vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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:
all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term XXXX  Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/1 Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX 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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term XXXX  Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/1 Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX 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 2020-07-18 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible  accuracy, of the information on my credit 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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX CHASE BANK CHARGED ME INTEREST FOR " CASH ADVANCES '' I DO NOT MAKE ANY OF THOSE. I SPOKE TO 2 REPS WHO SAID IT WAS WRONG AND THEY WOULD FIX IT. 
NOTHING HAS BEEN DONE, THAT STILL APPEARS ON MY ACCOUNT AND HAD PUT ME OVER THE LIMIT. 
THIS IS FRAUD AND ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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:
I applied for credit with XXXX on XX/XX/2020 and was approved at the highest interest rate because Equifax is reporting inaccurate information. They reported that I have serious delinquency and proportion of loan balances to loan amounts too high. I have paid my bills on time and have no serious delinquency ; it's hard to have a XXXX credit score with serious delinquency. I am using 13-15 % of my available credit so I need to understand how my proportion is too high. 

I called Equifax on XX/XX/2020 and was unable le to get an explanation from them regarding the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit 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 2020-07-18 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: FL

Complaint narrative:
My credit card was stolen and used without authorization at a Walmart. I called within half an hour to dispute the charges, and the company capital one reversed the credit. A week ior two later, they reinstated the charges. I asked why and they said the fraud department determined the card was used by the chip. An d he repeated this 5 times. I mentioned that there's a federal law limiting me to XXXX $ of liability. He repeated himself. I asked for a supervisor and waited on hold for 4 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18 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:
Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$430.00} Needs Attention Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX A Reported : XXXX. XXXX, XXXX + {$430.00} Needs AttentioXXXX XXXX XXXX  Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations

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 2020-07-18 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: FL

Complaint narrative:
id theft victim. account that was charged off is not my account. already removed from XXXX  and transunion. 
XXXX  for {$3600.00} is not mine XXXX XXXX XXXX {$1900.00} not mine

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 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX County. XXXX  instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX  XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX  . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX XXXX XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of XXXX ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX  XXXX  XXXX XXXX   it is a housing for people in XXXX. The full garnishment is a burden

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
1 ) sold a XXXX XXXX  watch for {$800.00} on XXXX  on XX/XX/2020 ; payment received through PayPal ; then buyer stated watch wasn't as described and received XXXX 's ok to return despite photographic proof that the watch he was trying to return was a different watch -- XXXX ( probably because of limited COVID staffing ) didn't reply in a timely manner so PayPal charged back my account on XX/XX/2020 -- I appealed to PayPal with electronic and printed photo proof, exchanged many messages, sent separate pleas with proof to their President and then Chairman but didn't receive a response -- one specific example is that the watch returned had 6 links on one side of the band while the watch sold had 5. His watch was also scratched in many spots and dirty. PayPal never answered as to how they could ignore the photo proof in my claims and have still not satisfactorily responded as of XX/XX/2020. 
2 ) as a result of that action, on XX/XX/XXXX PayPal put on hold {$380.00} proceeds from a separate transaction that were to be released one day after customer received shipment which was XX/XX/XXXX. As of XX/XX/XXXX they haven't released the funds and have not responded to requests

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: CO

Complaint narrative:
This company reported an account from XXXX on XX/XX/2020 in the amount of {$1000.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX  sold my debt to Porfolio Associates. PA sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank sold my debt to XXXX XXXX. XXXX  sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with 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 2020-07-18 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A Care Credit/Synchrony Bank Card was opened in my name without my permission on XX/XX/XXXX and used a XXXX  XXXX  of XXXX XXXX, FL, totalling $ XXXXSynchrony bank notified me on XX/XX/XXXX due to payments not being made. I requested the account be closed XX/XX/XXXX due to fraud. However, Care Credit/Synchrony continued to take payments from my bank account. An additional call to the Care Credit/Synchrony fraud department was made on on XX/XX/XXXX to close the account, but payments were again being taken out of my bank account without my authorization. I filed 3 fraud reports with Care Credit and each claim was denied, claiming I benefited from the card. However, I never opened the card or used it for XXXX  services.I receive XXXX  services through my employer and therefore would have no reason to open this card.

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 2020-07-18 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Auto Finance XXXX XXXX  XXXX XXXX XXXX, MI XXXX claims they sent me a final bill at the end of my five year loan that had to be paid differently than auto pay. My wife, loan signer and myself, co signer never received any type of letter or phone call since we initiated auto pay. Went to trade the vehicle and discovered we had no title. Took care of the payment instantly and they still penalized us, financially and credit wise. Have been denied three times from TD Bank. This has been going on almost two years. I take pride in my credit and proof is in the credit reports other than TD Bank. I also have a contract that states If you do not receive final billing statement your payment will be made automatically. I already sent documents to TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: FL

Complaint narrative:
student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late

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