was cleared. 

I asked to speak with a manager. Someone higher up and the man I explained my situation to told me I was no longer in their system. That they werent the ones sending me this and it was in error. He couldnt or wouldnt look into why I was still getting billed when I didnt owe them anything. He was rushed and didnt want to talk to me. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX, XXXX to make sure this debt is no longer owed. 

IT IS NOT. As of today it is at a {$0.00} balance. That balance was updated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
was harmed by hard inquiry by the SBA for over 100 points after they said they wouldn't do that. than all the other hard inquiries were unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
THIS IS NOT A NEW COMPLAINT. 



RE : CFPB COMPLAINT # : XXXX XXXX XXXX XXXX  # XXXX This is a resonse to Citibank 's letter to CFPB. 

Citibank has reported late payments on my credit card for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

In their letter to CFPB Citibank asserted that they did not receive payments during XXXX, XXXX and XXXX of XX/XX/2021. 

I have attached copies of my bank statements for XX/XX/2021, XX/XX/2021 and XX/XX/2021 showing that All REQUIRED payments have been made on time. 
These payments were paid electronically. 

Citibank must correct their mistake and reinstate my good credit. 

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 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: CA

Complaint narrative:
As start I am non XXXX visa  holding work permit for 3 years ended on XX/XX/2021 but I was giving a car loan for 6 years and now I am not be able to finish it because my work permit is expired on XX/XX/2021 and when I was told to sign the contract they did not ask for my visa or work permit I did not know at that time because I did not get chance to think about it I was under pressure by the salesman what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 Systems,Inc.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CT

Complaint narrative:
I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have contacted this company many times, stating for verification of the debt. The debt does not belong to me and I have no idea what it is about. They keep saying its a hospital bill but dont have any documentations for me to review. I have also contacted all three credit bureaus and they also wont provide me with proof the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I was approved for loan online when I called they denied my request mean while my credit took a hard hit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I received a statement and or reduced balance opportunity, that doesn't coincide with your statement. However I'm given the option to agree with 70 % of total amount owed. Witch is still significantly still not a fair and accurate assessment. If said company were to look in depth, to recorded interactions, they would find where, there was more than minimal discrepancies when it came to customer support and care. Given the situation this opportunity is not acceptable and, I wish to pursue this further. 
Sincerely 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 2021-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have not heard from navient for a long time. All of XXXX I received bills stating that payments were being made. I know I was added to a law suit, but when I called they said my XXXX yr old mom had been making payments. She stated she made no payments. Then XX/XX/XXXX they started sending bills stating we owe XXXX. This is their negligence Don't send bills to 2  seniors citizens trying to collect on their negligence, plus I am a XXXX former XXXX worker with over 20 plus years of service, so I am dealing with that issue also. I became XXXX in my place of employment. I was never told within the year window of time to apply for retirement disability. I even submitted disability paperwork to Navient from my doctor. I lost my home and belongings behind all this. I have nothing. I have been actively been trying to find a federal position working from home which had been requested by my doctor years ago before he passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
I was in a repayment plan back in XXXX, XXXX and XXXX. I had {$1400.00} in my suspense account as of XX/XX/XXXX. According to my lender I failed behind I did not pay submit the payment with 10 days of grace. My grace has always been 15th days. Never I was told during a Forbearance period your grace period is 10 days. On XX/XX/XXXX a check was issued to me for {$1400.00} check # XXXX according to them. I never received the check. On XXXX the XXXX, I asked my lender to put a stop payment on the check and re issued another one. They have not re issued the check and I need the check in order to add to it to make a full payment. Every time I call, I am on the phone for hours and no one can tell me what's happening with the statue of the second check. I am a single mom trying to survive in this difficult time My account with Homebridge financial is XXXX they address is Homebridge Financial. 
XXXX XXXX XXXX, XXXX, NJ XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXXXXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
On XX/XX/2021 I sent Transunion, XXXX and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact Transunion, but still not providing the method used to verify the information. XXXX never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson capital is from a XXXX bill that my daughter put in my name without permission. I told them this i sent the phone back in 14 days there is no way i have a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MO

Complaint narrative:
I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CT

Complaint narrative:
I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : 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 2021-05-17 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: CT

Complaint narrative:
I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : 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