vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  should not be reporting collections on the XXXX XXXX XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also attached a copy of my identification documents for reference. ) These accounts have been discharged. I have attached copies of the documentation I was sent stating the Department has discharged the federal student loan or XXXX XXXX XXXX  obligation This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PARSON BISHOP SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/XXXX after repeatedly speaking with XXXX XXXX and XXXX XXXX about an ER visist that was billed as an in office visit I was told the billing code would be corrected snd a new bill would be sent. I paid mhy last payment of XXXX and was told that was all I needed to do. On XX/XX/XXXX PARSON BISHOP SERVICES has flagged your account as Collections. 

XXXX XXXX XXXX, XXXX. Unbeknownst to me the corrected bill was sent too late to XXXX. Again I get both companies on a three way call and find out the billing code was correct however XXXX made a mistake after telling me it was fixed. 

PARSON BISHOP SERVICES never reached out to me as they used an address I haven't lived in since XXXX. Nor did the contact XXXX XXXX who had the correct address as we had been in touch. The amount owed was reported was incorrect as I had made 3 payments and was told I was good. The amount I paid yesterday due to XXXX error was {$140.00} dollars I was told that XXXX XXXX would have debt removed as the error was not my fault and no bothered to communicate with me that XXXX hadn't paif the remaining balance as they previously stated they would. No One not even XXXX XXXX who know my correct address bohered to reach out to me. 

After XXXX fix the bill I will be refunded but the bill is paid 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 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently received a copy of my (  Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorizedXXXXfraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX, XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX  from XX/XX/XXXX2020 XXXX IXXXX from XXXX XXXX, 2020 2020

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 2021-04-30 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: AR Resources, Inc.
State: FL

Complaint narrative:
I have been calling AR Resources for weeks to pay a debt. On hold for hours at a time, unable to leave a voice-mail. Unable to pay online, as I can not get the acct # to pay. Sent in dispute with this info, no changes or assistance. I want this off my credit. Repeated attempts with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: MN

Complaint narrative:
I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX/XXXX XXXX Inquiry from XXXXr XXXX, XXXX XXXX  - Card Service Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Services Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CO

Complaint narrative:
XXXX  and Experian should not be reporting collections on the DP OF EDUC partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also attached a copy of my identification documents for reference. ) These accounts have been discharged. I have attached copies of the documentation I was sent stating the Department has discharged the federal student loan or TXXXX XXXX XXXX obligation This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Hello - Santander bank gave me a 27.99 % interest rate Currently I have a XXXX XXXX XXXX XXXX and owe around {$22000.00} and had the vehicle since XXXX. My car note is {$550.00} per month, and the car is only worth {$7000.00}. Several dealerships have informed me my interest rate is extremely high and Santander took advantage of me. Can someone please look into this? 

Thanks in advance for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX - XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX  - XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not authorize my bb & t or suntrust/truist to temporarily credit my checking account prior to depositing my stimulus checks. Both times had they processed my paycheck deposits correctly and not 3 days after the fact there would have been no negative balance. And even before that the fact that it takes 4 days for my account to reflect my paycheck is absolutely insane. ( My paycheck is from a bbt business account which makes even less sense why it delays ) And trying to see someone at the bank this entire time has proven even more difficult when they change up hours constantly and only has drive through and a line where you wait sometimes an hour just to see a teller. I don't have time to call and or wait around. I understand overdrafts happen and every paycheck I pay that balance. The first time they did this I paid back the entire negative when they took back the first credit I didn't agree to and now again for the 2nd time my account is XXXX and had no idea.

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 2021-04-30 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/21 Merchant as Professional collection, amount {$290.00} and {$170.00} violated my hippa without consent by sending procedures and personal labs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a letter to experian regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per experian credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

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 non-monetary relief
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal permanently limited my account just under 180 days ago. They said after the 180 days they would release the funds ( {$3100.00} ). On XX/XX/2021 they transfered the money to themselves and zeroed out the account. The following was the only note, '' {$3100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' I didn't violate anything and they said they were going to release my money after 180 days back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Mid-Atlantic Finance Co., Inc.
State: NJ

Complaint narrative:
I submitted a letter to XXXX regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per XXXX credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
A company named XXXX reported that I applied for and was approved for credit with them. This information showed up on my credit report. I did not apply for this credit. I contacted Experian credit agency. They investigated and replied that XXXX maintains my request for credit with them therefore it has not been removed from my report. I did not apply for this account.

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 2021-04-30 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for a debt I do not owe. I have asked for a contract with my signature, disputed with the credit bureaus, as well as verification that I am responsible. They just provided a statement and my name does not appear on anything they have. However, they are still attempting to try to collect from me because of an association with the people on any documentation. I am not responsible and they have not provided ANYTHING to prove otherwise. I thank you in advance for your help in resolving this matter.

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