vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX XXXX. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. AMERICAN HONDA FINANCE # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-04-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB XXXXXXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, Ive been battling over XXXX trying to open an account up and its constantly says due to consumer reporting agency we can not open an open at this time. Ive tried reaching out many times to find out what is stopping me was told nothing but til this day I cant even open up an account. Can I please get some assistance with this. 

Thank youll, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with XXXX response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Comenity with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had XXXX help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2021-04-20 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: NY

Complaint narrative:
Transunion and XXXX, I am writing you today to delete the information provided below. My FTC XXXX is attached. I have also attached my XXXX and XXXX for proof of identity. 

XXXX : Collections - XXXX XXXX XXXX - {$560.00} Date Opened : XX/XX/XXXX. 
Please delete this inaccurate account from my profile. 

Hard Inquiries - XXXX XXXX XXXX - XX/XX/XXXX Please delete this fraudulent inquiry from my profile. 

Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Transunion : Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please remove these fraudulent inquiries that do not attach to an account. 

Collections : XXXX XXXX - {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX - {$1400.00} Date Opened : XX/XX/XXXX Please understand that I am a victim of XXXX XXXX and I demand that you comply to my request to investigate and remove these items from my credit report. I appreciate your concern to my request.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have disputed with all XXXX  bureaus as to whether this debt is actually mine. I have attempted to contact XXXX and they are unable to produce any billing statements or invoices. CA continues to report to CRAs with this debt and there has been no evidence produced that proves this debt belongs to me. All XXXX credit bureaus are unable to produce any documentation that verifies this debt is mine nor when it was originated or when it went past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all XXXX credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Citibank with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Credit Central Holdings, LLC
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: OH

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integrated Asset Recovery LLC
State: FL

Complaint narrative:
The company XXXX XXXX XXXX, XXXX send me a letter for a debt collection of {$540.00} in the acc XXXX, that is not the same information that shows in my XXXX report, for example, the claimed debt is under the name of XXXX XXXX XXXX, and they have discrepancy no just in names but in the Adress, the letter showS XXXX XXXX XXXX XXXX VA XXXX and the XXXX info shows another XXXX XXXX . 
I notice on this letter that I do not know any of these companies and I have never done any business or contract with them and my physical signature.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2021 a transaction was sent to my sister through XXXX XXXX XXXX XXXX app ( XXXX ). This transaction was never received by my Sister. I have disputed this with the bank twice. The only information they provide is that the transaction was completed. They have not provided any information about the transaction between XXXX XXXX, XXXX, and XXXX ( my sisters bank ). My sister has worked with her bank on the transaction and according to their records there is no transaction associated with number provided above to them. 

I have been to my local branch on 2 occasions : The first occasion I met with an Assistant Center Manager at the XXXX Indiana Branch XXXX XXXX. At the time, this transaction had been sitting in pending for upwards of a week. Neither myself or my sister were users of XXXX so she first had to sign up. I was not aware that I needed to do anything with the XXXX app since it is integrated into Fifth Thirds website and gives no instruction about downloading the app or anything else except to click here. After a week, I went to the bank met with Assistant Manager and Asked her if she could cancel the transaction. At this point she could see that the transaction had been pending for several days. She commented that she did not know why it had set out there so long and that it should have returned to my account if the funds were not sent after specified period days ( which had already transpired ) She ended up resetting my account in XXXX. When she did that two things happened. My transaction changed to sent and a transaction for XXXX $ that my sister sent to me through XXXX came through. I was told to wait a few days and it would show up in my sisters account. 

On XX/XX/XXXX I returned to my local branch and met with the XXXX XXXX the Assistant Vice President of the local branch. He investigated and was puzzled why the transaction had not gone through. He also indicated that the money should have been returned when it stayed in the pending status longer than the allotted time. We filed a dispute on XX/XX/XXXX concerning the transaction ( XXXX ). This dispute was denied approximately 10 days later with the only explanation that the transaction had been sent. I filed an appeal only to have it denied 60 days later with no information provided other than the notice from XXXX indicating the payment was sent. 

I would at least like to know the dates and account numbers that were involved in the transfer. I have not been able to talk to anybody other than low level customer service representatives who transfer me to different departments each which is staffed by another low level representative who has no power to do anything except take messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I logged into the XXXX XXXX app that I use every month to transfer my child support payment. I was forced to the new XXXX app and was forced to use the new platform. When I logged in and went to transfer {$600.00} to my bank account, I noticed that it looked different and only showed limited information regarding the accounts I am accessing. The checking accounts only displayed the last two or three digits of the account number. When I looked at the account numbers, there was an account that had the last digits XXXX and no other identifying information. I logged into my bank to verify the last two digits were XXXX and after verification, I transferred the money. 

After several days, the money had not been transferred and I contacted XXXX to find out what had happened. I was given a transaction number - XXXX which I presented to my bank. They had no record of that transaction. At that point I realized the new XXXX displayed no identifying information beyond the two digits and that two of my bank accounts ends in XXXX. There was no way for me to identify which bank account I transferred the money into. I've been on several calls with XXXX and they keep telling me that there's nothing they can do and because of security, they can't see any additional information. What they've actually created in an effort to attain security for the custormer is a breech in security that creates problems for the customer and, in this case, the loss of {$600.00} due to such limited identifying information of the accounts attached to the app. 

It is inconceivabel that an institution that provides financial services would set themselves up so that they have no ability to provide customer protection and customer service when dealing with moving money. Today was my 5th hour + long phone call that resulting in being told there's nothing they can do to recover or even identify where the money was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
After viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.

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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
BB & T took money out of what I got from the last stimulus ; I figured this was to pay back where I was over drafted so I figured ; fine. 
But now like a month later Im over drafted XXXX $ that they already took out!

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 2021-04-20 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 First Finance, Inc.
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Westlake Services, LLC
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.

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