vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially

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 2019-09-07 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: LendUp Loans LLC
State: LA

Complaint narrative:
Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
Acc # XXXX Flurish Inc DBA Lendup XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am so grieved to write you about this agency but there must be some checks and balances but it may be negligence in not keeping update in the world of cyper security. I might have been protecting my files by thinking I had access to freeze them at will and Lock. But since I have been under some XXXX in the last few years the verbiage has changed I guess. 
My experian account was lock and I had the ability to have the keys to do this with a membership via MONEY. But inside of this is a another vervbiage called FREEZE. I am supposed to have a password and a limited amount of days it can stay open or perm open. Like I said I take responsibility for some of this and thank God I did not get taken advantage too much during this time period. But over the weekend we have a realtor who is trying to work with us to trying to get us into a better loan from the XXXX XXXX XXXX UH better know as XXXX XXXX ... ... took advantage of us with HIGH APR IN 2006. Somebody finally gon na help us get released from these TOP 1 % IN USA. THEN we cant even get someone from experian to work on friday XX/XX/XXXX & on weekends to help with customer support to help with passwords/freezes/. One person only help because I was going to cancel membership. Otherwise calls going throught loops of automations. When are the rich people ever going to stop just caring about money and care about people. Travesty.

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 2019-09-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My personal information has been stolen, compromised, used and abused. I have been a victim of identity theft for a long time and it is getting out of hand. There has been numerous of credit cards and retail store accounts opened in my name that I have not authorized or giving anyone permission to use. I have contacted companies to inform them about the situations and I have not received feedback. The following companies that I am aware of ar : 1. XXXX Synchrony Back MasterCard for {$5400.00} opened in XXXX 2.Toys R US MasterCard for XXXX opened in XXXX 3.  XXXX XXXX XXXX for XXXX opened in XXXX 4. JCPenny for {$560.00} opened in XXXX 5. XXXX XXXX for {$1200.00} opened in XXXX 6. Care Credit for {$7500.00} opened in XXXX These items are appearing on my credit report and I am asking for them to all be removed. I have contacted these companies and all accounts have been closed. This has been taking a toll on my health, my finances and my household.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/2019, I opened a new bank account with a local credit union. I then set up several Synchrony bank-serviced accounts with the ACH for the new account. In every case, the first debit from my account was rejected by the bank. When I checked with my bank, they said it was because the company was trying to take the money out of my auto loan account, not my checking account. I then went into the accounts and set up the ACH account again, and made a manual payment ( they were on autopay ). After I set up the account a second time, the payment processed successfully, and several payments processed thereafter. This week, I received notifications from Synchrony Bank that they had closed my PayPal Mastercard and my Lowe 's card. They refused to accept proof that there was money in my checking account at the time of their rejected ACH, or to consider that there might have been a problem on their end. I believe they also closed my XXXX card, but I have not yet been notified of that by mail. In the case of the Lowe 's and  PayPal Mastercard accounts, they said they could not reopen the account, and that they could only " file a complaint. '' PayPalPlus Mastercard acct # 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 2019-09-07 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: TX

Complaint narrative:
THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.

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 2019-09-07 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: TX

Complaint narrative:
THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.

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 2019-09-07 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: GA

Complaint narrative:
I have a public record showing on my Equifax and XXXX credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Person 's using my credit information opened up a credit line that i didn't open and using my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: GA

Complaint narrative:
I have a public record showing on my XXXX and Experian credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.

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 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TX

Complaint narrative:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a credit card bill for my Target REDcard ( issued by TD bank ) for the statement ending on XX/XX/XXXX. 

In my online account, I added the routing and account numbers for a funding source and proceeded to pay the bill. The payment was made in full on XX/XX/XXXX. 

Four days after the bill had been paid, my online activity was telling me the payment had been returned. The next statement had ended on XX/XX/XXXX resulting in an interest charge and a returned payment fee. I called customer service to find out the cause of the returned payment. The customer service representative informed me the bank account transfer came back with the status of being the wrong account number. The customer service representative was helpful in providing the account number I had submitted prior and I compared it to the number it intended to be. The result of that conversation was that the last digit of the correct account number should have been a '5 ', but instead, it was a '4 ' that was submitted. It was clearly the work of a data entry error. 

I asked the customer service representative to please undo the returned payment fee and the interest. She successfully reversed the interest charge but would not budge on the returned payment fee. I told her, what happened was an honest data entry error with the complete intention of paying the bill in full and it doesn't merit the {$27.00} returned payment fee. I was told it is company policy to not reverse returned payment fees. For the purpose of ending the call hoping to get a more helpful representative in the future, I thanked her for the interest reversal. 

On XX/XX/XXXX, I made the payment in full. 

Days later, I called customer service. I explained the situation that I accidentally typed the account number wrong with the incorrect last digit by mistake and asked if the returned payment fee can be reversed. Again, I was met with being told it isn't the bank 's policy to undo it. 

On XX/XX/XXXX, I paid the {$27.00} bill resulting from the fee. 

Over the course of the proceeding spring, I called approximately once a month to see if a helpful customer service representative would hear my request. Each time, I was told it wasn't going to happen. 

Attached are three documents : XXXX shows the original bill. 
XXXX shows my payments, returned payment fee, and interest charge. 
XXXX shows the reversal of the interest charge and that I paid the returned payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: PA

Complaint narrative:
On XX/XX/2019 I paid the full outstanding balance of {$7600.00} it's still showing on all the reporting Credit Bureaus with this outstanding balance,, should be an XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TX

Complaint narrative:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TX

Complaint narrative:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.

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 2019-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XX/XX/19 I paid {$59.00} for two tickets that were to be transferred to myself within 24-hours of receiving payment. The vendor delayed sending the items, then refused to communicate about a refund or solution regarding the dispute. I attempted to cancel and dispute the transaction the following morning on XX/XX/19 on my payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have been an American Express customer in good standing for 10 years now, and recently I found that my AmEx account had been marked as " delinquent '' for failure to pay late fees on a card that I cancelled almost a year ago that apparently had a small balance still left on it without my knowing about it. 

Given that I had other AmEx cards that I paid the entire balance on in full every single month, it was obvious to me that this balance on the closed account was allowed to continue to incur late fees because AmEx realized that I didn't realize there was a balance, so they let this go on for 8 months and held me responsible for hundreds of dollars in late fees on a closed account. AmEx claimed that they notified me via mail ( any other credit card company I have forgotten to pay a balance on has always called me ) but I have found zero evidence anywhere that they actually did. 

I have closed all of my accounts with AmEx, and paid everything I owed them in full including these hundreds of dollars in late fees that were added to the closed account, but I am concerned that this clear and obvious oversight that AmEx did not perform even basic due-dilligence in notifying me of as an account holder in good standing for a decade with them, has hurt my credit though I always do my utmost to pay all of my bills on time. You can not pay off what you don't realize you even owe, and obviously someone with my credit history with AmEx shouldn't have been torched by them this way. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 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 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Today I tried to book a reservation on XXXX with my Capitol One credit card. Even though I have the available credit on my Capitol One card to make the purchase of XXXX dollars capital one will not process the transaction without a copy of my drivers license or passport. Given Capital One 's massive data breach I do NOT trust them to act in any consumers best interest especially considering their desire to obtain even more person information about clients life photo 's of federal id 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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