vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$1000.00}. 

Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt. 

Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There Or numerous inquiries that have been posted to my account several in the same day that I did not authorize

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 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
This is a prepaid card. Square has an obligation to follow state, federal, and visa/mastercard rules and not stall for 10 days to process a disputed transaction. 

Further, the same restaurant merchant where the disputed transaction has been initiated has a duplicate pending transaction which has removed funds from the account for 8 days and still counting as of this filing : XX/XX/XXXXXX/XX/XXXX thoughXX/XX/XXXXXX/XX/XXXX. 

Note : The support representative uses more abusive stall tactics by ask for an email address, when there is already a dedicated secure square email on file : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I submitted a complaint to which the company brushed me off - see below. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX With my complain, I submitted ALL THE PROOF, yet the company says in their response SUBMIT TGE PROOF. I have submitted the proof WITH my complaint and you can see it all attached TO my complaint. Delete this falsely reported medical debt immediately because I submitted all the proof needed. 

Here was my complaint which remains unresolved by this rude, unprofessional, incompetent agency. 


Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In XXXX, I worked at XXXX but was let go as of XX/XX/XXXX, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/XXXX. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/XXXX. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XX/XX/XXXXXXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
Back in 2012, I filed for XXXX and a car loan was included in this XXXX. XXXX XXXX recently served my employer for garnishment on XX/XX/XXXX, this is a 9-year-old debt that overpasses the statute of limitations in my state. Nebraska, the statute of limitations 5 years from the last payment made. This means that a creditor or debt collector may not sue you for debt after five years have passed. If the agreement was verbal, then that number is reduced to 4 years in the state of Nebraska. I have been harassed by this creditor in the last 6 months calling me at work calling on weekends portraying they are laws enforcement. I was served a summons for XXXX this debt is 9 years old.

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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I requested that my mortgage held with LoanCare be removed from the COVID-19 Forbearance program. All required documents had been sent in then I confirmed that had been received. I was told the process should take 30 days to complete. I followed up on XX/XX/XXXX and was told they have no update and it was not even worked on yet. called again end of XXXX requested they open a case to investigate what's taking so long and call back in 10 days. Called at the start of XX/XX/XXXX and was told the same thing. The Representative said, " my file was being escalated via his supervisor '' would receive a call back in 4-5 biz days. No call no update. Called again on XX/XX/XXXX and XX/XX/XXXX again on XX/XX/XXXX told to call back in two weeks for an update. Finally, on XX/XX/XXXX I receive a packing in the mail saying my Forbearance request was processed and completed. Four and a half months later a process that I was told should take 30 days was completed. During those 4.5 months, Loancare continued to report my loan late because it was late at the start of the forbearance program. Those 4.5 months should never have happened if they processed my request in a timely fashion as promised by LoanCare. I find it unreasonable as a mortgage lender to operate this way and impact customers in a negative way further hurting my credit report when i no longer needed the assistance program. 
I have already contacted them directly and via the XXXX Their response on both occasions was they reported my loan correctly to the credit aggency. Yes, that statement is correct ONLY because they took 4+ months to complete a request I was told would take 30 days. If this was handled properly my loan should have been brought current in XXXX and thus XXXX, XXXX and XXXX would have then reported my loan as current and not late. 
I would like transcripts sent to me as soon as possible for the calls to LoanCare by me Starting XX/XX/XXXX to document Loancare 's actions and mishandling of my loan. Th This appears to be a violation of LoanCares duty under the CARES act. 

Loancare XXXX XXXX XXXX, Virginia XXXX, VA XXXX https : //www.loancareservicing.com/

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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AR

