vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I lived in my home for almost 11 yrs. My husband got XXXX  and XXXX XXXX  from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX XXXX XXXX. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: LA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: LA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For 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 2020-09-04 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: Credit Control, LLC
State: GA

Complaint narrative:
I received a letter dated XX/XX/2020 from Credit Control , LLC trying to collect a debt from XXXX XXXX in the amount of {$8800.00}. On XX/XX/2020 I sent a dispute letter by certified mail to Credit Control , LLC informing them that the debt was not valid and asking for proof that I actually owe it. Credit Control , LLC received this letter on XX/XX/XXXX. On XX/XX/2020 I received my monthly credit report and saw that the debit in question was placed on my report which brought my credit score down 60 points. That same day, I contacted Credit Control , LLC to ask them to remove the fraudulent collection from my credit report. I informed them that I mailed my dispute within the allotted 30 days and that they can not place the collection on my report without proof that the debt is valid. They stated that they were told by XXXX XXXX to place it on my credit report and they they had to wait to get the proof of the debt before they would remove it, which is the opposite of how this process works. The representatives from Credit Control , LLC did not seem to understand the basic rules of credit reporting, and that their actions were illegal when they placed the collection on my report BEFORE receiving proof that it was valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I received a final bill notice from XXXX XXXX in XXXX and XX/XX/XXXX. 

When I spoke to a representative at XXXX XXXX I was told this bill originated from a request to turn on gas in an apartment in Rhode Island beginning in XX/XX/XXXX. 

I lived ( and still live ) in XXXX, MA and did not open a XX/XX/XXXX account in the XXXX, Rhode Island address. 

I never authorized anyone to open a XXXX XXXX account in my name for the XXXX, RI address. 

I contacted the company twice by phone call in XXXX and XX/XX/XXXX to report this but I never received help for this issue. 

I contacted the company twice by mail to fight this account being charged in my name as well during XX/XX/XXXX. 

As of now, the account is in collection for {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Complaints against Equifax 1. I have reported address removal from my credit report twice, and been told corrected XX/XX/XXXX and XX/XX/XXXX. I filed third dispute request today. 
2. I was part of the XXXX Equifax breach with claims up to {$20000.00}. I have field and under review for damages to credit, changes in mortgage needed, attorney fees, etc. Of course that breach is tied up in legalities for undetermined amount of time. My score reported to banks and lenders was artificially low in XX/XX/XXXX ( and for undetermined amount of time prior to that ) causing severe consequences to my financial well being. 
3. It appears that I have been part of a second breach, and Equifax has not responded or given recommended course of action. On XX/XX/XXXX, credit companies and Equifaxs website show a sudden drop in my credit score of 32 points without explanation. I spoke with Equifax on XX/XX/XXXX and they are unable to see the score change in their system. They have no explanation for my actual score they have on record and the score that is reported publicly to banks and lenders. They also have not provided any direction for correction. 
a. Note XX/XX/XXXX, I began dialogue with the Cyber Crimes Division at the XXXX XXXX office to look into extremely comprised accounts with XXXX and XXXX that have potentially and likely affected bank accounts, telecommunications with XXXX and XXXX Link, business and personal information, social media/false dating profiles, etc. Both XXXX and XXXX put in writing that I need their assistance to correct. An agent in the XXXX XXXX office has agreed to look into. 
b. FBI and Secret Service both directed me to the FTC to resolve the Equifax issue, and they directed me to you. 
c. If reflected credit in public/banking systems is artificial and inaccurate, I would look into third party reporting agencies, such as XXXX XXXX in XXXX, CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Have been trying to make a payment on my account since XXXX. Tried to make the payment online but my bank account had been unlinked. Try to link it again and kept receiving an error message. Had the same problem when I tried to make a payment in XXXX and had the same issue. Called customer service and tried to make the payment with them and it still did not work. The customer service rep documented that we could not make the payment. However it was still reported late on XXXX the XXXX. It was then reported late again on XX/XX/XXXX even though it wasnt 30 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 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY COMPANY XXXX XXXX XXXX  XXXX XXXX, FL XXXX I have sent ENHANCED RECOVERY COMPANY two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$590.00}. The company has failed to respond to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
After receiving and activating a card on XX/XX/2020 for {$200.00}, two fraudulent purchases were made, one via XXXX for {$11.00} and the other via XXXX XXXX for {$150.00} on XX/XX/XXXX and XX/XX/XXXX, respectively. I called the card issuer on XX/XX/XXXX during which I was told I would need to get in contact with the merchants as there was nothing they could do to recuperate my funds. After getting in touch with XXXX XXXX on XX/XX/XXXX I was sent an email to reach out to the financial institution and file a police report. After going to the police department on XX/XX/XXXX I was told they needed proof from the card company that these purchases were fraudulent. After following up with the card company and speaking with a supervisor on XX/XX/XXXX, I was told no action could be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: VI

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX   For XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXXXXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For TRANSUNION 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information 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 2020-09-04 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: VI

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX For EXPERIAN 1. Validate Account XXXX Account Number : XXXX Please verify all   information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : 3XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX   Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information 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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/2020 I purchased a plane ticket and travel protection insurance from XXXX {$270.00} and {$46.00} totaling {$320.00}. Due to a medical emergency I was unable to travel and contacted XXXX to cancel my flight and get a refund for the {$270.00} ticket. They cancelled my flight and refused their obligation to refund my ticket. I tried for several hours to resolve this with the creditor to no success. I then filed a dispute with Keybank prepaid card services by telephone and the agent categorized my dispute incorrectly and in addition to that issue I had moved in XXXX and did not get any requests my mail for further info on my complaint. My claim was subsequently denied. After learning of this error I called and re-opened the complaint and submitted all my supporting documents by mail and fax on XX/XX/2020. I received another denial letter from KeyBank stating that my claim is denied and that no error occurred which is a flat out lie. I don't think my claim was given proper consideration because this decision is so blatantly unfair. I did not receive the services for which I paid in either the travel by airplane or the travel protection insurance and I did not receive a refund for either. If Keybank properly investigated my claim and the evidence I provided I believe they would issue me a refund of {$270.00} for the plane ticket immediately if not in addition to the {$46.00} for the travel protection insurance which I did not receive. I have copies of the original purchase receipt, insurance policy, and charges to the debit card issued by Keybank as well as a doctors note serving as proof that I had no choice but to cancel my trip and am happy to provide that to your agency.

Company response to consumer: Closed with explanation