vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from Equifax until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that XXXX  offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called XXXX  during business hours at XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TX

Complaint narrative:
A charge was made on my credit card on XX/XX/XXXX for {$1000.00} for an XXXX XXXX XXXX XXXX. Due to the coronavirus it was cancelled and refunds were supposed to be sent out. This notification was made on XX/XX/XXXX that refunds were be charged back within 5 business days ( XXXX ). This is the last communication i received from the vendor and have been unable to get a hold of them since. I have attempted to call CapitalOne to dispute this charge numerous times after the five business days to no avail. I have waited for over 3 hours each time on hold. 

CapitalOne, unlike every other large card provide, does not provide online disputes nor an email to contact them. It is exclusively a call center and mail. I feel that a Company this size should have the technology to manage its customers. With living in XXXX County, TX, we are under a shelter in place order and can not go out to mail anything. While I am sheltering, I still have to work 70  hour+ a week from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I received a letter mailed to me dated for XX/XX/2020 and received it XX/XX/2020. Their website claims I owe {$400.00} to XXXX XXXX XXXX, but I have never opened an account with this bank or taken out a loan with them. Radius Global Solutions LLC are asking me to send in a payment online, by phone or even by mail. I have tried contacting them, but none of their offices or phone lines are available due to COVID-19.

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been a Bank of America Customer for over 15 years. In the past three years I was charged fees that amount over {$1100.00} for the amount that was not paid in full even though I was paying more than double the minimum monthly payment. i asked for fee reduction but was not successful. 
Finally I was able to arrange funds and paid the amount in full on XX/XX/XXXX I paid {$19000.00}. The debt balance was {$19000.00} XXXX but I added the pending charges and paid it in full. on XX/XX/XXXX the bank charged me {$200.00} in fees. Even though the balance was XXXX. I reached out online ( XXXX from VA ) and spoke on the phone with XXXX ( ID XXXX from Texas ). They gave me conflicting statement why i was charged. I am reaching out to dispute these charges especially when other institution are helping Bank of America is using mall practising their business. 
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 monetary relief
Consumer complaint received 2020-03-28 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Harris bank account been payment make in full On credit bureaus XXXX XXXX  XXXX show balance been pay in full and show lates payment was never late need removed from all three credit bureaus

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 2020-03-28 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: MN

Complaint narrative:
There is a XXXX  XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports Experian keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX XXXXXXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If Experian or XXXX or XXXX  can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying to work with the Credit companies to get this remove and its been over 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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to work with the Credit companies to get this remove and its been over 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 2020-03-28 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from XXXX until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that Experian offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called Experian during business hours at +XXXX ( XXXX ) XXXX and +XXXX ( XXXX ) XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to get 2 inquires which are over 2 years old and 2 accounts that are over 7 years old and do not show any reporting. The 2 inquires are XXXX XXXX and XXXX XXXX XXXX. Now both of those inquires are over 2 years old. Now the 2 accounts in mention are XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX both of those are over 7 years old.These are the only things on my report that should have fallen off because they have been over 7 years old. I looked at my credit report and tried to get these removed due to being inactive with no luck at all.

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I, XXXX XXXX XXXX initiated a credit builder card approximately one year ago with Amazon under Synchrony Bank a FDIC backed bank. I have paid all balances by the end of each month. However, in XX/XX/2020, I noticed changes in the way that the bank was handling the account. In addition to using this card on the Amazon site, I also used it on XXXX XXXX. However, that is not a concern. The way the account is being handled by Synchrony Bank is the issue. In XX/XX/2020, specifically XX/XX/2020 and XX/XX/2020, I scheduled payments for {$40.00} and {$41.00} to pay off purchases made on Amazon and XXXX XXXX. The purchases were paid in full and I just recently noticed after paying those balances off, I was charged interest in the amount of {$1.00} for a balance of {$0.00} on XX/XX/2020. Then, I received a statement for XXXX, in which I paid but there is no corresponding transaction, and Synchrony Bank agrees, there was no transaction for this amount billed and paid. I paid the amount of known purchase from XXXX XXXX in the amount of {$39.00} on XX/XX/2020 after making the purchase on XX/XX/2020 and the balance should have been {$0.00}. It appears from a statement on XX/XX/2020, the credit card company ( Synchrony Bank ) forwarded a balance of {$39.00} and it was not paid. Known purchases in the amount of {$35.00} for XX/XX/2020, {$1.00} for XX/XX/2020, and {$20.00} for XX/XX/2020 have been scheduled and paid as of XX/XX/2020, XX/XX/2020, and XX/XX/2020. The credit card company, Synchrony Bank after receiving all these payments issued a statement indicating a balance of {$89.00} is owed with no transactions being made since XX/XX/2020 and all of those transactions were paid in full. Per the dispute forms filed, no further payments will be made on disputed amounts of {$89.00} or greater ( which includes any potential fees ( late charges, interest, etc. ) as all transactions not being disputed have been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: MN

Complaint narrative:
There is a XXXX XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports XXXX  keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX  XXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If XXXX or TransUnion or XXXX can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.

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 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I tried to send money through cash app, but cash app refused payment. And I still haven't received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I temporarily removed a credit freeze with Experian so that I may receive approval of a credit card. After approval I attempted to reinstate my credit freeze, which I have been unable to do. Impossible to talk with anyone at Experian. It appears they offer an upgrade to freeze my credit at a cost, which does not sound right, or legal. I wrote to them, at which time they replied with a one year fraud alert, which I did no ask for. On XX/XX/XXXX, I again sent a certified letter to them, pleading for them to freeze my credit report. As of today ( XX/XX/XXXX ) my credit report is still unlocked. 

I find it very upsetting to have my credit report vulnerable which I feel like I am dealing with a brick wall. Although I might be confused with the terms on their website, I clearly see that my credit report is UNLOCKED, but that I can upgrade for a fee. 

I hope you are the correct agency to deal with this. Thank you for your help.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote to TransUnion in reguards to 2 accounts that are over 7 years old and asked for them to be removed due to inactive. The accounts in question are XXXX XXXX  Acct # XXXX and XXXX Acct # XXXX. These 2 accounts are over 7 years old and have been trying to get them removed from my report but have been unsuccessful. All other information on my report is correct

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