vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my 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 explanation
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my 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 explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a text message from XXXX, debt collector XXXX XXXX on XX/XX/2020 regarding a debt of the credit card. Also, it stated that I should contact this office in order to prevent further consequences. 

On XX/XX/XXXX, I called the office and I spoke with Ms. XXXX to send me the information through my e-mail so that I can check my credit reports Bureau. She sent me a letter with the information : the creditor 's name is Household, account # XXXX with a case file # XXXX the Balance of the debt is {$3700.00}. 

On XX/XX/XXXX, I got a message through the voice mail from Ms. XXXX regarding the complain that I have been filed against me and need to call urgently to solve the issue and prevent further actions. 

I spoke and checked with the Credit Report Bureau Representatives and he told me the above creditor 's name and account number does not appear on my credit report in all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response

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 2020-08-14 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: GA

Complaint narrative:
on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response

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 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I was a victim to predatory lending. And due to that Santanter has settled a law suit and agreed to fix the problems with consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
XXXX Dear CFPB, I have tried to work with Equifax about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX  still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Equifax is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

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 2020-08-14 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: TX

Complaint narrative:
XXXX Dear CFPB, I have tried to work with TransUnion about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
TransUnion is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, 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 2020-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In XXXX of XXXX I purchased a XXXX smartphone from XXXX ( directly form them online as opposed to going to a XXXX store ) and signed up for the XXXX payment plan ( XXXX fixed payments of {$54.00} XXXX. The phone was supposed to be paid off after the last payment in XX/XX/XXXX. Then I noticed ... a couple of months later that TD Bank ( the bank servicing the credit account for XXXX? ) keeps drawing $ XXXX XXXX XXXX/ month ( the amount varied ) when I called TD Bank in XXXX of XXXX to ask why they keep taking money from my account the person on the phone said something about some back fees and that I was actually paying for 24 months slightly less than what I was supposed to ( the payments were not up to my discretion - they were set with XXXX 's offer and I agreed to pay a fixed payment of $ XXXX month -- when you do the math those XXXX payments of {$54.00} were the cost of the phone ). As the amount was about {$200.00} and I was not interested in trying to dig out the papers from XXXX I offered the person on the phone to pay this amount at once and be done with it. She was firm that this can not be paid off over the phone and I will need to make an appointment at a branch of TD Bank to get this resolved. As I was not able to do that I decided to keep paying it off until today when I saw my annual credit report and saw that the {$200.00} balance is now at {$220.00} somehow even when I pay it off it increases ( BTW the payments of $ XXXX month were not authorized nor defined by me ). I called again and escalated the matter to a supervisor which after being threatened with me contacting the CFPB said that the account can be paid over the phone and can be closed over the phone. I think that there are more people like me that are being taken advantage of and I am interested in you investigating the matter and eventually refunding me the hundreds of dollars I was overcharged for. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i sent a dispute XX/XX/2020 and still haven't gotten a response thats past 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
The Account with Experian XXXX XXXX for XXXX XXXX continues to report on my report and the company XXXX XXXX has agreed to take this off of the report. I understand that Experian uses information such as this for profit but this information is damaging for the community. I have spoken with XXXX  XXXX and they will no longer report any trade line to Experian for this account so please remove this and send me an updated copy of my report without this account showing. I will add proof of the response for this company for your records.

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 2020-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2020 I booked flights using My Capital One Credit Card to XXXX, XXXX in the amount of {$3700.00}. I was told by The airline XXXX XXXX that flight which was scheduled to leave XX/XX/XXXX would be cancelled as will return flight back to XXXX from XXXX in XX/XX/XXXX. The airline promised a return of the fees taken less {$150.00} processing fee. I was told by XXXX XXXX travel Agent XXXX XXXX in Illinois that I would receive confirmation of this. Unfortunately they failed to provide an lay document or email stating to the return due to their cancellation after contacting them multiple times in XXXX regarding this. 

I filed dispute with Capital One who gave back credit on XX/XX/XXXX. They subsequently removed in XXXX XXXX asking for more information. I asked what is needed besides the verification that XXXX XXXX has halted all flights from U.S. with no projected opening which is on public website. Capital asked that I write out a letter signed by me stating that I contacted Merchant and describing that the airline cancelled flights. I did so and provided screen shots from XXXX XXXX website showing closures and cancellations. 

Capital denied again stating they needed more information. After calling multiple times and being hung up on - I finally reached a supervisor. Again he asked me to write a letter. He also asked for itinerary of flight. I provided this and email from Capital One regarding billing. 

