vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Name, address, place of employment, and phone number is not correct on my credit profile. I have asked Experian to update and delete this information but the have not honored my request stating that the information has been verified. 

If there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. 

The reporting of this information negatively effects my credit as inaccurate reporting can be a concern of identity theft and other persons information may be link to my personal credit profile.

A consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to Experian which has authorized this furnished account. 

A consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

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 non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Walwick, Inc
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX XXXX are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
While Im the mail I never received my card so Im guessing someone stole it I only have access to the online part but someone has access to the physical card that they stole on the mail now American Express says theres nothing they can do about it which is really messed up because I lost {$3000.00} today it was supposed to be a gift for my mother because shes at the hospital but now I have nothing for her but I called the company and they were really rude and telling me to call the merchants which I did and they told me to call the financial intuition but AMEX doesnt do anything Or help they treat their customers so bad these are the transactions : Credit transaction - XX/XX/XXXX eastern standard XXXX In their time XXXX # 1 XXXX XXXX  {$1000.00} XXXX XXXX Gadget gone {$600.00} XXXX eastern standard time XXXX service desk XX/XX/XXXX XXXX XXXX service desk {$50.00} eastern standard time {$32.00} {$15.00} XXXX service desk XXXX XX/XX/XXXX - according to XXXX the customer representative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Today XX/XX/2021, I received a notice from XXXX XXXX XXXX that I owe {$940.00}, reference XXXX. It indicates the original creditor is " PayPal/PayPal ''. I only charge {$78.00} for payment by PayPal, and have automatic payment on balance due. XXXX XXXX XXXX is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted PayPal. I have been unable to make contact with XXXX XXXX XXXX. I have file complaint with Nebraska Attorney General. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
TransUnion has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. TransUnion has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer 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 explanation
Consumer complaint received 2021-11-02 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 6. XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX ; 7. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 8. XXXX XXXX Inquired on XX/XX/XXXX ; 9. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 10. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 11. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 12. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 13. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 14. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 15. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 16. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 17. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 18. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 19. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 20. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 21. XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Walwick, Inc
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 explanation
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2021-11-02 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: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I purchased a prepaid hotel voucher from a merchant named XXXX on XX/XX/XXXX. I redeemed the voucher for a hotel reservation scheduled for a trip occurring in XX/XX/XXXX. The hotel called me to tell me the travel supplier has gone bankrupt and the reservation has been canceled and will not be honored. I tried to dispute the charge for the voucher, since services I paid for are not being delivered, and the card issuer is refusing to accept a dispute claim because they say the original charge is too old. 

The merchant 's bank took the credit risk on this merchant and they are the ones who should be eating the risk of a merchant receiving advance payment for services not delivered by its merchant client

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 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: Sequoia Financial Services
State: CA

Complaint narrative:
XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
5/3 bank made a XXXX  payment transaction of {$430.00} while I am not even a XXXX  customer. I notified the bank many times and no action has been taken to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This debt has been falsely added to my credit report and has negatively affected my credit.

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 2021-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
Servicer did not pay my Property taxes for XXXX. I have FHA escrow account. I XXXX XXXX ended Forbearance on XXXX XXXX I notified Servicer I was able to resume regular mortgage payments. I qualified for Partial Claim on XX/XX/2021. I signed documents on XXXX. Called once a week for updates. On XXXX was told my partial claim was denied and was verbally Threatened Forcosure Proceedings will start Immediately and was also told ( By the way you are behind on your Escrow XXXX ) Tax Due is XXXX Past Due, in the ReD. I verified this with County Tax Accessor. In Danger of Tax Lien, penalties, fines in XXXX. 
Mid America Mortgage has been uncoperative from the beginning of Forbearance. 
Also was told I need to pay lump sum to avoid Forclosure. Servicer has updated total amount with interent, fees, other charges on Statement. No other options were offered. 
I also made a mortgage payment for XXXX for XXXX. Not Credited to XXXX Mortgage. 
1. mis-allocated payments- used for other accounts. 
2. Lied about having paid Property taxes. 
3. Intentional Harm to force Forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My account that has been open for over 10 years was closed with no warning or opportunity to prevent closure. I was notified via email at XXXX XXXX  EST that my account was closed, called immediately requesting that the account not be closed, and was told that to reopen the account I would have to get a new account with a full credit check. 

I was giving not given sufficient warning that was going to happen, and this is negatively affect my credit score.

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 2021-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
In connection with the latest complaint ( XXXX ) the consumer has also found more discrepancies regarding the agreement of a credit sale within the Code of Federal Regulations. 16 CFR 433.1 Falsified character amounts on previous billing statements that have reflected a positive balance, On contrary Ally stated an amount was owed. This can not hold true as a negotiable instrument was presented by the debtor at the time of signing.

Ally and the consumer had an agreement incidental with a credit sale according to 16 CFR 433.1 Ally has not followed the Guidelines set in Regulation Z. During This Credit sale the consumer had given not one but 2 negotiable instruments My Credit card ( SSN ) and my Signatured ( Blank Endorsement ) Promissory note. I have not received any equity in this transaction, I was not Notified of an UCC-1 Lien paperwork holding security interest over the asset, and I have be coerced into deceivingly handing over legal tender not lawful money ( Gold and Silver ) as Ally has illegally Accepted it in connection with the alleged debt collection of this account. 

Ally Had adverse action towards the consumer by illegal repossession of the vehicle.

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 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I see that this company is reporting unverifiable and inaccurate information on my credit report. I request a validation debt letter and also for this company to cease all forms of communication with me through any and all mediums. also This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor. I only can validate this debt. I do not validate this debt therefore I demand this company to stop reporting this unverifiable information on my credit report. This company is in violation of several FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
I had a few hard inquiries and a charge off on my Transunion credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.

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 2021-11-02 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NAVY FCU XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
TransUnion Credit Reporting Company, Earlier this year (XX/XX/XXXX ), TransUnion Credit Reporting Company was reporting active Student Loan Accounts when they had been completely forgiven in XXXX. TransUnion, after filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) removed the amount owed; however, TransUnion kept the accounts ( with a XXXX balance ) on my TransUnion credit report. 

My student loans were forgiven and should have been completely deleted from my report not only zeroed out. Further, several of those student loans are from XXXX, which should be deleted from the credit report starting with XXXX XXXX ( XX/XX/XXXX ) through XXXX  XXXX XXXX ( XX/XX/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 2021-11-02 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: CA

Complaint narrative:
I had a few hard inquiries and a charge off on my XXXX credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.

Company response to consumer: Closed with explanation