vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX the account payment history is incorrect. Account never late. Please update. XXXX XXXX XXXX XXXX. No knowledge of account. Also this account shows a bankruptcy. An account can not report monthly if an account shows a bankruptcy. Non Factual reporting. Please delete the account. XXXX XXXX   XXXX The account payment history is incorrect. The account reflects multiple of the same amount of days outstanding every month consecutively from XX/XX/XXXX-XX/XX/XXXX. An account can not have the same amount of days outstanding consecutively every month. This is non-factual reporting. Please remove latenesses. XXXX XXXX   XXXX Does not have a contract with the company. Please delete. DEPT OF ED / XXXX XXXX This account payment history is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF ED / XXXX XXXX This account payment is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XX/XX/XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-09-09 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: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agency violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the National Recovery agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have an account with Synchrony ( the company behind Amazon Credit ) I make purchases every month ( Revolving Charges ) and  also have two 6-months same as cash promotional purchases. I pay off the revolving purchases in full each month and pay 1/6 of the promotional charges until they are paid in full. When I receive the bill, I am unable to determine the total of the Revolving Charge and the Promotional Purchases. I have called every month since XXXX to have someone explain my bill to me. I still do not understand the bill. 1. The balance on the promotional charges does not match my figures. 2. The balance on the revolving monthly charges should be clearly stated each month so that I can pay it in full and it is not. The bill is confusing and I am frustrated trying to figure out how much I need to pay each month to avoid interest fees and am tired of calling them each month for an explanation before I can pay the bill. 

I originally sent this complaint XXXX and received an email from XXXX XXXX asking me to call her. I called her on three consecutive business days, XXXX XXXX, and XXXX. I listened to a recording indicating that she was in the office but could not take the call, please leave a message. As of today, I have not heard back from her.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/20 to CFPB Received a letter today, XX/XX/20, dated XX/XX/20 from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. I want to file a discrimination application against Capital One as they decreased my credit limit from {$8000.00} to {$2000.00} without my permission. There was no reason for them to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the XXXX XXXX agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX car was purchased, XXXX car was stolen, Santander was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, Santander lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX has removed the loan from my credit report as well as XXXX  but XXXX  has yet to do so even with the evidence that it should be deleted permanently. Santander or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 recently conducted a review of my credit report, and I noticed that your agency showed 14 credit inquiries that I find to be problematic. 

The inquiries in question are : XX/XX/XXXX XXXX XXXX/XXXX   XXXX, XX/XX/XXXX XXXX  XXXX/XXXX,XX/XX/XXXX XXXX   XXXX/XXXX, XX/XX/XXXXXXXX  - CARD SERVICES, XX/XX/XXXX XXXX - CARD SERVICES, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX  - CARD SERVICES,XX/XX/XXXX XXXX/XXXX,XX/XX/XXXX XXXX XXXX DEALER SERVICES, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX. 
I contacted all these companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue over 2 months to no avail. Now I'm asking you to investigate these inquiries Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: PA

Complaint narrative:
On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to Experian on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 )  XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.

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 2020-09-09 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: Riverwalk Financial Corporation
State: PA

Complaint narrative:
On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) Deville Asset Management : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted.

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Paypal stated that since my credit card company disputed a charge on my behalf with them without my knowledge and it was denied for a fraudulent purchase that their Buyer 's Protection Program is void. It is not acceptable for Paypal to let scammers on their platform. My user id is XXXX with Paypal and there was a XXXX USD charge for a puppy I never received. I am just one person trying to fight this. Paypal says to try to contact the merchant. I have and the merchant does not reply. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: FL

Complaint narrative:
This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX  report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit 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 non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: TX

Complaint narrative:
Submitted com plaint for Fidelity / XXXX XXXX XXXX. 
They have no replied through you but instead sent a manifesto of accusation and refusal to help during the pandemic. 

I requested multiple time for help and tried to be up front with them but rhewy have initent of helping or doing anything that is productive. 
Their only goal is to harm me.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a US BANK RELIACRD MY CARD HAS BEEN DEACTIVATED ON XX/XX/20. I contacted Customer service then and was advised to take a copy of my driver license and fax it to XXXX. Which I completed three times since then and still my card Im not reactivated. Please I have money there and I need to pay my mortgage.

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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Great American Finance Co
State: TX

Complaint narrative:
I am receiving numerous calls a day from this company, Great American Finance. I have sent them a request in writing by fax on XX/XX/2020 and XX/XX/2020 asking them to not call my job. My employer does not allow personal phone calls. They talk over me and threaten a law suit, or to call the payroll department at my job. The latest call to my job was from XXXX XXXX, who wouldn't even let me speak, she became very aggressive when I told her I have requested in writing twice to not be contacted at my job. 

The name and address is : Great American Finance Company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation