vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: MO

Complaint narrative:
Trans Union investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on Tran Union investigation. 
XXXX XXXXXXXX XXXX XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXXXXXX XXXX XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from Trans Union/ XXXX XXXX credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on XXXX XXXX investigation. 
XXXX XXXX loan XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from XXXX XXXX XXXX Eqifax credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: VA

Complaint narrative:
I have a credit collection on my XXXX that is different from Transunion. One was taken off of my XXXX report but the same charge was on my Transunion and was not removed. I clearly saw that this was an incorrect charge or report on my credit card that might introduce more problems and they may have other incorrect credit reports to my credit as well. I have seen other companies sell credit collections that were owed to keep them going longer so it doesn't get removed under the time frame

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 2023-06-14 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: AL

Complaint narrative:
Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.

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 2023-06-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.

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 2023-06-14 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: LA

Complaint narrative:
Have multiple inaccuracies due to identity theft thats needs to be removed I have tried numerous times to reach out and get these items removed including a public record but they are using a 3rd party which isnt verifying anything and the court have already provided a letter showing its not mine. I have attached my FTC report along with a dispute letter. my ID and my social Security card with the accounts listed that needs to be removed 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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was laid off due to covid during the time of the late payments. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Equifax about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. 
I received an updated response by Equifax stating the account is verified and updated *balance, *past due, *credit limit, *actual payment schedule, *portfolio status, *account history. 
None of which addressed my concerns : Equifax commented consumer dispute ( not specified ) but it was I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # * XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency Can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I opened my venmo account on XX/XX/2023. The account was suddenly frozen on XX/XX/2023. I submitted the requested documents to have account unfrozen which was completed on XX/XX/2023. I then had a direct deposit come to my account in my name for {$1200.00} from my school at XXXX am on XX/XX/2023. On that same day XX/XX/2023 I attempted to transfer funds as authorized by the Venmo policy to a friend 's account but wasn't able to do so because my account had been refrozen for no apparent reason. So I called in and was told by a representative that the system flagged my account so they created a case number for me to have my account unfrozen and assured me that I've done nothing wrong ( I have the email from them to prove that statement ) I then received an email on XX/XX/2023 requesting me to upload another copy of my Identification to have my account unfrozen XXXX XXXX. I submitted a copy of the front and back of my driver 's license that same day XX/XX/2023 at XXXX and I received a notification saying submission successful. At XXXX XXXX I received an email from an account specialist by the name of XXXX XXXX. 
Account Specialist | Venmo saying my account was now permanently deactivated and that my funds would be turned over to the Loss prevention department for 180 days and that they'll contact then if the funds were going to be returned to me. So I email that same specialist and asked why was my funds being held, I also asked could the funds be returned to my school since they seem to have an issue with my identity information. That same specialist responded saying that it's no gaunrentee that my funds will be released back to me. My issue is that I haven't committed any form of fraudulent activities. If they would have asked me to submit proof of the funds I received as a direct deposit from my school them I would have but they only asked for my Identification which I submitted and they still restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: VA

Complaint narrative:
I have a credit collection on my Equifax that is different from XXXX. One was taken off of my Equifax report but the same charge was on my XXXX and was not removed. I clearly saw that this was an incorrect charge or report on my credit card that might introduce more problems and they may have other incorrect credit reports to my credit as well. I have seen other companies sell credit collections that were owed to keep them going longer so it doesn't get removed under the time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: TN

Complaint narrative:
I sent a letter in the mail on XXXX XXXX 2023 to XXXX XXXX Notice received XX/XX/2023 from XXXX XXXX Notice. I didn't get any response back for debt validation or verification that the debt belonged to me instead the collection company raised the amount balance on the credit report. XXXX XXXX has failed to respond back to me for more than XXXX calendar days. I have requested that the collection report on my credit report remove imminently. 

Note : Please see the attachment letter that was sent to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: GA

Complaint narrative:
As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, Equifax, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had fraud happen to my checking account.My money from XXXX check funds, {$520.00} was taken using XXXX XXXX. I disputed this that it wasn't me. I don't have XXXX phone, account or anything to do with XXXX. Chase gave me the {$520.00} till my dispute was done. They said it was my fault because they used my phone number. So then they wanted the money back and i didn't have it because i used it to pay bills.I lost the other half of my check so i had no money. Why would i give someone permission to take out my money. I'm XXXX XXXX XXXX. That's all i had is my XXXX. So then they said after a few attempts i made that i was to blame. So then it went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: GA

Complaint narrative:
As of XX/XX/, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my XXXX XXXX account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to Transunion, XXXX, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.

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 2023-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide XXXX or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO

Complaint narrative:
I was seen and treated at XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I had just turned XXXX XXXX XXXX and was in my first year of college during XXXX  when I suffered XXXX. My dad came to be with me, although he had to stay in his car and at a hotel because he could not physically be with me most of the time. He was able to sign paperwork as the financially responsible party and provide insurance information. 

XXXX XXXX billed our insurer ( XXXX XXXX of Illinois ). The claim was processed by them on XXXX We were billed for the amount not covered by insurance. That amount was paid to XXXX XXXX promptly and without issue. 

In XX/XX/XXXX, I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX, XXXX, saying that they are attempting to collect an unpaid medical bill from XXXX XXXX XXXX, which bought a written-off account from XXXX XXXX XXXX XXXX XXXX IL XXXX based on medical care I received during the hospitalization referenced above. 

I was never billed for this care by XXXX  XXXX XXXX ( XXXX XXXX, XXXX  ), or by XXXX XXXX, XXXX. Not a single written bill was received, not a single phone call was received to tell me that I owed for this care. Despite the paperwork that my dad signed at the hospital and the insurance information he provided ( as shown by the hospital 's actions for the amount owed to them ), XXXX XXXX XXXXXXXX did not bill my insurance for their care. At least some portion of this bill would have been paid by my insurer. 

Now, over two years later, I am being asked to pay the entire amount for care that would have been covered by insurance if XXXX  XXXX XXXX XXXX, would have billed my insurer as I instructed them. My credit has been damaged by both a write-off and a collections action for an amount that would have been paid years ago if I had received one bill in the mail or a phone call notifying me of an amount due. There is no indication that my address or phone number weren't available to them, as I have received letters and phone calls from the firm attempting to collect the amount. 

This is an unacceptable course of action for a medical group, particularly given that I was ill, young ( had turned XXXX less than one month prior to this hospitalization ), away from home, and in the midst of the XXXX pandemic. 

At my authorization, my parents have spoken to representatives at Mitchell D. Bluhm & Associates, including " XXXX, '' to explain the issue and request itemization, which was received. This office has no interest in the circumstances of the bill. Our insurer has spoken with representatives at the office of XXXX  XXXX XXXX XXXX, who has referred them to the collections agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since opening the card with synchrony bank in 2021 I have been charged over XXXX XXXX in late fees which I am therefore being charged interest rate fees for the late fees as well as the remaining amount

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation