vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 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: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.

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 2018-10-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.

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 2018-10-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
I traded my XXXX XXXX XXXX into XXXX XXXX in XXXX Texas 7 months ago for a XXXX XXXX XXXX XXXX the dealership paid my trade in off it was financed through Skopos Financial I have called XXXX XXXX many times to please update my credit report as paid in full but they have yet to update, still shows open and that I owe XXXX and change As well as my new XXXX XXXX!!! please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with 3 bureaus but still shows wrong 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 2018-10-17 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong 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 2018-10-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: FL

Complaint narrative:
My PIN was the same as my gate code at my home, which is how someone figured it out. Someone came into my house while I wasnt home and stole my computers, wallet, and phone, which was how they were able to sign in and out of my account. My computer and phone have since been recovered but not my wallet. 
XXXX Transactions : -XX/XX/2018 - Payment to XXXX XXXX MA, XXXX XXXX XXXX, XXXX , FL , US - $  XXXX -XX/XX/2018 - Authorization to XXXX XXXX, XXXX XXXX, XXXX LA, FL , US - $ XXXX -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$280.00} -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$300.00} -XX/XX/2018- Debit card ATM withdrawal {$300.00} __________________________________________________________________ Paypal denied  my claim for a refund to due the following : Once the funds were in the account, the PayPal Debit MasterCard and the Personal Identification Number ( PIN ) were used to access the funds. This indicates the card user had knowledge of funds entering the account, as well as personal information needed to access the money. Finally, there appears to be consistent login activity in the account while the disputed activity took place. Despite this consistent account activity, PayPal was not notified of potential compromised card use until the present. This indicates the account holder had knowledge of the spending activity on the PayPal Debit MasterCard and authorized its use. Based on the reasons stated above, we have concluded the disputed activity to be valid. As such, we have decided to close our investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-17 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: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-17 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: IL

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking 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 2018-10-17 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 have disputed the late payments on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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 have disputed this Charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX has been calling my home to collect a debt owed by my XXXX year old daughter. They are now calling my cell phone number which I use for my business. This has been going on for almost a year. I have told them numerous times my daughter has not lived with us for years, to stop calling us and they continue to harass us. I block their number every time they call but they call from several different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On XX/XX/18 I got an alert that my account was in the negative. Every so often when this happens, I run to the bank and deposit the money and I'm fine. This time, I went to the bank and still got an overdraft fee after the money was in the account. I spoke with a rep on the morning of XX/XX/18 and she stated that there is nothing she can do and that I need to pay the XXXX that I was over by. I went to the bank shortly after that and deposited XXXX plus I did a transfer of like XXXX. I did this because I knew that I was expecting 2 other items to charge either the same day or later. Once I made the deposit, my account was in the positive. I checked my account later on XX/XX/18 in the early morning hours and noticed that I am being charged another XXXX in overdraft fees. I called on XX/XX/18 at around XXXX hours and spoke with a rep by the name XXXX, who stated that there is nothing she can do and I have to pay the fees. I asked to speak with a supervisor and she placed me on a 15 minute hold, before a supervisor by the name XXXX answered the phone. XXXX stated that the charge posted to my account the day before and that is why I was being charged the fee. I asked how can the charges post the day before and I not see it when I went to the bank or spoke with the rep the day before. She said there was no way for me to see the charge and that I still have to pay the fee. I told them I wanted to close my account because I am being robbed of my money and she stated that I can't close the account until I pay the fees. I told her that I would be filing a complaint and contacting my attorney and that after everything is said and done I will be closing my accounts. I explained to them that I went thru a similar situation about 2 years ago with them that ended up costing me over XXXX in overdraft fees that I was stuck paying.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by commonwealth. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as commonwealth and the previous debts listed above that the credit reporting agencies have not bothered to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX  and I never use the account never once charged it. I ended up very sick emitted to the hospital stayed there for 6 weeks and during that time somebody had gotten hold of my credit card that was too XXXX and they charged it all the way to the {$300.00} limit. Every so often I check my credit report on a regular basis throughout the year and I came across the XXXX account listed as derogatory and had multiple months without payments made. if someone would review my credit file I believe it's apparent I was unaware of the charges, I have been excellent with paying bills on time and to keep my available credit around 50 % .so after I found the error on my file I called XXXX and ask them what was going on. I thought maybe it was an error on their end but it wasn't it was somebody who had fraudulently charged my account so I disputed it with them it took a while but eventually they did actually remove the whole account in my favor after I provided enough relevant information that shows that I I did not authorize any transactions to do with that and I will provide that dispute letter that resulted in the deletion as of XXXX that out of the way, my current problem is that while I was fighting XXXX to correct the item, it evidently went into collections and sold to a debt collection agency known as XXXX XXXX . I  thought it would be easy to remove the XXXX account being I do not owe them anything. I have called XXXX, disputed them twice proving to them with documents showing im not in debt to either company. I've felt more than once disrespected when trying to reason with a representative .instead of showing an empathy type of demeanor towards me for having all this stuff to deal with that I don't deserve, I get an offer for them to remove the collection of my file IF I pay only XXXX dollars instead of XXXX. Long story short im either not understanding something or XXXX XXXX is holding this hard credit hit over my head until they get paid something XXXX dollars would be well worth it to be done with this nightmare and I have the means to pay that but it's the principle of how im treated according to my actions. I refuse to pay for something a criminal stole from me.

Company response to consumer: Closed with non-monetary relief