vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 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: LA

Complaint narrative:
I disputed a bankruptcy account on my credit report with Experian and XXXX XXXX XXXX XXXX. Both Experian and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor Experian is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified 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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am in the process of reducing my debt. A major focus was this particular credit card. I transferred my entire cash flow to make a monthly payment expecting to have access to my credit limit. Within a few days of this payment while away from home my limit on this card was reduced effectively stranding me away from home. I made 3 calls to the card company and they refused to explain why this happened and that a letter has been sent to me explaining why. Ive received no assistance from them in regards to an explanation. Im currently stranded and struggling. I will be okay but I feel as though I have had a large amount of cash taken from me. I would never have made that large a payment at this time if I had known I would not have have had access to it.

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 2021-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
National credit audit corporation XXXX XXXX Tx XXXX Has placed a collection on my credit report for the sum of {$2900.00} this debt is not mine and this is an error placed on My credit report I have disputed this account with all three major credit bureaus XXXX and XXXX have removed it but it remain on my XXXX credit report. I have also reached out to national credit audit corporation with two letters explaining this that is not mine they continue to send me letters with a computer signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: LA

Complaint narrative:
I sent documents to verify my accounts and itt been over two months and my credit file hasnt been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: LA

Complaint narrative:
I sent documents to verify my accounts and itt been over two months and my credit file hasnt been updated

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Hi, LVNV Funding LLS needs to take this off my credit report. My medical bills are covered under a XXXX XXXX  XXXX. I got 100 % coverage and they are refusing to remove it. With that being said, that bill was paid and it should have never been reported to the cred reporting agency 's in the first place. I was granted full coverage from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
national credit systems have billed two accounts to my credit XXXX XXXX XXXX XXXX of {$3900.00} and XXXX  XXXX of {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I've contacted USAA and XXXX XXXX on several occasions on why I am not an authorized user on my wife 's USAA credit card account for XXXX dollars. The account is not reporting to XXXX XXXX, USAA said to me that they have been reporting to XXXX XXXX, but XXXX XXXX is not making any changes, XXXX XXXX play 's the blame game and said it's USAA fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX  and also XXXX  with no problems at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company put two accounts on my credit XXXX XXXX of {$110.00} and XXXX of {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  S on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
Hi, The following companies need to be removed off of my credit reposts. I have been working with Lexington law firm and the refusal to have these items removed has caused financial distress to me. 

XXXX XXXX XXXX XXXX  has been paid off and the late fees and payments have been reported incorrectly. 

XXXX XXXX XXXX- That was paid off and should be removed from my credit report. 

XXXX  XXXX XXXX  - Did my loan over and the past loan was incorrect. ANY DATA FEROM TEHN FIRTS LOAN SHOUDL BE REMOVED BECASUE I WAS OVERCHARGED AND THAT AMOUINT WA INCORRECT. THAT IS WHY MY LOAN WAS DONE OVER AGIAN. 

XXXX XXXX XXXX  This loan has ben paid OFF We Bank and Getting reported false information and did not follow their payment coverage for loss of job and wages. I did not get unemployment and they continued to make it hard for me to utilize my payment coverage for being unemployed. There should not be a charge off or a collection on my account. They falsified information and my balances should be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: DISCOVER BANK
State: NY

Complaint narrative:
I was XXXX  from XXXX untill XXXX XXXX this account was not activated or used by me. I need disocver to stop reporting this account. this account was inactive since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I have been trying to open this account with Venmo for a couple of months I have contacted them. 
Someone stole my identity and is using it to have acct. 
I tried to get them to close it down. 
Or remove my info because I want to open one but can't because someone else is using my phone number. 

Nothing was done after 2 hour 's on the phone. 
2 months of trying to get them to fix the problem and it still isnt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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 Sent in a Dispute Letter to Equifax. However, I still haven't received a Response from my Initial Dispute. 

