vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: GA

Complaint narrative:
XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!

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 2021-10-24 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: CITIBANK, N.A.
State: WA

Complaint narrative:
The below story is regarding an incident when Macy 's retail company in error severely damaged my credit score. The situation took place in 2016 and to this day it has not been resolved. My credit score has not improved since. Please help me! I do not know what else I can do. Here are the details : Macy 's damaged my credit score by continued monthly fee charges on my account that was closed back in XX/XX/2016 (! ) via the phone. At that time Macy 's representative assured me that my account is fully paid and closed. 
Shockingly in XX/XX/2016 I received a letter from Macy 's stating that I owe hundreds of dollars! I talked to yet another representative who checked my account and assured me that it was a mistake on Macy 's part, and it will be taken care of within the next 30 days. I asked and received a written confirmation dated XX/XX/2016 ( copy is attached ). 
Early in XX/XX/2016 I discovered that nothing changed on my Macys account and my great credit score was badly damaged by Macy 's reporting of the incorrect & damaging information to the credit reporting agencies. 
In XX/XX/2016 I talked to multiple representatives at Macy 's : Customer Service, Disputes Department and other groups spending hours on the phone over the course of a few weeks. NOTHING has been done so far. The superficial fee is still there and accruing and most importantly, my credit score is still very low.

Every time I called, I had to explain this situation all over again, being transferred from a person to person, being disconnected in about half of the calls. I call again, explain again, suffer bad connection, being put on holds, calls being dropped or promised that the situation will be resolved and asked to call back in a few days. Only to repeat this vicious circle all over again. 
On XX/XX/XXXX I shared my story on XXXX and a Macys rep responded and promised to help. However, nothing has changed, and my credit score have not improved since despite my diligent payment on my utilities and other bills.

Sadly, my story in not rare. Search the internet for Macy 's Credit Card fraud/issues to see other customers stories of suffering. 

Please help me to repair my credit score. 

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 2021-10-24 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: NJ

Complaint narrative:
Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: NJ

Complaint narrative:
Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

16. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

17. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

18. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

19. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. AMEX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX CO Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. PORTFOLIO RC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: IL

Complaint narrative:
In XXXX, the unknown debt on my TransUnion report was disputed and TransUnion had verified as accurate that the last payment was made on XX/XX/XXXX and the balance of {$3300.00} was reported correctly. The same year i requested mulltiple times to provide me the description of procedures that TransUnion 's used when they verified the accurancy. They never send me any description, as required by the law. 

After I notified the The Federal Trade Commission of the possibility of Identity Theft, they prepared for me a recovery plan to follow, step-by-step. XXXX of the steps was to notify TransUnion. 

On or about XX/XX/XXXX after TransUnion received my letter, they blocked this account. After 208 days, on XX/XX/XXXX, TransUnion sent me a notice that they just completed the investigation and they verified it belongs to me, and they reinserted it back to my consumer file. 

The information regarding this account were modified with different values. For example, The balance had dropped down, but the last payment is still XX/XX/XXXX. Please see the attached letters and the results of the investigation. I requested TransUnion to investigate this, and as of today, they still haven't responded me how come this got different balance amount now, when TransUnion verified the old balance was accurate? Since the reinsertion, I sent in total 7 letters pointing to this incorrect, not logical information. 3 were sent to the CEO of TransUnion. Neither I got description of ingestions. neither the account got deleted.

Please direct TransUnion, to provide me : 1. the last payment was made on XX/XX/XXXX. Then how did they verify the balance of {$3300.00} in XXXX was accurate, and how did they also verify as accurate the balance of {$3300.00} showing in XXXX? 

2. Why did it took 208 days to complete the investigation when they reinserted back this account?

3. What documents did they review when they concluded i am not victim of identity theft, and that i received benefits, money, goods, etc.

