vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 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: NC

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 assure it has to be. I have not been able to get help from them for months that is why i am filing this report here. I feel they are not doing their job properly and it is effecting me a great deal because I use PayPal quite often and now I can not access the money I have sitting in my account and that is not right at all. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MD

Complaint narrative:
The credit bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation

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 2021-06-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Synovus Bank
State: PA

Complaint narrative:
I paid my {$180.00} on XX/XX/21, and now on XX/XX/21, after posting to my First Progress Secured CC account the available credit is still at {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MN

Complaint narrative:
On XXXX XXXX I noticed an unauthorized unknown account for XXXX by XXXX XXXX on my credit report, I contacted the bureaus to remove this negative item from my credit report. Although XXXX and XXXX removed the negative item, Experian still hasnt cooperated with removing this negative item from 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 2021-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
My Coinbase account was compromised. Ive filed numerous complaints with them to only receive an automated generic email. Its been about 2 months and I havnt heard an update or anything. After looking online this is a reoccurring thing with this company and their customer support is non existent. Its almost like theyre stealing your money when your account is compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery calls every Saturday and Sunday starting at XXXX. They also call during the day several times. This all started when they were removed from my credit file because it was an invalid debt. Never heard from this company until I had them removed. Now I get called several times a day starting at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
I paid off my auto loan with the amount the company agreed to. But they reported it like I underpaid the company. Ive did a report with your company and Im not understanding why you closed my complaints XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 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: FL

Complaint narrative:
Why submit when the same incorrect information repeatedly shows on my report and this company boldly returns the complaint as a duplicate. Of course it is they never corrected the myrids of disputes or complaint reports previously submitted correctly. Report number XXXX just received and still wrong- notuing ever completed- they just go through the motions.

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 2021-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I the consumer a natural person demand XXXX XXXX Transunion remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX XXXX  Transunion to furnish a report on the consumer take everything off the consumer profile and report. XXXX XXXX  Transunion own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.

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 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I the consumer a natural person demand XXXX  Equifax XXXX remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX Equifax XXXX  to furnish a report on the consumer take everything off the consumer profile and report. XXXX Equifax XXXX own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macys is on my credit report since XXXX reporting a charge off account. Macys reported a unpaid debt to IRS using form XXXX for XXXX or XXXX taxes. I tried to payoff the debt with Macys on last year due to Macys continuing to report the debt as unpaid each year which results in lowering my XXXX XXXX and XXXX  of credit with other merchants. They continue to keep reporting on my credit report and the date of removal went from dropping off in XXXX to XX/XX/XXXX and now XX/XX/XXXX. I called Macys to payoff off the amount but per Macys representative the debt was too old and passed statue of limitations. So they continue to allow the debt to remain on my credit and report as a charge off and continue to change the drop off date for removal. If XXXX form is used as The Form XXXX denotes debts that have been forgiven by creditors. It is also known as a cancellation of debt. According to the IRS, lenders must file this form for each debtor for whom they canceled {$600.00} or more of a debt owed to them, why continue to update the report as a charge off? In the past Macys stated they will sue me for this debt but when I finally had the money to payoff the debt, Macys would not accept the full payment because the debt was old. Since the debt is pass the statue of limitations and can not be listed as new debt, Macys should not or continue to update on my credit report! Macys is damaging my credit by how they are reporting to all 3 Credit Bureaus and also they wont allow for me to payoff this debt so this is damaging my credit!

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 2021-06-27 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:
Why submit when the same incorrect information repeatedly shows on my report and this company boldly returns the complaint as a duplicate. Of course it is they never corrected the myrids of disputes or complaint reports previously submitted correctly. Report number XXXX just received and still wrong- notuing ever completed- they just go through the motions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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:
I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 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 have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingenuity RM, LLC
State: SD

Complaint narrative:
I received a collection letter in the mail from a XXXX, ND address, requesting a {$50.00} payment to go to a creditor called " XXXX XXXX  ''. I have never lived in anything called " XXXX XXXX '' I have not lived in XXXX XXXX  since XX/XX/2017. I never heard of the place and am not paying it because it is not mine. My amended tax return was stolen from the us postal service  in XXXX a police report was filed with the police department. I dont know if it has anything to do with that but again, this is not my debt. I never lived in any such place. the place that i resided in when i was in XXXX XXXX already provided me with a letter indicating that i was in good standing and nothing was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Received a bill from XXXX XXXX for a credit card I did not open. 
2 purchases totaling {$960.00} 1XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX 's {$240.00} XXXX XX/XX/2021 XXXX, XXXX  XXXX XXXX {$720.00} Opened mail today Sunday XX/XX/2021 Tried to call XXXX XXXX credit customer service to dispute but the are not open on Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my Experian FICO score and it is very low compared to other credit agencies. I checked the reason for the score and the following is their reasons. 
1. Serious Delinquency. I admitted this is true because I co-signed for a mortgage for my daughter and she failed to me her obligations, I still had to pay over {$35000.00} to pay off mortgage. 
2. Few Accounts paid on Time. Baloney, When I receive a bill I send out a check the very next day without fail and have been doing this for 20 years. Even the records of my accounts with Experian shows every credit card and loan has been paid on time. 
3. No load activity. If I don't need a loan why in the world would I apply for one.? 
4 No credit card activity, Baloney, I buy from XXXX at least 2 times a week and use my credit card. This has been going on for years. 
Experian wants me to upgrade to their higher credit plan that cost additional money and I refuse to do so, so they continue to lie about my credit score and fico score. They should be investigated and shut down NOW

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 2021-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
My wife and me opened an account in Wells Fargo by the least six years ago. We live in XXXX and all the time we want to access to our info bank, our deposit or simply to know if is possible to use our credit or debit card. 

Wells Fargo prevent us to access to our account and to our money and is impossible to use the online banking because that tool is blocked for any reason that the bank and the people working for it don't resolve. 

Is inconcebible and crazy can't access to our money or our account because none reason. 

We need your help and to resolve a big problem that involves our savings and our sons, in the middle of pandemic for XXXX XXXX. 

XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. handle this XXXX asap please, I'm fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have been fighting this for a few years now this is not my account Ive never used it I never opened I have asked for them to send me proof which I my right I want original documents proving this is mine. And no response. It keeps getting sold from one company to the next and no one will help me they have the originating date in 2010. So I have been fighting this for a long time now its not mine. I have no paperwork as I have just lost everything I own in the flash flood on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The amsher acct was deleted from my report the end of XXXX for being Inaccurate, but has since been added back to my credit report in XX/XX/XXXX which is illegal

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