They've Received my Response on " XX/XX/2021 '' I've sent in Notifications, that has been CERTIFIED and TRACKED. EQUIFAX has TAKEN WELL OVER THIRTY ( 30 ) DAYS TO INVESTIGATE MY DISPUTE. 

EQUIFAX ARE IN CLEAR VIOLATION HERE. 

Please have them REMOVE THESE ACCOUNTS NOW, As it's in CLEAR DIRECT VIOLATION OF MY CREDIT CONSUMER LAWS & RIGHTS. 

I WILL TAKE LEGAL ACTION ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I requested hsbc to close my account. now i would like to dispute some item on it. every time i'm calling, they said a specialist will call me, no one ever call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
as of XX/XX/2021 southwest credit systems has been reporting a debt in the amount of {$370.00} on all three of my credit reports. i was never notified via mail of this debt nor given the fair opportunity to dispute the validity of this debt within the first 30 days of notice if one had been properly given to me. this is a violation of the fcra section 609 and i am demanding that it is DELETED and that the creditor cease all collection activity for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I have been a dedicated customer to XXXX for over a decade. Since the Pandemic hit, my employment opportunities were fractured and I was no longer able to pay my mobile phone bills, so I accrued a debt. They then had sent me to collections. After some time has passed and I was not able to still pay my bill, the first collection agency offered me 40 % off my total debt of {$1300.00} if I settled within a certain frame which I was not able to meet. My account was then sent to another collection agency. At this time I secured a new job and I contacted the second agency and asked them if that offer was still valid. The assured me, 'yes ', so I then paid the 40 % off which was {$830.00}. I asked the collection agent if this now closes my account with XXXX and if the debt issue has been completely resolved. He said, " Yes. '' I also received a confirmation email that states RPM ( collection co ) and XXXX have agreed to waive the {$550.00} from my total debt after my payment. When I had the opportunity to open another mobile account in the week of XX/XX/18, I have to come to find that my phone was still locked with XXXX and that I had a remaining unpaid balance of {$550.00}. I called the collection agency and they then informed me, " They don't care what the letter ( of confirmation ) says. That payment was only to get you out of collections. '' Ultimately, it is my perception they lied to me and violated the Fair Debt Practices 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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
i have an account at PayPal NAME- XXXX XXXX . Email id- XXXX. 

my only mistake was I was a new user of paypal and was not familiar with terms and conditions, I missed to give my some id cards when they have sent A Email. 
I received my first order on etsy on XXXX XXXX of three painting and i have updated the Tracking detail on Paypal, but after that they locked my account permanently, and freeze my fund {$180.00} for 180 days. 
I sent many emails and requested them I am ready to give whatever ID they need from me, it was just that I didn't know about this before. but they are not helping me or not giving my money, they said that At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement and therefore can no longer offer you PayPal services. 

when my client is so happy with my painting, attaching her feedback with this complain, why they are holding my payment. i am a poor XXXX spent money on painting, sending couriers, paid fees of XXXX but now I AM IN BIG TROUBLE NOW, this is first time when i sold my painting in international market and this unfortunate thing happened with me, i beg for your help. please please please help to get my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$350.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld systems added direct energy to my credit of {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
XXXX to file an official complaint against the following Debt collector SPS XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX n XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if XXXX XXXX n XXXX XXXX XXXX already released my mortgage debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Collection Consultants of California
State: CA

Complaint narrative:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants of California for an amount of {$460.00} now reporting {$550.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for this account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, Therefore, is twofold per validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
the company NCA contacted me about XXXX XXXX XXXX for {$240.00} and XXXX XXXX {$240.00} and said that I was ignorant and they were going to sue me for failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Tried to sell my bitcoins ( ~ {$11000.00} ) via the mobile app and site, on XX/XX/18 Both return an error saying there is some problem but didn't say what. 

Tried reaching out to support to get it fixed, no real response, got put into a " queue ''

Company response to consumer: Closed with non-monetary relief