vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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:
XX/XX/XXXX Hello, I am enrolled in the XXXX XXXX XXXX in XXXX, PA. When my financial counselor pulled my credit report on XX/XX/XXXX, we saw that accounts I had paid on and off, were not updated since XXXX, XXXX. 

I have worked very hard to pay down my debt and if I were late that information would be placed on my credit report immediately! This is an unjust double-standard being practiced by Experian credit reporting agency. What penalties do they suffer for not updating my information since XXXX, XXXX? Their lack of action has led to my inability to apply for a first-time buyers program. 

I also contacted the credit card companies who all confirmed that they had reported my information every month to the credit reporting agencies. They also said that Experian is not updating the customers accounts monthly as they should. 

I want Experian and all other credit reporting agencies to update my accounts and, in the future, update every one of my accounts that they are monitoring every month! 

Please see the accounts below that are highlighted in blue. 

Thank you, Consumer Sun, XX/XX/XXXX XXXX XXXX  ****** XXXX XXXXXXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$62.00} CCCCCCCCCCCC ( The last payment of {$19.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX ( XXXX ) XXXX XXXX {$27.00} XXXX ( The last payment of {$88.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2300.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$54.00} CCCCCCCCCCCC ***** XXXX  XXXX $ XXXX $ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$31.00} CCCCCCCCCCCC ( The last payment of {$130.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$400.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$35.00} CCCCCCCCCCCC ( The last payment of {$60.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$250.00} CCCCCCCCCCCC ( balance not updated ) ***** XXXX XXXX XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$120.00} CCCCCCCCCCCC ( balance not updated ) Thank you, 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 2020-07-12 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-07-12 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax makes it extremely difficult to place or temporarily lift a security freeze due their problematic verification process. This is ironic since they created the need for security freezes in the first place. The questions they ask you to answer correctly in order to verify your identity are incorrect or from such old data that each time I have to escalate the call to verify myself. Their online and phone system for this process always fails and there is no expedient way to get help. I have no trouble with XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I purchased a training course on XX/XX/XXXX from XXXX XXXX XXXX using my PayPal Mastercard. 
I requested a refund and initiated a dispute with PayPal which was honored and recorded on XXXX as well as with PaPal Mastercard.. This should have close the case and would not have any more issues. 
I was charged again for the same amount by the same merchant on XX/XX/XXXX. 
I continued to report this problem with PayPal  and I was refunded on XX/XX/XXXX. 
Many months passed by and on XX/XX/XXXX I found my PayPal money wallet with a large amount and called and they refer me to PayPal Mastercard. 
I looked up the activities of the transactions on their Activity Log and suddenly I see that the negative amount double. 
I called PayPal Mastercard and informed them about it and they will tell me that it was a clerical error in PayPal 's side and it was not them. They gave me instructions to send them a fax and told me that lately PayPal is having these issues or that perhaps that merchant sent a rebuttal. 
I try to call PayPal but was not successful and when I review PayPal 's credit card statements I did find an extra credit of the same amount credited to me on XX/XX/XXXX noted as Adjustment-Purchases. 
I contacted the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and he agreed to send me a letter to confirmed that their were only four transactions that zero out and there were no other transactions between us. 
I try to call them both and was not successful. Today, XX/XX/XXXX XXXX Mountain Standard time I called again to inquire why they added an additional amount and the agent hung up after she said something that was not audible.

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
Concerning BBVA XXXX XXXX  Visa, I have been trying to close my account, and have my credit amount check mailed to me for app. 3 months. 
The website does not offer an email to conduct business. 
The service department phone number has a wait time of over an hour. Waiting that long, presents a high probability that a person will miss when the agent is ready. 
I have sent a request via mail, but have received no response. 
Their chat line says they are not authorized to conduct that level of business, and suggests calling. 
BBVA.com Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
LVNV Funding LLC has been listed on my credit report as a collection in the amount of {$2600.00}. LVNV FUNDING LLC is reporting a collection account that does not belong to me. Nor do I have a binding contract with LVNV FUNDING LLC to pay this " debt. '' There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if LVNV FUNDING LLC is unable to provide me a copy of verifiable proof, they must delete the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Southern Auto Finance Co
State: SC

Complaint narrative:
I have a charge off that keeps reporting different amounts to each of the credit companies the account name if safco. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to link my bank account to a third party investment app ( XXXX  XXXX and keep getting an error message that " PNC has recently made changes that prevent me from linking my accounts ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I have already contacted the company regarding the claim. I do not owe. The debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-12 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the  sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: NY

Complaint narrative:
I disputed my bankruptcy on my credit report with all three credit agencies XXXX  and XXXX  took it off my reports Experian wont

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 2020-07-12 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: SC

Complaint narrative:
I have a charge off that keeps reporting different amounts to each of the credit companies the account name if XXXX. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TX

Complaint narrative:
On XX/XX/2020, Experian recieved a non response letter from me. Prior to this letter, I sent a letter demanding that they provide me with proof of documentation with my signature on it for the XXXX accounts listed. It is XX/XX/2020, 39 days later, and I have yet to receive a response letter. I sent all my letters to them via certified mail. I also have copies of the letters.

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 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am attempting to complete the application process for the The COVID-19 Relief Pennsylvania Statewide Small Business Assistance program. I am following the guidelines but can not complete the requested link with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

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