vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: GA

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Transunion continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter have not responded to date. 
" Transunion states that they have investigated the and verified this items and that the company that reported the information has certified to Transunion that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by XXXX XXXX XXXX and I have proof of this information. 
XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXXXXXX XXXXReference XXXX Was removed however if this was verified and accurate why was this removed and not the others.

XXXX XXXX XXXX XXXX XXXX/Reference XXXX Please remove it from my credit report. 
Attachments that were sent to Transunion as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I Was just scammed for {$1400.00} by an ad on the XXXXXXXX XXXX XXXXXXXX site on XXXX 
A local community group that has never been a problem for me. 
The date was XX/XX/2022 The person was identifing as XXXX XXXX, she is not the scammer but her identity was stolen by the scammers. The name of the person I was to send the XXXX to was a different name, however I thought it may be her maiden name being used for the transaction, it did not seem unusual as people often shorten or use maiden names on there XXXX  profile and there full names on banking transactions. 
The address was a XXXX, VA Address and the home at that address was just put up for rent so it seemed legit. 
This was a high level scam with many layers and the red flags only showed once I paid. 

I bought items and paid with XXXX via PNC mobile banking app. 
I have bought from this site before as these people are my neighbors. I was given an exact address to pick up from. 

Now I find out PNC Bank and XXXX may not refund money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus Transunion is reporting XXXX XXXX acct # XXXX XXXX is reporting XXXX  acct # XXXX This information is incorrect and should be deleted by the remaining bureaus

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 2022-03-08 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
They said our forbearance has been used up 18 months not continuous but we need to start paying mortgage, when I call to arrange & fix forbearance payments different XXXX bank reps keep giving me run around. For months saying its been escalated. We need to pay mortgage this XXXX already but everytime I call, they said we need a mgr to work payment plan for XXXX we owe but no one can help us. They keep saying call back. We dnt want to lose our home but it seems we cant get help either. They said dnt pay XXXX bec the past due needs to be discussed first. I will be delinquent this XXXX already. 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 2022-03-08 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: AL

Complaint narrative:
On XX/XX/2022, I purchased an airline ticket for my husband with XXXX XXXX. I chose PayPal as the payment option, and selected " use PayPal balance '' for the transaction, because I had {$2600.00} in my PayPal account at the time. The total cost of the purchase was {$2500.00} ( {$2500.00} for the ticket + {$41.00} for seat upgrade ). After the purchase, I checked my PayPal account and saw that my {$2600.00} balance was reduced by {$2500.00}, as expected. The following Monday, XX/XX/XXXX, I checked my XXXX credit card account ( which is linked to my PayPal account ) and saw that a {$2500.00} charge from XXXX posted to my credit card account. Upon reviewing my PayPal account, I found that the {$41.00} seat upgrade posted with the funding source as " PayPal balance '', but the airline ticket posted with the funding source as my XXXX card. However, my PayPal balance was still reduced by {$2500.00}. I spoke to PayPal, and they said that for some reason, there is still a temporary hold/pre-authorization on my PayPal funds XXXX though the transaction posted to a different account. I was told by PayPal that only the merchant could cancel a pending charge. I contacted XXXX XXXX and they told me there is nothing they can do because they have limited access to PayPal transactions and do not see a pending charge on their end. I then contacted PayPal again and was told they would escalate the situation and I would receive a call back, but as of today I have received no further communication and there is still over {$2500.00} tied up in this mistaken pending charge. The only concrete response I have received is that I have to wait 29 days for the pending charge to " fall off '' to get my Monday back, which is causing major financial hardship for my family. I spoke to 2 different people with PayPal customer service and they could both see the issue from their end. I have been unable to get XXXX XXXX and PayPal to communicate with each other directly to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter to experian about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd

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 2022-03-08 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:
I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH EXPERIAN ABOUT XXXX XXXX AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME XXXX  TO WHERE I ALMOST HAD TO SEEK XXXX XXXX. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I disputed an issues with capital one credit. Close cases should be removed from my credit report do to a third party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
{$4.00} was not provided to my account after a shipment was never sent to me. 

{$12.00} was charged to my account against the timely ATM record. 

The Bill Payment service provided a confirmation of my timely payment XX/XX/2022. I should not have fees charged against me for a timely payment because I used a bill payment service.

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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
XX/XX/2022 AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KS XXXX This company has been sending me collection notices in the amount of {$1400.00}. This collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does NOT have a contract with my signature. Here are two other companies as well, reporting to my credit report. 
XX/XX/2022 XXXX XXXX XXXX Amount {$640.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Amount {$370.00} XXXX XXXX XXXX XXXX MO XXXX I do NOT have a signed contract with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: AZ

Complaint narrative:
On XX/XX/22, I made an online purchase on the JC Penney website. The following day ( XX/XX/22 ), I noticed that JC Penney was using my former residential address as a shipping address. I contacted JC Penney customer service via phone and requested cancellation of order due to their reported inability to make corrections to this order ; the customer service representative agreed to cancel order and send confirmation email. 
On XX/XX/22, I received an email from JC Penney informing me that the order had been shipped to wrong address. 
Since that date I've disputed the charge, have had multiple exchanges with JC Penney customer service and credit card division. It should be noted that my earlier attempts to resolve this matter with the vendor have been unsuccessful. In fact, the vendor never adjusted my account in response to my dispute. The vendor 's responses have been limited to requesting return of items which I never received. 
To summarize, my online order was shipped to the wrong address despite my attempt to inform the vendor within 24 hours of the original purchase. 

See attached for further information regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit repor

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 2022-03-08 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: TX

Complaint narrative:
I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus XXXX is reporting XXXX XXXX acct # XXXX Equifax is reporting XXXX acct # XXXX This information is incorrect and should be deleted by the remaining bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The CAPITAL ONE failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix this account completely from my Credit Reports : CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT CITI BANK AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. CITI BANK AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.

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 2022-03-08 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT XXXX XXXX AND SUNTRUST BANK ( NOW TRUIST ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND TRUIST HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT TRUIST ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.

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 2022-03-08 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter to Experian in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.

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 2022-03-08 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2022-03-08 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:
XXXX XXXX has an account on my credit report that is fraud, I am now suing XXXX for a data breach that cause my information to be exposed and I have accounts on my credit reports that are showing up please delete this account as I have hired an attorney for legal assistance for the fraud and the data breach my information has ended up on the dark web and these companies has used it as fraud now Im disputing this information XXXX XXXX, I have filed a ftc identity theft report about this company, I want this off my credit report, identity theft report is the same thing as a police report and I have turn that company over to the attorney generals office in 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 non-monetary relief
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter to Transunion because an account that i paid for with the original creditor was sent to collection in false. I am highly upset because I am buying a house in 3 months and I need this rectified asap!!!!! It has been more than 30 days and I still have not received a 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK

Complaint narrative:
My East West Bank account can not view the monthly statement, and the customer service does not cooperate to pull this part of the information

Company response to consumer: Closed with explanation