Capital One credited back funds on XX/XX/XXXX only to remove again on XX/XX/XXXX. Again stating they needed more information. 

I believe they are just trying to frustrate me and not wanting to clearly return funds back for a service that was never or can be delivered by an airline that is not flying now or in the near future from the US. So it makes no clear sense what else they need to return my funds. 

The airline is now stating they will take up to 4 months before they respond back which based on what I see as FAA guidelines in the US is not reasonable for a cancelled flight. I am entitled to full refund because airline cancelled. Capital One who is party to which I am disputing this transaction should credit back the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i sent a dispute XX/XX/2020 and still haven't gotten a response thats past 60 days

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 2020-08-14 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: GA

Complaint narrative:
i sent a dispute XX/XX/2020 and still haven't gotten a response thats past 60 days

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 2020-08-14 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: ID

Complaint narrative:
I did not authorize any of these companies to run my credit. Please remove these inquiries as I have an alert on my profile. 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 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I found out that I was a victim of Identity theft after receiving collection letter from SYNCHRONY BANK. I did not open or authorize this account and I have never had any outstanding debt with this company. Therefore, I filed an FTC ID theft report and a police report to dispute this matter with all the credit bureaus and SYNCHRONY BANK. Although the credit bureaus have resolved this issue and remove the negative account, SYNCHRONY BANK is still making collection activities. They keep sending collection letters which makes me feel harassed. I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau and warn other consumers about this type of financial harassment. 

Under section 605B of the Fair Credit Reporting Act, a creditor is required not to provide the inaccurate information to any Credit Reporting Agencies and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection.

I believe It is not my responsibility to pay the debt I do not own. If SYNCHRONY BANK does not follow with the FCR Act, I'm willing to take any necessary legal step to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
My credit score dropped 6 points with one hard inquiry from XXXX XXXX on XX/XX/2020, yet over the course of 3 years, when my balances have decreased, been paid off, or were less than 30 percent, my credit increased by a maximum of 4 pts. And when my balances increased or I received an inquiry, my credit score was deduced by a maximum of 6 points. In addition, my debt to income ratio is phenomenal. Again, there is a direct correlation of the lack of proper credit score tabulation in relation to my ethnicity as an XXXX. And I am noticing a clear line of discrimination as it relates to my credit. No matter how hard I work or maintain or earn credit or pay things off, my credit stays in predominantly stagnated state of 680 range, which is a discriminatory practice on the part of TransUnion and its affiliates.

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 2020-08-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: WI

Complaint narrative:
Hi my name is XXXX XXXX and this is my first time filing a complaint using CFPB. Since XXXX I have been working on improving on being more financially responsible : Budgeting, paying bills on time, and self educating myself. I check my reports frequently through XXXX XXXX   and it bothers me to see the following Medical collections below listed on my account. This could have been a simple misunderstanding of me having insurance or not as Im not a big fan of the hospital, sof I have been on ssdi for 2 years and recently started a new job working a job 30-40 hrs a week. My goal is to clear out any errors regarding my credit, build it too a XXXX by XX/XX/XXXX and XXXX by XX/XX/XXXX. So far I have paid a debt to XXXX in full of {$2400.00}, pay rent on time, and created a in-progress budget plan. I will work to get to where I need to be slowly and surly. Im in the process of rebuilding my credit score and these remarks are hurting my credit. Any advice /help to remove these remarks would be great. Thanks for your time and I look forward from hearing from you. 

Revsolve {$470.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: DISCOVER BANK
State: GA

Complaint narrative:
I had 3 loan accounts with discover bank student loan, all of the accounts were paid in full with a settlement and closed in XXXX. But Discover Student Loan Crop still state that my accounts are still opened and still delinquent because in XXXX, those accounts were delinquent. 
HOEVER, Delinquent accounts are those have not made at least a minimum payment for 30 days or more. 
BUT, my accounts were paid and closed after XXXX, in year of XXXX. 
I called Discovery Student Loan, their answer was very confused. they said doesn't matter these accounts were paid in full and closed after XXXX, they are still dispute the amount in XXXX. 
I felt confused because when I paid them in full in XXXX, these 3 accounts were not delinquent anymore, the company should not file delinquent collection for the delinquent amount in XXXX. I am also afraid that they will ask me to pay them any amount that I own them in any year before XXXX when the accounts were paid in full and closed. 
The delinquent they put on my 3 accounts are WRONG!

Company response to consumer: Closed with non-monetary relief