4. Did their investigation include the consideration of my special rights as a victim of identity theft? 

I really want to learn the methods of the procedures that were used when transunion verified the questions above as accurate. Mostly because the information that the Creditor has in his file don't match with the results of TransUnions investigation, and in a good faith I directly contacted the Creditor to solve this problem, and we both have entered into agreement that this balance is being reported incorrect. In addition, this incorrect reporting by TransUnion, made few creditors to deny me credit, and inability to obtain loan.

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 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hollins & McVay, P.A.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX My checking and savings account was completely garnished by a court order in Kansas. The po box the notice was sent to my mothers mail box. She checks the mail, if it looks like spam mail she throws it away. She said she did see some stuff with my name on it but I figured it was wrong person they sent it to or just spam mail. After my account was garnished and I was told it was a court order I told my mother to save those prices of mail, and when I got back to visit her I would see what it was. I got sued and the suit was awarded to the attorney suing me for a criminal debt from 2009. I do believe this is well past the statute of limitations. The law suit was prepared by : XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, Ks XXXX XXXX XXXX XXXX  XXXX XXXX  Case No : XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I booked a trip to XXXX as bundle package ( air and rental ) through XXXX for payment I chose the affirm loan to make monthly payments. I realized the flight was incorrect and immediately cancelled the trip and rebooked it the same day with the same payment method. When I went to pay for the trip I had to 2 loan accounts. XXXX only booked the plane ticket in the initial reservation and left the rental. So I am being charged for 2 rentals even though I only utilized one. I was called 3 times I was sent to customer service representatives outside of the United States I was told a supervisor would contact me and no one has to this day and this situation has been goin on since XXXX. I tried to dispute the charge with affirm the loan company and they did nothing as well and kept sending me notifications that they were going to report this to my credit report. So I ended up paying for something I cancelled and never used to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX - {$2000.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$200.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$1100.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

I first contacted Cash app notifying them there was fraudulent activity on my account and I have no idea of why this money was sent or aware of where it was sent. They refused to help. In XXXX I decided to take this to local police department since cash app refused to help. I filed a police report. Cash app then sent my detective a link to send his information. He even got information signed by a judge as required by cash app. To this day now almost 10 months later nothing has been done and I have yet to receive a penny of what stolen from me at the expense of the Cash App platform. My cashtag is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
XXXX I began an agreement with XXXX XXXX XXXX 's to install windows and two doors. I was told my payments would be interest-free and start in XX/XX/XXXX. I received an email from MOSAIC on XX/XX/XXXX, stating money would be due XXXX. I called the MOSAIC on XX/XX/XXXX to discuss the terms. The representative on the phone concluded that there had been no money removed from the account and I requested the loan be closed. I was told to try and get in contact with XXXX XXXX XXXX and informed them of this cancellation. And the MOSAIC company would try and do the same. On XX/XX/XXXX, I spoke with XXXX XXXX, representative of XXXX  XXXX  XXXX, who confirmed that there should be no payments or interest until XX/XX/XXXX. I then received an email from MOSAIC on XXXX stating that funds from my account had been dispersed to XXXX XXXX XXXX { This was the first time I had heard XXXX XXXX }. The letter also stated : " You will also receive a final communication from us when the cancellation process has been completed. '' On XXXX I sent a written notice to MOSAIC canceling all ties. On XXXX, I received an email saying they received a payment from me. On XX/XX/XXXX I sent a certified letter demanding all rendered null and void by virtue of the total failure perform. On XX/XX/XXXX I received an email indicating payment was revoked due to Customer authorization being revoked. On XX/XX/XXXX, another email asked for payment. I am claiming due to fraudulent actions of MOSAIC and failure to perform from XXXX XXXX XXXX that all ties be null and void. I request this situation to be resolved with all further contact being written and recorded as I may be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
unfortunately a victim of a ruthless evil romance scam involving multiple people that lasted for 6 months. would not wish this to happen to anyone else total losses exceed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: DE

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation