vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Account is not valid. No balance owed. After 7 years, XXXX/IC Systems continues to report account in the amount of {$1200.00} on credit report in violation of the Fair Debt Collection 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 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid my car off XX/XX/2021 I paid the principal balance to XXXX I close on a house in XX/XX/2021 and the principal balance had to be at a XXXX for FHA to even approve and find the loan JP Morgan Chase auto finance because they lied and said they would negotiate the late fees and did not want to do it at the end I was waiting until they were ready to negotiate the fees as they originally stated. 
In the month of XXXX all of a sudden it showed on my XXXX over {$110.00} principal balance which I had already paid off I called to find out why they said this is a maturity fee one time fee I paid it and that shouldve been the end of it but no due to the fact that they wanted to close out my account but not negotiate the late fees it reappeared in XXXX which I once again repaid it they cancel my payments two times and then lied and said they didnt do it just to have a reason to try to charge the account off for {$110.00} this is fraudulent when Ive done everything Im supposed to do I have my payment history I have a paid in full letter for the principal balance So the fact that they were doing fraudulent activity to try to close that account is unacceptable Im on my credit report fixed and I want something to be done about this company and the way that they handle their business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have been trying to update my bank account information with Money Lion for over two months now. I was told that I can not update my bank with plaid because it is not supported just yesterday XX/XX/2021. I was also told by XXXX XXXX that a supervisor would call me back regarding the credit reporting for XXXX and no one has reached out to me. Money Lion reported me 30 days late and havent helped me with trying to add my bank manually and now its on me to contact them so a payment can be made instead of fixing my issue. This is ridiculous! This is clearly a issue on their end and no one is taking accountability for their mishaps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: 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 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 2021-10-27 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 2021-10-27 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: FL

Complaint narrative:
My information was breached by more then one breach XXXX  data, XXXX XXXX, & found on black web since i found UNAUTHORIZED ACCOUNTS & INQUIRIES that need to be DELETED

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 2021-10-27 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: GA

Complaint narrative:
On XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days I have not received a response yet. I feel like im being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The money was in my account. I provided Citibank with the correct routing and account number. An issue on their end caused the payments to be returned. I have provided documentation of the account information and balances at the time. I incurred unnecessary and unfair fees.

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 2021-10-27 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: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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
State: FL

Complaint narrative:
On XX/XX/2021, I have received some funds on my PayPal account for mutual aid purposes. But for some reason, PayPal made all of my money on hold because they thought my personal account was used for selling stuff. And now for the next few payments, I receive through PayPal, the payments may be temporarily held for up to 21 days. I need PayPal to lift up these pending payments also put my money back on my balance and NOT on hold. The money is from my friends & family for my own personal and daily use. I'm not a seller and ALL my transactions are for mutual aid purposes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Have asked third party debt collector to provide documents to prove this debt. They have not complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: KS

Complaint narrative:
I moved from XXXX to XXXX. I am trying to retitle my car in XXXX. I have called countless times, emailed may times over the last two weeks and still Audi can not get the needed information to XXXX. My tags on the car soon expire, once expired I cant get to have it inspected, but XXXX  will not inspect the care unless Audi first sends the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
XX/XX/2021 I sent a letter to XXXX, to validate a debt that was placed on my credit report. I did not receive any response back. In XX/XX/2021, I sent them a follow up letter stating that the alleged debt was expired and to remove this off my report. Still no response. In XX/XX/2021 I sent Experian a letter to validate this debt and I still have received no response. Its been over 180 days of non communication from either party and it needs to be removed off my report

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 2021-10-27 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: FL

Complaint narrative:
My information was breached by more then one breach equifax data, XXXX XXXX, & found on XXXX web since i found UNAUTHORIZED ACCOUNTS & INQUIRIES that need to be DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Company refuses to provide requested documentation or remove debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX {$450.00} LVNV Funding LLC Through XXXX  XXXX, I have opened an account through  XXXX  XXXX a day before in my life. Let alone there is another one on XX/XX/21 for {$210.00} and I have never even applied through them. I tried to explain my identity has been stolen, but I need this taken care of because it is ruining my credit badly. Never owned anything through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/2021, PNC Bank took over operations of BBVA Compass Bank On XX/XX/2021, PNC Bank told me that all operations relating to my BBVA Compass Bank Account, will become operational as before. In particular I was interested in XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I went twice to the PNC Bank Branch and met once the Vice President I also submitted the Account linkage form on XX/XX/2021 However, to date, I have on online access to account, so I can not perform XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I am very worried, since I do not know what my balance is, and how much and many bills can I pay Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For the past several years, I've experienced issues obtaining my free annual credit report from Equifax Information Services LLC. I've only been able to obtain my annual free credit reports from XXXX and XXXX but not Equifax. 

Early XX/XX/2021, I mailed an Annual Credit Report Request Form to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. It was delivered by USPS via Certified Letter on the date of XX/XX/2021. XX/XX/2021, Equifax responded to my request by sending me a letter requesting more information for identity verification purposes. On XX/XX/2021, I mailed the requested identity verification information to Equifax, my response was delivered by USPS via Certified Letter on XX/XX/2021. 

As of XX/XX/2021, I have yet to receive my requested free annual credit report from Equifax. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
There was a late payment in XXXX which was a error on their behalf. I am always on time with my payments as you can see with my documentation. They told me they will remove it they havent still they keep giving me the round around I never had this problem with Kay Jewelers before. Not only its on XXXX also on my XXXX and XXXX. They need to get it together this is the second time Ive been trying to be convenient with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mercedes Benz Financial Services
State: SC

Complaint narrative:
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: AL

Complaint narrative:
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PRESTIGE FINANCIAL SERVICES INC
State: SC

Complaint narrative:
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, EQUIFAX, and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, EQUIFAX, AND XXXX place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, XXXX, and EXPERIAN, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, XXXX, AND EXPERIAN place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.

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 2021-10-27 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation