vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card someone used to originate this consumer credit transaction below. They should all be removed from my consumer report pursuant 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transaction from my credit report immediately as they are a violation of my right as a federally protected consumer under title 15 chapter 41. 

My information was also affected my XXXX data breach.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Phoenix Financial Services LLC
State: OH

Complaint narrative:
On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act.

Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I requested to transfer from Bank of america prepaid account edd to my chase account business account over a mobile app authorize by bNk of america i requested to transfer XXXX but made the mistake to transfer XXXX i waited up to 10 days and keep lan eye on the account account i filed 2 different disputes n 1 escalated claim which funds were never received to my bank and bank of america have been hanging up and not attending my calls ... its been over 3 months now ... I need 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 explanation
Consumer complaint received 2020-12-28 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: Penn Credit Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from PENN CREDIT CORPORATION and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, On XX/XX/XXXX I spoke with a Penn Credit Rep XXXX XXXX ( Agent I.D XXXX ) and verbally requested a debt validation letter with my signature to be sent to the address on file. XXXX stated 6 times that wasn't a option that Penn Credit Corp can not offer me. Since Penn Credit failure to respond to my verbal and written request to validate this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract-any and all accounts you posted on a credit report. I believe this is a direct violation of my consumer rights and I'm requesting this collection to be deleted from XXXX and XXXX credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian offers extra credit monitoring services at two different tiers. I was paying for the {$19.00} per month plan but was not able to renew. After it was set to renew I was unable to log into my credit account despite Experian offering free basic services. I have on numerous occasions demanded a refund because they charged me to get back into my account. Further I was not given the option to close out the premium subscription until I 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 explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem XXXX  up a customer credit, even though they were sick and helpless.

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Netspend Corporation
State: MN

Complaint narrative:
NetSpend has locked my account due to the fact they said I used my password 6 times I missed it and that is not true because it was downloaded in XXXX and all I do is push that square and everything will come up they wouldn't let me in because I had two checks for {$250.00} that I need a cash to cash the first one but they wouldn't cash the second and they're both in my name and their from social security

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 2020-12-28 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: VI

Complaint narrative:
I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX XXXXXXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem screwing up a customer credit, even though they were sick and helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX  XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem screwing up a customer credit, even though they were sick and helpless.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made 2 transfers into my BBVA both scheduled for XX/XX/20 one for XXXX $ and another for XXXX $ and the Bank never gave it to me and did not disburse the funds as requested and never gave them to me. I also was given 2 refunds that were never given to me also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have obtained the following unauthorized/fraud from my recently pulled credit report. Some of these inquiries remained after being disputed and should have been removed. Please see the following attachment with this complaint.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have filed multiple disputes with Equifax regarding this issue. Due to their phone service I have been unsuccessful in contacting anyone. 

This ongoing issue has caused me financial hardship and credit denial. 

Please see attachments with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MS

Complaint narrative:
XX/XX/2020 Discover card was instructed by the account holder to remove me as an authorized user prior to them closing the account. Discover card for unknown reasons is failing to remove me as an authorized user. Discover has caused me to receive a drastic deduction in points and has caused me to be denied credit. Discover seems to be refusing to remove inaccurate information, they have not responded to the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: TN

Complaint narrative:
I have recently paid down several accounts of debt, substantially. My credit score was increasing daily. XXXX XXXX alerted me of a change. Upon checking into I see that XXXX has increased my score while Equifax has dumped my score by 25 points for PAYING DOWN MONIES. This is not the first time I have had this issue with Equifax. I do believe that this is unjust and I feel that they are specifically targeting my account as this seems to be normal practice for them. I would like a full explanation. I would also like my credit score to be increased, as it should be. I am concerned for other consumers who are being taken advantage in this manner. Why would a score decrease when a consumer is in good standing and is PAYING OFF DEBT?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: NJ

Complaint narrative:
I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, XXXX  and Experian. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.

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 2020-12-28 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: NJ

Complaint narrative:
I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, Transunion and XXXX. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20 I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.

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