vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: MA

Complaint narrative:
I paid off two creditors in XXXX and XX/XX/2021 but my score never moves from XXXX. Is anyone at the 3 bureaus doing anything these Pandemic days? 

On XX/XX/2021, my request for a consolidation of my U.S. Dept of Education loans ( 12 loans ) was approved. I know I need to wait until XX/XX/2021 to see any changes, but I am doubting this will change anything. My score has remained at XXXX for many, may months in spite of positive activity. 

The credit report bureaus should note this as a positive event in XXXX, 2021. If they do not, please investigate. My credit score remains at XXXX for a number of months now. I am wondering if staff at these bureaus are actually doing their job updating anything.

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 2021-09-23 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: MA

Complaint narrative:
I paid off two creditors in XXXX and XX/XX/2021 but my score never moves from XXXX. Is anyone at the 3 bureaus doing anything these Pandemic days? 

On XX/XX/2021, my request for a consolidation of my U.S. Dept of Education loans ( 12 loans ) was approved. I know I need to wait until XX/XX/2021 to see any changes, but I am doubting this will change anything. My score has remained at XXXX for many, may months in spite of positive activity. 

The credit report bureaus should note this as a positive event in XXXX, 2021. If they do not, please investigate. My credit score remains at XXXX for a number of months now. I am wondering if staff at these bureaus are actually doing their job updating anything.

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 2021-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I was denied my XXXX XXXX final year from MyFedLoan numerous times before they finally approved it. Now I am trying to get the XXXX Loan Forgiveness for completing 5 years of service. MyFedLoan is telling me I do not have five complete years of XXXX  because my first year started in XXXX and they are looking at the current school year calendar that stats in XXXX. They are saying the first year only counts as half a year. My district counted it as a full year and has signed off on the paper work. No where in the rules and definitions for MyFedLoan does it contain a set of dates or a percentage of the school year that makes this time ineligible. I had to call and talk to them to find this information out. I am just not sure what the point of the authorizing signature is on the form if they are not going to go by their word or follow up with them. I am very frustrated with this company and know that if I wait until the end of this semester and resubmit the paper work ( which is the guidance they have given ), that there is going to be another excuse. I also no they are losing their contract so it will be someone new that may make things more difficult as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute with XXXX 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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I never asked the bank to change my address or make changes to my account, yet someone named XXXX keeps calling me from a Regions Bank location that is unknown and keeps asking for copies of bills.

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 2021-09-23 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: PA

Complaint narrative:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear credit bureau, I recently reviewed my credit report and notice the following errors that are negatively affecting my good character and reputation. 

US DEPT OF ED XXXX Please delete this account from my credit report because it is reporting inaccurately in multiple categories. Which is a violation of my consumer right and the fair credit reporting act. 
- open dates - Last reported date - Last active - Latest payment ; Please update me with a new report once the investigation. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I filed a dispute with XXXX 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 2021-09-23 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: NJ

Complaint narrative:
I noticed a few accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
In XXXX of this year my paypal account was suspended. I had been using it as a payment platform for selling ammunition. I was not aware ammunition was a violation of their policy until they suspended my account. When they suspended the account i tried to argue that i was not aware but they did not reverse the decision. 

At the time of the account being suspended i had XXXX in the account. I was told they would hold that money for 6 months in case there were claims by anyone against me. 

I went to access the money at the 6 month mark and learned PayPal simply confiscated the money from my account to theirs ( on XX/XX/XXXX ) with no explanation or justification for damages provided to me. 

it is my understanding it they are to take my money they have to provide explanation of actual damages incurred to justify the seizure. I was not provided that. Nor was i provided any opportunity to potentially argue against such claims to my money. They simply took it. 

This company ( like XXXX XXXX whom i work for ) has strict regulations as to how and when they can actually take money from a client. And processes to follow to do so. They had no cause and did not follow any process ; they simply took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE & WEINER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
Company started it was fraudulent and send transunion letter and they have failed to remove from 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 2021-09-23 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: IN

Complaint narrative:
I received an email today that my Venmo transfer was returned and that I had to use another source for paymnet to myself to a bank account. I added another account, then I was told they can not get my money back for me if I dont add the old account not working. 

I tried to add it back, its being rejected by Venmo! 

They said they can not return my money to me and are not liable. How do you provide a service with NO liabilty??!!! 

I want my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I sent a letter to National Credit Systems demanding that they validate an alleged debt that they placed on my credit reports. I received a letter back from them dated XX/XX/2021 with documents that did not validate the alleged debt and proving that they own the debt. On XX/XX/2021, I sent them a follow up letter to provide me with said documents, yet they still did not provide them to me. 

Account number : XXXX*** Amount : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.

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 2021-09-23 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: CA

Complaint narrative:
I filed a dispute with Equifax in regards to the incorrect items on my credit report, it has been well over 30 days without receiving any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello im writing you you because recently an account of mine was closed and I always paid on time I was finally happy where my credit was but I was deducted 42 points they closed my account because apparently I was 30 days late in XXXX but the money was in my account and it kept returning the payment I just want my credit to be where it was I will do anything please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After responding to an ad online for Chase online banking I opened an account with Chase bank around the first part of XXXX made my first deposit XX/XX/XXXX. I used that account for several transactions over the next 4 or 5 days and Chase put a hold on my account stating fraudulent activity on the account. I inquired about the hold and was told I needed to come into the branch to verify my online account. I live 4 hours away from the closest Chase, and did not get notified that I would have to go into a branch at some point when I opened my online account from my location 4 hours away. I asked them to close my account and they stated that they would have a check to the address on file in 3 to 5 business days I waited about 10 days called them back to find out no check has been sent and they can not send one without me going into the branch to verify my identity Which I did not have to do to make my deposits or open my account. I called back again and they will not release my funds. I am XXXX and need these funds for medical treatment and can not make it into a branch due to the distance of this online account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I didnt no apply for XXXX bank account and i have the dispute open with chexsystems and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my chexsystems report .... the dispute in question is XXXX bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud

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 2021-09-23 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I WAS VICTIM OF ID THEFT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I didnt no apply for frost bank account and i have the dispute open with XXXX  and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my XXXX report .... the dispute in question is frost bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: FL

Complaint narrative:
remove the different names on my credit report : EXPERIAN said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX. XXXX XXXX XXXX AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX  3.XXXX XXXX XXXX XXXXXXXX : DO NOT KNOW THIS XXXX 4XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX XXXX XXXX NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.EXPERIAN needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in XXXX paid 3 years then notified by the attorney generals office that I was a victim

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 2021-09-23 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: SC

Complaint narrative:
On, XX/XX/2021 I submitted letters to the credit Bureau on some things that was present on my credit file that was incorrect. Those accounts are paid in full. I asked they be removed from my credit file. They have a XXXX balance. I'm getting denial based on their inaccurate reporting.

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 2021-09-23 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: SC

Complaint narrative:
On, XX/XX/2021 I submitted letters to the credit Bureau on some things that was present on my credit file that was incorrect. Those accounts are paid in full. I asked they be removed from my credit file. They have a XXXX balance. I'm getting denial based on their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello this is my third Identity theft report that I am sending in about the student loans. They do not belong to me. I have not received letters back or emails stating that the debt is mine, so it is fraudulent debt. Section 611 15 U.S.C 1681i ( 5 ) ( B ) ( i ) states that I have the right of consumer protection. A notice of completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information and the telephone number of such furnisher, if reason available.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HILLCREST AND DAVIDSON would verify the debt. So I took it upon myself to ask HILLCREST AND DAVIDSON for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation