vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: TX

Complaint narrative:
I have contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted Equifax I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent Equifax a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX can not verify this Bankruptcy how is Equifax able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: NY

Complaint narrative:
My personal information was obtained and misused in attempted to open fraudulent accounts. There are inquiries on my report that I did not authorize. Regardless if there was an approval or not I need them to be removed before this gets out of hand. Please make sure these credit companies are on their job and get this dispute resolved. I can not have these inquiries that are mine, reporting any longer. This shouldn't even be reporting on my consumer report anyway, according to U.S. Code Section 1681b. I filed a report through the FTC and the report number is 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 2021-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX  XXXX Balance {$800.00} This account has been transferred/sold, but. This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

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 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: TX

Complaint narrative:
I have multiple student loans with the account number XXXX. These loans were a part of a rehabilitation program that I completed. At the end of the rehabilitation, the loans are supposed to be closed out and the status of all late payments should be changed to paid on time. I completed the program, but all of the late payments still show on my credit report. I have sent letters to TransUnion so that they can update all of my payments to show paid on time, but they will not update the accounts. I have sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not removed the late payments from my account. I have attached a letter from the department of education that states that I have completed the rehabilitation program and that all of the payments on the accounts should be updated to show on time payments and that the accounts should be in good standing.

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 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Report of XXXX led to theft of card ending in XXXX again. Concern is the lack of privacy and the lack of enforcement surrounding thefts of financial records regarding matters involving Bank of America ( where subject of complaint is a financial institution ), CFPB ( regulating agency receiving reports about financial institutions not administering finances according to law ) and credit reporting agencies ( third party entities receiving information reported through regulating agencies and financial institutions ). I have not authorized a third party to act as my agent in this matter or any of the other matters filed through the CFPB and with any of the financial institutions listed on my credit reporting agency for anyone to lead or instruct a third party to perform such thefts.

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 2021-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
My ex wife and I purchased a car in XXXX of XXXX with poor credit. I traded in a XXXX XXXX XXXX and placed {$3000.00} down at XXXX XXXX XXXX. I have been paying the payment of {$450.00} every month. As of currently, 3 years later, I still owe XXXX. I originally was paying down XXXX. My loan is through Regional Acceptance and I have an interest rate of 18 %. I believe this is predatory lending.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX  has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: TX

Complaint narrative:
in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

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 2021-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group
State: GA

Complaint narrative:
I have requested this company to show proof that I owe this debt. I requested in writing on XX/XX/XXXX that Account Adjustment Bureau, Inc or XXXX XXXX XXXX, XXXX furnish a signed legal binding document with my signature and I still have not received any proof from this company that I owe this debt. This account is showing on my credit report 4 different times twice with Account Adjustment Bureau , Inc displaying 2 different amounts. Also, XXXX XXXX XXXX, XXXX displaying 2 different amounts. This information is defaming my character and is deceptive and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Balance {$120.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was playing a game called XXXX XXXX on line and I won XXXX XXXX dollars but you could only cash out XXXX XXXX at a time and I havent received any of the money yet can you please check on that. The first XXXX XXXX I put in the wrong email address. The wrong email was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was part owner in a company and we were looking for a credit card to use for company purchases. I applied with the companys XXXX, but since we hadnt been in business very long, I also had to use my own ssn and credit to be approved. Ultimately I left the company by selling my shares to other owner. The American Express card was on the books and was used only for company expenses. It continued to be used by company before they started being late on payments to the point of account being closed. Ultimately after awhile, the card was finally paid off, but shows on my personal credit report as a negative report with delinquencies and as closed by creditor. During this time, I spoke to American Express several times and told them who they needed to call to inquire about payments, as I was no longer with the company. Went through the process several times to allow them to speak with my previous company. During this time, even though I was communicating with American Express, I started getting calls that they were calling every one of my family members multiple times each and identifying themselves saying they needed to speak to me regarding this account. They were also calling casual friends multiple times the same way. I was not only mortified and embarrassed, but also horrified that besides family, friends I hardly know were now aware that a credit card company was trying to collect payments owed. 
I have already disputed the negative report on my credit, but just learned that they are only permitted to call family/friends one time. I want something done about this. I went through terrible XXXX due to every person I know being aware of a financial issue that was agreed to be taken care of until paid off by the company I was no longer associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have filed 11 weeks of pandemic unemployment assistance and was sent a Virginia way2go card and have not received one payment. I confirmed that it is the correct payment option on my gov2go account. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan was in forbearance yet Navient still gave me a late on my credit report. This has impacted my credit score very negatively. I am currently on XXXX and unemployed as a result of the global pandemic. I let Navient know and they wont remove late. I have given them documentation that i was in forbearance at the time of the late and also provided them XXXX information. They are rude and refuse to help. It is my understanding that Navient should not be collecting or penalizing borrowers until at least XX/XX/2021 yet they will not stop harassing me. This loan stresses me out and I XXXX XXXX over it. It elevates my XXXX  and makes me feel helpless. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax via mail and phone 4 times via phone and mail regarding these several unauthorized inquires on my credit report. I advised Equifax that I was a victim of identity theft and these multiple inquiries were not mines and not made by me. Equifax advised to send a FTC report, which I did but inaccurate inquires still remain on my report. I sent the fraud letter that I received from the Department of Justice, I sent multiple dispute letters, Ive called, Ive even filed two FTC reports, yet these unauthorized inquiries remain on my report. Both XXXX  and XXXX has removed these inquires from my report however Equifax wont. Are they above federal law? Do they just get to do what they want with consumer credit reports? THIS IS NOT FAIR THAT I HAVE TO BE PUNISHED FOR FRAUD.. FCRA SAYS ALL INACCURATE INFORMATION ESPECIALLY FRAUD MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX BALANCE {$750.00} XXXX XXXX XXXX BALANCE {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My student loans were locked in a low interest rate. Navient convinced me to reconsolidate my loans in order to get them in good standing. I hadn't been able to make any payments on them so my loan was in default. Now, 6 years later, the interest on my loan has increased the total amount do by {$15000.00}. I was not aware of the change of interest rate associated with the loan consolidation they talked me into. This is making it so I will never be able to pay off the loan and will continue to owe more money from the inflated interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/XXXX, I received an alert from PayPal claiming that I sent {$90.00} to someone by the name of " XXXX XXXX '', which I clearly did not make this transaction. I went to go file a dispute on the transaction that it was unauthorized. PayPal refused to reimburse me and dismissed my claim. This is abysmal customer service for PayPal to not reimburse a consumer for a transaction that is clearly unauthorized. I am a consumer whom should not have to face being robbed of my hard-earned money.

Company response to consumer: Closed with monetary relief