vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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: Americas Car-Mart, Inc.
State: IA

Complaint narrative:
I have reached out to XXXX on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are Colonial Auto Finance & XXXX XXXX XXXX Colonial Auto Finance is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

XXXX XXXX XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a XXXX as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.

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 2020-11-20 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { WFDS } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence.

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 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I first contacted Jefferson Capital Systems XX/XX/2020 about an inaccurate and unverified account from XXXX for {$640.00} I saw on my credit reports. I included the account number and what was listed on my credit reports by their company. They responded on XX/XX/2020 sending me a totally unrelated bill that is not listed on my credit reports at all, and had none of the information or account numbers I sent them that they are reporting to the credit bureaus. I again sent another certified letter XX/XX/2020, telling them they sent an unrelated account as validation, again listed the account I was disputing as shown by their company on my credit reports and asked them to remove the inaccuracies as they could not verify it. Jefferson Capital Systems responded on XX/XX/2020 sending yet again another bill that had no identifying information to link it to me, and a bill thats not even in my name, nor bears my signature, or verifiable proof as a means of validation. They are continuing to report this unverified account on my credit reports. I have also asked for their bonding agency information so I can file suit, and they have ignored that request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.

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 2020-11-20 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: NJ

Complaint narrative:
I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have tried countless times to resolve dispute XXXX with PayPal. PayPal never reached out to the merchant to submit documents to the credit card company. I personally got information from my credit card company to complete this process and passed it on to the merchant. 
Now the dispute has been settled since XX/XX/2020 and the funds disputed {$5000.00} have been applied back to PayPal but they have ignored to resolve the dispute by crediting the merchant these funds. 
When contacting PayPal they give you standard messages which have nothing to do with resolving the problem. I will not accept these standard messages with this complaint I'm filing here, they simply need to do their job. 
Everything on my end is in order with the credit card company. PayPal needs to resolve their side asap. I will enclose documentation from my card issuer XXXX XXXX of the outcome of the dispute and the applied charges back. PayPal should have received a similar letter awhile ago. 
I have a good relationship with my merchant and they do not deserve to be waiting for funds when the product has been shipped. They need this resolved so they can conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: NM

Complaint narrative:
I believe Atlantic Recovery Solutions called my step mothers cell phone on XX/XX/2020 saying they had a business letter they needed to send me however did not identify who they work for and apparently have my cell phone number as they text on XX/XX/2020 me saying they had a legally required notice they sent to me which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but Trans. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.

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 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SG and Associates
State: TX

Complaint narrative:
I have already filed a previous complaint for this company to stop calling me or my family or my job. They are refusing to STOP. The are constantly calling and using abusive language to threaten me to pay this debt that I do not owe them. I have already mailed them a request for verification of the debt and they refuse to send me a copy of the balance or payment history, what the debt was and where it was from, instead they insist on calling and calling and calling. They are calling my family and my work giving false statements and representations that I am being sued and that my wages will be garnished.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX & XXXX - two unauthorized ATM withdrawals for {$1000.00} each were made on my Bank of American EDD debit card. 

I filed a fraud complaint on the XX/XX/XXXX with BOA Fraud Department. After calling them back on XX/XX/XXXX, I was informed my claim was denied. Stating that I am at fault.

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 monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this report in hopes of fraudulent account removal from my credit history. I have attempted to search for the school that was shut down due to fraud and unfortunately someone used my information to attend this school and now I am being held financially responsible for a loan or tuition for a school I never attended. I have also noticed accounts for banks and credit cards that I am not understanding is tied to me in any way. I am hopeful that this will be resolved so that I can build my credit for myself to financially take care of my personal life and responsibilities.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
On Thursday XX/XX/2020 at XXXX me and my freind XXXX XXXX both of XXXX  exchanged XXXX a piece In cash for two online ordered gift cards. Truth is we were scamed. We went to XXXX in early XXXX and there cash registers declined a purchase and the said with card wasn't activated or was invalid. We called my vanilla card customer services and they started a ticket in both both there getting errors and invalid on both cards we contacted ecpd In XXXX XXXX wi. There on there way to assist us in getting the cash back I'd it's not spent already. Wanted cfpd to be aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TX

Complaint narrative:
XXXX  is the only one, well Equifax as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why Experion delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.

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 2020-11-20 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had an account that i paid on time every month without ever missing a payment. I recently tried to get qualified for a home loan and i noticed that i had a 30 day late payment from this account. I was never notified and i never fell behind on any payments. when i call no one can really give me a straight answer as to how it was late and honestly i don't have the records of it but i know i was never late because i had it set up on automatic payments from my account. Please assist me in getting this removed from my account and show my account as paid as agreed.

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 2020-11-20 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: NC

Complaint narrative:
I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went homeless and stayed homeless for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my mental health. my emotional health, and my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
On Thursday XX/XX/2020 we me and my freind XXXX XXXX bought two vanilla gift card XXXX each we exchanged cash for them. We went to XXXX I. XXXX wi they purchased was declined we called vanilla and they started tickets on both cards we bought. Vanilla said these were invalid cards.weve also contacted XXXX  in XXXX wi to see bout getting cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: U.S. BANCORP
State: UT

Complaint narrative:
To whom It may concern, I recently, reviewed a copy of my XXXX  credit report and { US BANK XXXX XXXX } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Us Bank XXXX XXXX and investigate such occurrence.

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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: GU

Complaint narrative:
XXXX I have report that I have been a victim of fraud/scam. But the Bank of the West and XXXX XXXX XXXX XXXX XXXX does not want to assist me. I have filed a dispute and told my bank XXXX XXXX that it is a scam that I wired transfer to a woman there in XXXX XXXX California. And A man in 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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my 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 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this report in hopes of fraudulent account removal from my credit history. I have attempted to search for the school that was shut down due to fraud and unfortunately someone used my information to attend this school and now I am being held financially responsible for a loan or tuition for a school I never attended. I have also noticed accounts for banks and credit cards that I am not understanding is tied to me in any way. I am hopeful that this will be resolved so that I can build my credit for myself to financially take care of my personal life and responsibilities.

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