vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: CA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are 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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
I do not have a signed contract not any contract with Enhanced Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this dent with Enhanced Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Sunday XX/XX/XXXX I deposited a company check in the amount of {$5400.00} from XXXX XXXX that was written to me for a job I did. Then on Wednesday XX/XX/XXXX called to check my available balance was told there was a hold on the check until XXXX XXXX.went to to the bank to see why there was a hold. The financial center manager told me that she would not help me. This is not the first time I've had problems with her. She was very unprofessional, disrespectable and rude. The last time I asked her for assistance she had one of her employees push me. I've been a customer there for 10 years. The bank I'm referring to is Bank of America XXXX, Ga.

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 2020-06-19 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TX

Complaint narrative:
I have attached my FTC report, driver license, police report & SSC. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit these credit bureaus ignoring peoples disputes, i see lawsuits against these credit bureaus because they are not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the XXXX I want to be treated right and not be treated like the people in the reports I read online. I already have XXXX XXXX and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: AES/PHEAA
State: AE

Complaint narrative:
I am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my XXXX  credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 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: EQUIFAX, INC.
State: AE

Complaint narrative:
I am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my Equifax credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.

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 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have never lived in XXXX, the city : '' Online Collection '' agency said that I received treatment. I have always lived in XXXX North Carolina. I have lived in the same address for the past 20 years. I have formally send the collection agency a demand to produce a written contract with my signature but all I received was copies of bills. These bill do not have anywhere that has my signature as required by legal presents. 
I have provided this company with my lease for the past 20 years as they demand but they claim they did not receive it. All my communication with the have been through certified mail, and I am able to track it and know when it was received. I have file two identity theft documents. One of them was the one they send directly to me. I call to make sure they receive it and they said, they did not but it was send by certified mail. I have all the documents and will mail it to you. 
I have other documents that I will mail because I do not have them scanned yet. This company have cost me money, they will say they want this document when I send them with certified mail they will say they did not receive it. This company has been paying games with my credit file and I will imagine they have been doing it to other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
can not transfer to my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.

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 2020-06-19 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/2020, my payment was received late. I explained to the credit bureau and Navy federal that my payment was late due to an error. Navy Federal didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: NJ

Complaint narrative:
On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.

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 2020-06-19 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: Synovus Bank
State: NJ

Complaint narrative:
On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: NJ

Complaint narrative:
Someone gained access to my PayPal account and make several unauthorized transactions ( {$1100.00}, {$110.00}, {$100.00}, {$86.00} ) to a XXXX XXXX and PayPal is trying to tell me that, a person who is not in my contacts, and whom Ive never had any interaction with before in my life, somehow fits my PayPal activity. Every other person that Ive sent him payments to via pay pal is in my contacts list. 

I disputed the transactions with PayPal but they have absolutely no consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2020- Sent communication to Equifax regarding inaccurate information/ violations on my credit report. 

XX/XX/2020- Sent communication to Equifax regarding inaccurate names, addressed, and social security number. 

XX/XX/2020- After waiting the 45 business days after initial dispute letter ( XX/XX/20 ) I sent a letter regarding their failure to respond. I included my original dispute. Requested that these accounts be deleted due to no verification. 

XX/XX/2020- Sent a factual dispute via certified mail regarding the inaccurately reporting accounts that have not been verified. I attached a screenshot requesting immediate deletion and my proof of identity. 

I have yet to receive any information regarding an investigation. When logged into the site it states that I have disputed the accounts and that is all. No verification. No Communication. No deletion. For three months. 

I have also completed multiple disputes for addresses online. I receive final reports of the dispute online saying that the addresses have been deleted and they are still visible on my credit report. Most of these reported addresses are not actual addresses at all. I have attempted to call Equifax with no results. I was placed on hold and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 my XXXX year old son using my computer ( unauthorized ) purchased 2 pair of sunglasses from a company pretending to be XXXX XXXX XXXX XXXX  ( XXXX ) based in the USA and they are not. They are called XXXX based outside the country. 
The transaction was made around XXXX this day using PayPal, my son notify me in the morning around XXXX of what he done, I immediately contacted PayPal to cancel this transaction and they refused to do so, I stated 2 valid reasons on their cancelation policy : One that my son was unauthorized and a minor ( not legally bound ) and second that the seller was obviously a fraud/scam. 

Also that morning I try numerous times to contact seller to cancel order with no luck. Seller did not reply, at this time XX/XX/2020 the purchased items had no tracking information, bank account was not drafted and I have try to inform PayPal of this with no luck, they quickly closed the dispute I place on resolution center without a valid response, and with disregards that this company is a fraud/scam. 

I believe that PayPal is in violation of the Federal guidelines on how to protect consumers from fraud, and that they even seem to be encouraging this type of behavior from fraudulent sellers. 

Seller sent a shipping tracking info XX/XX/2020 with a fake international tracking number, since XXXX do not recognize such tracking! Again another obvious red flag! 

Paypal transaction ID : XXXX for {$75.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
*Auto loans* _XXXX XXXX Reported : XX/XX/XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. ** HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
_XXXX  XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact 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 2020-06-19 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: Open Dealer Exchange, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from the XXXX Dealership located at XXXX XXXX XXXX, XXXX, MD XXXX. I authorized only this company to hard inquire about my credit report once. Without my consent, 700 CREDIT inquired about my credit report twice on the same day. I did not approve for two separate inquiries.

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 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( Transunion is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to TU Open date XX/XX/XXXX and According to XXXX  Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on TU, XXXX, and XXXX  ) TU has an opened date of XX/XX/XXXX and XXXX  and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 2 Times ) I was never late on my XXXX XXXX XXXX XXXX in XXXX or XX/XX/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