vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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:
Ive dispute a collection that a never open 5 Times and 5 Times they told that is accurate. I called the collection agencies and my information doesnt even show up on their systems. Not even name, DOB or SSN. Nothing. They told that it must be an experian error but experian keeps insisting that its correct when its not. I never open that account that shows in collection in the report. That needs to be remove from my credit report immediately.

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 2020-10-09 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my Equifax credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: AZ

Complaint narrative:
Experian has incorrectly closed my dispute ( the other two agencies reviewed the exact same dispute and removed the incorrect information from my report ). I have tried for days to reach Experian through the numbers they provide on their emails and website and their automated system will not connect you with a person and just disconnects you.

This is completely unacceptable considering how much control Experian has over consumers ' financial futures.

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 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My complaint is towards the online bank Paypal.

This is my story. I will try and keep it short ...

I provided a writing service for someone who paid me approx {$50.00} for the service I provided. He paid via PayPal. I have screenshots.

A few months later this party opened a chargeback case with his bank.

The case was opened with PayPal.

PayPal assured me that if the case was lost they would give me the opportunity to provide any screenshots or proof that I have. This is actually required by law that the consumer has a right to dispute the case with proof.

PayPal later closed the case and NEVER gave me the opportunity to provide ANY proof what so ever. In fact they have been trying to collect on the debt PRIOR to even closing the case which goes against laws established by the Fair Debt Collections and Practices Act.

I want this case DROPPED from PayPal and I want my account CLOSED with PayPal.

They are breaking several laws and every attempt I have made to contact the party that paid me results in returned email as if his email no longer exists.

Every attempt I have made to resolve this with PayPal customer service results in a canned pre-scripted answer that does not help AT ALL. 
My PayPal account is under the email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: TX

Complaint narrative:
I receive 4 phone calls daily from United Recovery Systems,  apparently about a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2020-10-09 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: WA

Complaint narrative:
There are currently numerous incorrect items on my credit report with accounts and inquiries that don't belong to me and are not related to anything done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: WA

Complaint narrative:
There are currently numerous incorrect items on my credit report with accounts and inquiries that don't belong to me and are not related to anything done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: AL

Complaint narrative:
I would like a discharged bankruptcy removed from my report. It had been over 7 years and it is affecting my ability to purchase a home.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Subject : Credit Limit Decrease without Proper Notification on Statement Date, Suspected illegal use of Covid Relief Data for CLD. 

Hi, I have been a Barclay Card Account holder for last 10+ years.

I have never made a late payment or went into collection with Barclays or any other financial institution. I have a clean credit history.

I do hold some revolving balances and have been paying down over the last year or so. I have payed down more than 35 % of my outstanding balance across all of my financial institutions. I carry around {$3700.00} balance on my Barclaycard which used to have a credit line of {$11000.00}. I did enroll into Barclay 's payment relief program during the Covid period, but continued to make payments.  The program ended in XXXX. 

I got an alert on my email saying that my usage is near my line on XX/XX/XXXX. I logged in to see, Barclays did a Credit Line decrease on my account on the Statement Date to {$3900.00}, without giving me proper notice period or sending me a secure message or Email. I did not get a chance to pay down my balance knowing this.

Since the CLD was done on statement date, Credit Bureaus have received report of 97 % utilization on my Barclay Card. This is causing  my score to go down and could further cause other issuer 's to lower my limit on my other cards. This is putting me into a lot of stress and financial difficulties. 
What Barclays did was 'Balance Chasing ' which was popular in the  XXXX time. I did not know this was still being done. 

In addition to this, I suspect Barclays could have illegally used the data on my enrollment in Covid relief to do this Credit Line Decrease. 

I reside in XXXX, near Barclays offices. I have tried to call customer service numbers multiple times, they could not get me to lodge a complaint with Executive Office. They would not also tell me the reason for CLD.

I would request CFPB to look into Barclays CLD practices. 
Please reach out to me in case any additional documentation is required. 

Thanks, 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 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
My contact phone is XXXX, and email is XXXX. 

I would like some assistance in obtaining a loan reinstatement quote. At the beginning of XX/XX/XXXX. I owed past due payment of {$18000.00}, currently owe {$1900.00} in attorney fees and {$320.00} in late fees. We were scheduling foreclosure mediation at which time I was prepared to pay all the charges.

Covid19 hit our country and changed the landscape. I had a cut back in hours, increased expenses and my wife was laid off. The Cares act was passed, it offered an opportunity for a forbearance so those effected could recover. The cares act specified that there were no additional late charges, and the payments under forbearance would be address in a specific way. It listed repayment options, but also listed in several locations that no lump sum
payments would be required when exiting forbearance. 

In XXXX, I felt I was approaching a time, that I could resume payments. I approached Wells Fargo about a reinstatement calculation and was provided a sum of {$34000.00}, which included the {$1900.00} in attorney fees. This figure included all months under the CARES ACT Forbearance.

This reinstatement included months currently in forbearance under the CARES Act. I was instructed that the entire amount was due, I inquired about the forbearance and was told by several people the entire mount was due, they would not address the forbearance  payments. My payments are currently in forbearance thru XX/XX/XXXX and can be up until XXXX XXXX if necessary. 

The company, Wells Fargo is demanding all payments, even the ones under forbearance be included in the amount to under a foreclosure reinstatement fee.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I SENT IN A DISPUTE LETTER ( TO LEXISNEXIS ) UNDER SECTION 609 TO REMOVE A FRAUDULENT Bankruptcy.

LEXISNEXIS FAILED TO RESPOOND TO ME DISPUTE LETTER WITHIN 45 DAYS.

Failing to respond to your written disputes within 40 days.

This is a direct federal violation of The FCRA LEGAL JURISDICTION : FCRA Section 611 Part ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: FL

Complaint narrative:
Florida Department of Revenue is reporting two closed accounts on my Transunion credit report, one closed account on my XXXX  credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.

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 2020-10-09 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:
Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my XXXX credit report and two closed accounts on my Experian credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund  from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX . I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me to here, I want to get my money back and scammer should not receive the money and keep  scamming people.

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 2020-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.

Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NH

Complaint narrative:
In a letter from LexisNexis, dated XX/XX/2020, the consumer reporting agency stated that after a reinvestigation of an alleged Bankruptcy, LexisNexis was unable to verify the accuracy of case number XXXX, and removed the record from my LexisNexis Risk View report. 

I recently requested a copy of my LexisNexis National Credit File and this same inaccurate and unverifiable account is reporting there. If LexisNexis was unable to verify this account then it must be removed for their records entirely.

Company response to consumer: Closed with explanation