vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This online complaint is against Experian, one of the three mayor credit bureau. 
They do not allow me to dispute items in my credit report. 
The Experian website always blocked me to submit any new dispute. 
Please see the screenshot I have attached with this complaint. 
My Experian Member ID is XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My wife and just created Transunion accounts in order to check out credit score. While signing up, the site does not once mention a subscription or service fee, though they do ask for a credit card at the end of the sign up form. We figured it was to have in case we did decide to purchase a more advanced version of the credit monitoring service and we just wanted to check our credit score, figuring it was free since there was no mention of payment. 
I double-checked the entire page before I clicked submit at the end of the account creation/sign up form on transunion.com and there was no statement that said I was agreeing to purchase anything at that time nor was there any price shown. Again, I figured it was a free basic credit score account like you can get with a ton of other credit monitoring services, so I signed up and so did my wife. We each then recieved an email saying we were charge {$25.00} for a monthly subscription. 
This is absolutely underhanded and intentional deception by this credit monitoring company to dupe people into thinking they are signing up for a basic, free account. How can they charge a credit card without stating they are doing so and without giving a price during the sign up process? 
They have no way of contacting them outside of normal business hours and I need to cancel this now. This could cause a real issue, as I did not expect {$25.00} to be billed to me ... This could cause interest on purchases that I was not willing to accept or an account balance fee. There is absolutely no way that this method of signing up is not an intentional trick to force people to pay for something they didn't know they were going to pay for. 
On top of that, they have a place on the site where you can request to cancel your service. I did it as soon as I realized they charged me without my consent.. within minutes of signing up. They do not offer a refund and just say that they have cancelled 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 2020-12-21 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: U.S. BANCORP
State: TN

Complaint narrative:
I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is US Bank  XXXX. The new information for this dispute is the following : US Bank is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.

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 2020-12-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not authorize the following inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.

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 2020-12-21 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: ID Analytics, Inc.
State: TN

Complaint narrative:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Early Warning Services, LLC
State: TN

Complaint narrative:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following inquiries were not authorized by me. These inquiries were done without my knowledge or approval. The inquiries I did not authorize are all the inquiries from XX/XX/XXXX to XX/XX/XXXX. I reviewed all of the inquires during that time frame and I did not initiate or authorize any of them. I am attaching identity documents to this complaint.

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 2020-12-21 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: LEXISNEXIS
State: TN

Complaint narrative:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The account in question is XXXX/XXXX Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make the payment due to Co-vid. When I was well enough to work I did make the payment immediately.

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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I dont remember the credit card debt on file, I went through medical problems and mental health issues and breakdown. Ive been XXXX  and when I did stay at the address on file I didnt get mail. I am medically unable to work and Covid has personally affected my family and I have no income. Is there a way to get an outside source to donate for help. This is causing me major stress and XXXX  issues making my life worse and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I first want to start off by saying that Capital One is an awesome company however my FCRA rights have been violated and I must address these errors. I've tried to inform them of this numerous times but they have not actually looked into what I was actually contesting. Instead responding back with contracts and updated payment statuses. That's not what im asking for. Upon viewing my credit reports I noticed CAPITAL ONE AUTO had a discrepancy in the " date of last activity '', date of last payment '', " payment history '', " account status '' and " comments '', section of the listings. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. The " account status '' for XXXX  and XXXX  is " derogatory '' however, the account status for XXXX is " paid ''. This was also listed as a collection/charge-off which means it should show no payment history. Which this account does and is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian claims I have an account using the email address XXXX I have had an account for many years with the email address XXXX I do not have a XXXX account. How do I report Fraud? I don't have access to my credit information.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was surprised when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 non-monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: MN

Complaint narrative:
Please tell them to close my account, ive contacted them 100 times through phone support and direct message and its still open thanks!

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 2020-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I signed up the day or so prior to the XXXX app. Or XXXX.XXXX. 

