vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$420.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 



XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW. 
EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the 3 national credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. 

Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. 

On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
All of the details are in the attached letter sent to the President of Capital One in XXXX. 
I have also uploaded their response which I find woefully inadequate as it does not address any of the issues raised in my letter. My follow up phone call was equally unhelpful. 
The bank does not acknowledge I informed them of this problem before the transaction even formally posted, though of course it was on a recorded line. 
I never authorized the transaction by phone or by app. No proof has ever been offered. 
i have never ever used the debit card. 
i have never done business with the merchant. 
Banks have no problem clawing back funds from customers after the fact when the feel like it. 
There is no reason I should not be credited, with interest, as trivial as it may be, ASAP. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Bank of America On XXXX.I applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant XXXX5 U.S Code 1691 ( K ). Bank of America has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX XXXX  Without prejudice, all natural inalienable rights reserved.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have been dealing with this collection for over 2 years. 

2018 I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX I had XXXX XXXX XXXX  internet service at this address. 
Upon moving to a new address I cancelled services with XXXX XXXX XXXX never missing a payment with them in its entirety. 

I returned the equipment to a XXXX store. Like any company requires. I dropped off the box and wiring. And the XXXX guy said thank you have a nice day. I said I didnt need a receipt. WHAT A MISTAKE!! 

2 months later I received a notification that my account balance was {$290.00}. I contacted XXXX XXXX XXXX IMMEDIATELY yelling at them telling them how I absolutely returned my equipment and obviously someone from their company did not do their job correctly. And I need this collection to be dismissed I was speaking to the manager on top of all of this! And they told me no problem sir, I will take care of this for you, I apologize. You dont need to talk to me like that, have a nice day Than I start reviewing letters from radius global solutions in regards to make an attempted debt collection on behalf of XXXX XXXX XXXX XXXX! So of course I contacted radius MULTIPLE times telling them the same scenario of what happened. But of course they could care less what I say Im just one person. They dont care what Im saying just want me to pay nothing they can do. 

For months I stopped reviewing mailed letters so I actually assumed they finally stopped and took away the collection. Until recently I started recieving them AGAIN!! only now Much worse. Because they have actually marked it on my credit report and is an official debt on my credit which has impacted my credit score ALOT!! 

I can not believe 2 years later Im still dealing with this issue all because someone didnt do their job correctly. Now Im paying the price for everything. I need this collection once and for all removed from my credit report. And removed all together with a RECEIPT and proof that it is done. I absolutely will not pay this nonsense. I only had 1 internet box with wiring, nothing else. Absolutely returned it and now Im getting 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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Date : XX/XX/2022 To : Chase Bank, XXXX XXXX XXXX XXXX, VA From : XXXX XXXX Subject : Check from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this letter to obtain funds that are in a closed Chase Bank Account. I deposited a check in the amount of {$3000.00} from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX Into a Chase Account which has now been closed and the bank will not refund the amount of {$3000.00} I was told by a teller at the XXXX XXXX if my Mom came into the bank with 2 forms of identification, the check would be mailed back to her. On Friday, XX/XX/2022, my mother, XXXX XXXX, and I jointly visited the Chase Bank on XXXX XXXX, XXXX XXXX My mother presented the two forms of identification and was told she could not receive the check because the bank was not able to verify its authenticity. 

We were given a toll-free Chase telephone number to call. Upon calling the XXXX Chase telephone number we were provided the following information : The representative informed us that the check was being mailed to my mother at her home address, wait for 8 to 10 days to receive it. 
After not receiving the check within the 10-day window, another call was placed to Chase. During this call, we were told that XXXX XXXX XXXX would need someone from their bank in North Carolina to come to a Chase Bank to verify the validity of the check. We explained that this is the Electric Company in the State of North Carolina, and they are almost three hours from XXXX, VA. 
The other option given was to have XXXX XXXX XXXX bank request the funds which would be difficult to do since this was a grant-funded project. 
Another call was placed with the Chase XXXX number on XX/XX/2022. During that call we were told the XXXX XXXX XXXX does not appear to be a legitimate company and we are unable to get the money back, however, the check will probably be turned over to the State of North Carolina as unclaimed and we would need to check that website. 

This is a very difficult situation and the funds are needed to pay outstanding debts. Attached is a letter from the agency that dispersed the funds. Every time we reach out to someone on the XXXX telephone number, we spend about 2 hours waiting for a representative to come on the phone. This has caused hardship during a pandemic when all of my mothers expenses are continuing to mount up because the money continues to be frozen in an account at Chase. Please help us to resolve this matter without me contacting XXXX XXXX XXXXXXXX XXXX XXXX for assistance. I can be reached at XXXX or XXXX. Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  / XXXX / {$280.00} XXXX XXXX / XXXX / {$690.00} XXXX / XXXX / {$2500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX  XXXX XXXX.. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX / {$2500.00} XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX / {$880.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have excellent credit and have been a customer of Capital One for well over a decade. I am struggling a bit with debt so decided to apply for a 0 % interest rate credit card to help manage it over the near-term. I wanted to go with a company with which I already have an account. Capital One advertised a 0 % intro rate for 15 months and a 14.99-25.99 % rate variable thereafter. I applied on XX/XX/XXXX and was immediately approved. The interest rate on my account is XXXX, the highest possible rate, and does not reflect the introductory rate. I called the company, and the person told me to wait. The rate has not changed, and the representative was unhelpful. They offer no options to contact the company in writing. 

This is false advertising and they pinged my credit for a card that I will never use due to the extremely high interest rate. They should change the advertising, provide what they promise, and reward good credit with lower rates.

Company response to consumer: Closed with non-monetary relief