Complaint narrative:
My loan was purchased by another lender and the servicer for them is Selene Finance. I was in the middle of a modification due to covid with previous servicers and completed it on time but every since Selene got the loan in XX/XX/2020 they keep saying my modification is in underwriting and they cant take my pmnts. I have tried twice a week since XX/XX/2020 to call and speak with supervisors and make them take a pmnt and they say they have to have someone override their system to take a pmnt and no one is available to override. I can not make a pmnt online or through the automated system. I have not received foreclosure papers but I keep getting monthly statements saying I'm 9 months behind. Several reps through my weekly calls tell me NOT to make a pmnt because it will mess things up. They say I have unapplied money. The reps and supervisors also see the notes and say that the company is being weird with my mortgage and they don't understand and do not know what to do other than send it to their manager and when I call again the last note was sent to manager and nothing is ever done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX Transunion dropped my score by XXXX points for a remark on my mortgage account that has been there since XX/XX/XXXX. That remark has never impacted my score. I filed a dispute and Transunion increased my score by the same XXXX points on XX/XX/XXXX. On XX/XX/XXXX Transunion again dropped my score by the same XXXX points, giving the same reason for the drop. I have a XXXX XXXX on time payment record and that was the case for the last XXXX XXXX no collections, no public records, basically no negatives whatsoever, so there is no legitimate reason for the drop on XX/XX/XXXX, which is why they increased my score by that same XXXX points on XX/XX/XXXX. Transunion can not explain the drop on XX/XX/XXXX which is why they restored the points on XX/XX/XXXX, but did not restore the XXXX points when they dropped it on XX/XX/XXXX. They can't explain it and asked me to wait XXXX hours for it to go back up. It has been a week and no one at Transunion including supervisors knows why and keep giving me talking points that I already know. I am locking in a mortgage rate soon, and I can't do this every month and their response that it is the system makes no sense because the information on my credit report is the same for the XXXX XXXX before the drop and the month after the drop.

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 2021-11-17 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/XXXX, XXXX {$3900.00} deposit was paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Uber credit card. This payment was a deposit for a vacation to XXXX XXXX that was scheduled to take place in XX/XX/XXXX. 

XX/XX/XXXX, XXXX Our flight to XXXX XXXX XXXX cancelled by the airline. XXXX XXXX borders were closed to international travelers due to the XXXX pandemic. The travel agent XXXX XXXX XXXX XXXX XXXX ) offered to reschedule our trip to XX/XX/XXXX and we accepted. 

XX/XX/XXXX, XXXX I requested to cancel our postponed trip and receive a refund since the original trip was cancelled due to the XXXX pandemic. The travel agent replied that my deposit would be forfeited if I cancelled our postponed trip. They were unwilling to issue a refund. 

XXXX XXXX I filed a dispute with XXXX for the transaction. Case number XXXX XX/XX/XXXX, XXXX I received a letter from XXXX XXXX they were unable to obtain credit on my behalf because I needed to notify them of the billing dispute within XXXX statement cycles after the charge appeared. This would have been impossible, as the charge took place on XX/XX/XXXX and the trip wasnt cancelled until XX/XX/XXXX ( XXXX XXXX XXXX XXXX I replied to this letter stating that what they were asking was impossible, and they replied stating that they could not do anything else to help. 

XX/XX/XXXX, XXXX I contacted the owner XXXX XXXX XXXX XXXX XXXX and they agreed to refund me for a portion of my deposit ( {$1300.00} ), which was for the lodging accommodations for our trip. They said they were unable to refund us for the domestic flights that were supposed to take place during our trip because the airlines were not refunding them. Refund was received on 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
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, Transunion or 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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have XXXX USD in my balance and I can't either withdraw it either transfer it, it's been now more than 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
This is a bill from XXXX, from XXXX XXXX XXXX. They set the account up with my SSN and my daughters name. We tried numerous times to correct and they never did. We switched users and they say we owe them. Not sure at this point what it is for. I tried numerous times to straighten this out. They turned the account over to XXXX XXXX. We got numerous bills from them saying they would offer a settlement for x amount. I disputed this on my credit report because this is not my name on the bill, but on my credit report because of my SSN. The dispute came back in their favor. I got sick of fighting with them so I took a bill they had sent and paid the amount it showed. Sent that bill, my check with paid in full on it and mailed it to them. They cashed the check. I then got another bill from them. I called regarding it and they stated the amount I paid was on a expired offer. However they cashed the check. I feel that they have been paid and I actually paid a bill that is fraudulent beings it is not my name on the bill but they have my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now XXXX days  and I have not received a repsonse. I did my research and I am for sure that they have XXXX days  to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I submitted a claim last year in reference to my Santander loan. But wasnt given any solid information. Santander consumer is known for charging unnecessary fees and preying on their consumers with outrages APRs. I had my car for over 5 years and the balance never changed from {$17000.00} ( XX/XX/XXXX ) until XX/XX/XXXX and it finally moved to {$16000.00}. They are trying to show that I was late XXXX times, when I WASNT. I do not owe over {$15000.00} after having the car for YEARS!

Company response to consumer: Closed with explanation