They took on new people and supposedly are working out the kinks of new people. I have not broadcasted on that site nor commented or violated their tos in anyway. When reaching out to them as to why you pay for coins or sponsorship and then arent even allowed to post on the app after they take their money / they dont respond. It was self automated saying they were very busy. Not busy to take your money and stop you from posting. Called Barclays to tell them and they sounded confused. I want my XXXX from XXXX  back since they took my money and had no response as to how as a new user I did anything wrong when I didnt even broadcast.

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 2020-12-21 00:00:00
Product: Student loan — Federal student loan servicing
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: MN

Complaint narrative:
XXXX XXXX is my name social XXXX address XXXX XXXX XXXX XXXX XXXX. I have a document below the would reflect my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: SC

Complaint narrative:
I am following up with a previous report I submitted regarding FRAUDULENT INFORMATION. I DO NOT KNOW WHY THIS INFORMATION HAS NOT ALREADY BEEN BLOCKED AND REMOVED FROM MY REPORT.I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX data Breach in 2017. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for

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 2020-12-21 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: AL

Complaint narrative:
The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, Experian, XXXX, and XXXX  stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a victim of a gift card scam and my bank said there is now way I can get my money back because I " participated '' in the act. It all started with a call from someone who identified themselves working with the IRS on XXXX XXXX They said multiple checking accounts were opened up in my name in Texas and was used to money launder into XXXX. I was being charged with money laundering and drug trafficking. I either had to go to court in Texas and plead my innocence or corporate with a local investigation. I picked the local investigation. I told them what county I am in and then they connected with a 3rd caller who was supposedly the my county Sheriff. The Sheriff then called me to speak one on one, and when he called me it came up in my phone as the name of my County Sheriff 's office. He said we can only speak on this line because it is recorded and I can not talk to anyone about this investigation or else I would have to go to court in Texas. He said the most important thing you need to do is " XXXX '' your money. Because they were going to freeze all accounts opened up under my social security number because of the money laundering charge. In order to do this I had to buy gift cards at XXXX dollars a pop. I would then exchange them for " Government Vouchers ''. It wasn't until the second day after we didn't meet that I figured out what was going on. He had me scratch off the back and read him the account number and pin number on the gift card and then I would go back into the store, most of them were XXXX, and I would go to self checkout and grab 10 at a time. I would only ring up two at a time because there was a XXXX dollar limit. All in all I lost XXXX dollars with 97 gift card purchases. I filed a fraud claim with the real Sheriffs department and with my bank. I emptied out both of my checking accounts, both of my savings accounts, and even started selling stocks from my mutual funds. This scam really has hit me hard financially and I don't think I will be able to recover from this if I am not able to receive these funds back. I did everything I can to report this issue and notified everyone that should be notified ; to include the IRS, the FTC, my bank, XXXX, and my Sheriff 's Department. While searching online I found out that there was a lady who lost over {$100000.00} and was able to get it all refunded. It does not seem fair that she was able to get her funds back and I am not. Is it because the local news covered it and she ended up on T.V and had an article written about it. I really need help on this matter and I feel like I am not getting any, even though I reported it to all the respective parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima has violated my FCRA rights with there inaccurate and/or inconsistent reporting. Upon viewing my credit reports I noticed ACIMA CREDIT XXXX XXXX had a discrepancy in the " payment history '', " date of last payment '' and " payment status '' section of the listings. XX/XX/XXXX is reporting a '' payment status '' of '' unknown '' yet in my payment history for whatever reason this item is reflecting as a charged off account. XX/XX/XXXXis also reporting a " date of last payment '' of " XX/XX/XXXX '' but in my pay history it reflects on time payment for the months of XX/XX/XXXX and XX/XX/XXXX however for the month of XX/XX/XXXX its reflecting as a charged off account. How can I be " on time '' and '' charged off '' at the same time? Im sure you can see my confusion on this matter Correct? XX/XX/XXXXis reporting my " payment history '' as a whole in a matter that's inconsistent. If it was intended for this item to be collections/charge-off then no payment history at all should be reflected. If this is the same account, reported by the same creditor how are these numbers and dates so inconsistent?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
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 onXX/XX/2020 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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