vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: UT

Complaint narrative:
XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had made purchases at Victorias Secret online for my daughter for bathing suits. I set up a payment but then she decided to return some. I think that when the return hit the system, it cancelled out my payment. They went two months without contacting me via phone or email stating my account was going to be past due or delinquent or anything UNTIL they reported it to the credit companies as 30 or more days late. They never once tried to call or contact me at all until after it was reported to the credit bureau. This is not ok, not in compliance with the fair credit rules and has dropped my score 53 points. I have never been late on payments for this card or any other and you can check my scores to see that. 

I want the 30 days late taken off my credit reports, all three reports need corrected. This was glitch with a refund cancelling out my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Current cosigner for a XXXX loan now serviced through UAS. 

Original loans totaled $ XXXX, paid loan amounts down ( to roughly $ XXXX ) prior to the loan converting from interest only payments to principal & interest payment. 
Received monthly payment amount based on full borrowed amount of $ XXXX. 
Called UAS spoke with XXXX on XX/XX/21 asking to re-amoritize the loan for which he stated he would do. 
No change to billing statement called on XX/XX/21 spoke with XXXX XXXX who state she sent email to a higher representative that would get back to me via email in few days. 
No response or email, called again XX/XX/21 spoke with XXXX XXXX who stated prior contact person doesn't work with them any longer. She stated she would escalate. 
No response so called again on XX/XX/21 ( 4th call ) and spoke with XXXX XXXX ( who stated my call was escalated to him and he would email me so I could receive updates or reach back out to him. 
Emailed XXXX XXXX twice in XXXX without any reply. 
Called again XX/XX/21 spoke with XXXX XXXX she said XXXX wasn't in and she would leave him a message. 7 months later STILL NO RESPONSE- DEPLORABLE TREATMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: PA

Complaint narrative:
I have challenged the 100 % accurate reporting of account for XXXX XXXX that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations

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 2021-07-07 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: PA

Complaint narrative:
I have challenged the 100 % accurate reporting of account for XXXX XXXX  that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: PA

Complaint narrative:
I have challenged the 100 % accurate reporting of account for XXXX XXXX  that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: WI

Complaint narrative:
This has been going on since late XX/XX/2021. In a nutshell, the issue is US Bank is allowing a merchant to charge for twice the amount the merchant told me was going to be. On several occasions, including a recent XX/XX/2021, letter by US Bank, I have complained that some of the people looking at my dispute with US Bank do not understand the issue. 

The issue has always been the merchant charging twice the amount it told me it would charge. I have never said that I am not going to pay what I was quoted, but yet again ( per the XX/XX/2021, letter ) US Bank that it can't assist me because I received the services represented in the transaction. 

THAT IS NOT THE ISSUE. The issue is being charged twice the amount I was quoted. 

[ I have other documents but exceed the XXXX MB limit. ]

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 2021-07-07 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: AZ

Complaint narrative:
Experian reporting agency. I disputed 2 accounts that came up on my report that were about XXXX years old and never showed up until Now and apparently were purchased by the company XXXX XXXX XXXX The account apparently is under XXXX XXXX It is reporting under my name as XXXX XXXX. In addition to this it is not showing what its for or how much and the amounts differ greatly by the original lender ( in this case being told its medical ). There are two accounts apparently and the amounts have increased significantly. Its not my debt.

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 2021-07-07 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: VA

Complaint narrative:
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have written two letters to this debt collection company specifying to them that this debt does not belong to me. I have never contracted the services of this medical vendor but in fact it was my daughter who has. 

I sent two letters dated XX/XX/2020 and XX/XX/2020 stating that this is not my debt and that you would need to send documentation proving that it belongs to me. Otherwise close the account and remove the item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

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 2021-07-07 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: UT

Complaint narrative:
XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am stating that XXXX, Transunion, XXXX, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, Transunion, XXXX, and XXXX  are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to Discover through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, Transunion, XXXX, and XXXX  to not only delete any and everything from my consumer report in regard to Discover ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA 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 2021-07-07 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: UT

Complaint narrative:
XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a really extensive report to submit about Pay Pal Mastercard!! 

They have me listed with a lost or stolen credit card. 

I am XXXX years old and a Veteran of the XXXX XXXX in XXXX XXXX, Texas. 

Please help me!! 

XXXX XXXX XXXX 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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was the victim of a scam/fraud by user XXXX XXXX on Venmo which is owned by PayPal. I realized this was a fraudulent transaction within approximately 10 minutes, contacted Venmo, and contacted my bank, XXXX XXXX in an attempt to cancel the transaction and my debit card. XXXX XXXX canceled my debit card, while Venmo did not cancel the transaction. The scammer fraudulently copied a known contact 's profile, photo, and username ( with a slight modification ) and requested money from me. This appears to me to be a failure on the part of Venmo/PayPal to comply with " Know Your Customer '' laws and also to prevent fraud on their platform. Venmo refuses to help on this matter thus I am filing a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I initiated 2 bank transfers in the amount of {$20.00} and {$130.00} from my Fifth Third checking account ending in XXXX to my XXXX account XXXX and it states that the estimated completion date is XXXX and today is currently XXXX but the transfer is still pending. I contacted XXXX and they said the funds has not been received but the money was deducted from my account the next following day as of XXXX. So Im requesting a chargeback ( refund etc. ) sent back from XXXX in the amount of {$150.00} back to my Fifth Third Bank checking account. Because the money wasnt received as promised. My whole account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.

Company response to consumer: Closed with explanation