vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted XXXX XXXX on a matter of an account, now 6 months ago and I send a dispute with the credit bureau on XX/XX/2020. and as of now Experian, XXXX, and XXXX. The FDCPA states that all debt must verify in 30days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: NY

Complaint narrative:
as notified before, I am a victim of identity theft, please see all attached documentation for the second time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Company is reporting an unverified account to the cras as a charged off with a payment status of past due {$230.00} which is illegal. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit 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 2020-09-03 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: NY

Complaint narrative:
As I, XXXX XXXX notified Transunion, I am a victim of identity theft, I am not a credit fix it person or a agency as Transunion accused me of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Today I attempted to get a credit score And open an account on credit karma and XXXX so that I can start building credit and both companies would not allow me. It said that something was possibly opened using my ssn or my information was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: IA

Complaint narrative:
I paid this balance in full! And it is still showing a past due balance????!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Company is reporting two 30 day late payments on my account.Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: NRA Group, LLC
State: FL

Complaint narrative:
I have been disputing and are not getting a timely response and i need answers because the account listed is NOT mine or i dont recall it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: RI

Complaint narrative:
I purchased flight ticket with American Express travel in XXXX. My flights were canceled in XXXX and I was entitled to full refund of {$3400.00}. However, after 5 months I have not been able to get a refund. 

Through out the process I called in XXXX, XXXX, XXXX, XXXX and I was told to wait for 30-45 days. However, on XX/XX/XXXX I was still not able to get a refund. The airline company confirmed refunds have been processed. However, American Express travel still told me they were waiting for airline company after five months. 

I was also told deceptive information throughout the process. In XXXX, I was first told I was entitled to full refund yet without any confirmation email. In XXXX, I was told some agent did something wrong and I was not entitled to refund. I asked to be escalated to a supervisor and they explained to me the previous agent was wrong and I was entitled to a refund with email confirmations. In XXXX and XXXX I called twice to confirm everything was going well and got email response. 

On XX/XX/XXXX, XX/XX/XXXX, I called again since XXXX announced they have given back all refund. I dealt with in total of 1 agent and 3 supervisors who told me completely different things. The first agent first told me someone had taken my refund out of queue ( even with my constant confirmation during the process ). Since it did not make sense, I asked to told to a supervisor. The supervisor on  XX/XX/XXXX told me I will be refunded in 5-7 days and an email will be sent. Yet I did not receive confirmation email. Thus, I decided to call on XX/XX/XXXX, the first supervisor send me an email saying it will be refunded in 30-45 days and up to the airline company, which is totally inconsistent with what the other supervisor has said. I called again and the third supervisor told me they are still waiting for airline which was contradicting to the other supervisors. 

The time frame they have promised have been long passed. I was also misled with inconsistent information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 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: WA

Complaint narrative:
I have sent transunion numerous certified letters since XX/XX/2020 about inaccurate credit inquiries on my credit report. The most recent letter dating XX/XX/2020 was returned already by a letter by them stating that they could that my two forms of ID i sent them were unacceptable which is a stalling tactic once again by TransUnion. They were sent my Drivers License and Social security card which are two acceptable forms of ID with the certified letter that was mailed to them.

They have failed for the past 5 months to validate any of the disputed items on my credit report and they are still continuing to illegally report inaccurate info on my credit report. TransUnion has sent me no proof that I initiated any such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, someone committed fraud by finding a lost wallet, and using the contents of the wallet to deposit a US Treasury Check into a secondary account and immediately withdrawing monies by utilizing cashapp to transfer money. Cashapp was contacted immediately afterwards to file a claim against this unauthorized use as more than {$1000.00} was transferred from the account. They forwarded a notice on XX/XX/XXXX acknowledging that they needed to apologize due to their slow response on the the matter and that a representative would contact us immediately. That was back in XXXX. This matter still has not been finalized to this day. I am requesting that cashapp pay back all the money that was taken under this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I paid this balance in full! And it is still showing a past due balance????!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 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: FL

Complaint narrative:
I submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: WA

Complaint narrative:
I have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: WA

Complaint narrative:
I have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have sent Portfolio Recovery Associates multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit 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 2020-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX  XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation