vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: NV

Complaint narrative:
I have told experian multiple times to close my account with XXXX XXXX XXXX  on my credit report as I am in a litigation/lawsuit with the company due to wrongful doing done within their practice. XXXX and XXXX has done due diligence by removing and closing my account with XXXX XXXX XXXX. So please help fix this and notify Experian to update it for me to better our stress on this situation. 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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, Transunion and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to Equifax, XXXX and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX ) report this credit card account to Equifax, XXXX and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been approved by XXXX XXXX aka XXXX Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX aka XXXX ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have been approved by FIFTH THIRD BANK Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I filed for a modification over a year ago. It was to start in XX/XX/XXXX. I have made all payments as directed but the website still indicates I owe XX/XX/XXXX payment. I have signed and returned the modification agreement 3 times and it has not been received per servicer. I have called repeatedly and requested contact online. I have made ten phone calls to waste an hour to fill in some random service rep the same story with no solutions. I just paid my XX/XX/XXXX payment and they have me as due for XX/XX/XXXX and my escrow is in the negative. I am extremely frustrated. My original loan was with XXXX XXXX XXXX and they sold me to this servicer. I would like to know what my legal rights are. This is affecting my credit and causing my family serious harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: MI

Complaint narrative:
XX/XX/XXXX received an alert that my credit score dropped by 17 points for no specific reason given. I had just paid off a car loan and it was reported as paid in full/good standing. I had very low credit usage at the time, my score should have not decreased, should have possibly increased actually due to my over 800 score and having no negative items on my report. I called that day and spoke to a representative she could not find any reason that it should have decreased so she told me she would forward this issue to another department for further investigation and that someone would be calling me back with more details. I never received a call back. XX/XX/XXXX I received another alert that my score was decreased by 12 points, for no specific reason. I called again and the representative said there was nothing she could do, they did not have that kind of information and I would have to contact my financial advisor/bank for more help on the issue. I called my bank and they told me there was nothing they could offer me ( as I suspected ) since this was not an issue having anything to do with the bank or my credit cards with them. All she could do was suggest contacting the credit reporting agency, which I explained I had already done with no luck. I called the credit agency back again and explained what they told me and was told they would forward this to another department and they would contact me back, the same thing I was told the very first time this happened. I never received a call back once again. Whenever I used to receive alerts there was always an explanation along with why something was changing. I was told by credit reporting agency that they no longer do that. I want to know why the decreases happened since I have been very dedicated to keeping my score up as high as possible and there has been no negative things that should have done this to my score. I have excellent credit and I think it is very unfair and wrong that my score took a hit for a total of 29 point decrease for absolutely no reason. I would like an explanation and correction to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to Equifax, XXXX and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied to and was approved for a credit card with FIFTH THIRD BANK Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, Transunion or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I applied to and was approved for a credit card with MILITARY STAR CARD aka The Exchange Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( MILITARY STAR CARD aka The Exchange Credit Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of PORTFOLIO RECOVERY listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX Department ) report this credit card account to XXXX, Transunion  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX  ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: The Bureaus, Inc.
State: AZ

Complaint narrative:
Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against The Bureaus, Inc. and XXXX XXXX XXXX. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( The Bureaus, Inc. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
I applied for a personal loan with United Community Bank, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.

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 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hi my name is XXXX XXXX. I'm not sure what to do at this point as I've tried resolving this issue for over 6 months. I signed up for venmo and transferred {$1000.00} ..the first couple transfers I did went threw without a problem. I tried linking my friends debit card to my account because I lost mine and he was also a venmo user but when I did that they froze my account. I was told I needed to send them copies of my id, copies of my bank statements and even copies of all the people 's id 's and bank statements of every person I had either sent and received money from and there id 's as well. .i told them I wouldn't be able to do that and I sent the docks I could. They said that wasn't good enough and my funds would be frozen for 180 days ... i told tgem to close my account in the hopes they would then send my money back but that didn't work ... i received a " final statement '' and contacted the executive of esculatione ... he informed me my money would finally be released on XX/XX/XXXX ... .i tried contacting him about 7 more times and also sent about 30 emails to different departments asking how to get my money since I was unable to get into my account since it was closed ... .now there basically telling me that my case has been translated to a specialist and I would have to wait ... .i need my money ... I lost my last appartment already because of this and I don't want to lose another one ... .plesse help me I don't know what else to do! Thanks XXXX XXXX my user name in venmo is XXXX ... the email is under XXXX ... .thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, Ive been trying to gain access to my Equifax and XXXX personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online accounts.

Company response to consumer: Closed with explanation