vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trans Union is reporting outdated information in my credit report. It is unknown how long they have reported the information, but some of it is more that 13 years old. I have disputed the information with them and in each instance they have indicated that the information has been verified. When I asked them to provide the method they used in verifying the accounts, including the name of the person talked to, the phone number of the person talked to and the address of the person talked to, they sent me a form letter which listed none of the information I am entitled to. Below are the accounts : Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Has a filed date of XXXX, and I understand that they go by the actual delinquency date and not the filed date, however the reason there is a XXXX balance on the account as of XXXX is because it was consolidated and XXXX now owns the the account under a separate account number. 

Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX XXXX {$0.00} Same as the account above except it has a filed date of XXXX. 

Court Name XXXX Docket number XXXX Record type Incl.  in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Same as other two Court Name XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy XXXX filed XXXX, XXXX XXXX {$0.00} This was a XXXX account that was paid off in XXXX and was never a part of any bankruptcy. 

Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} This account was also paid off in XXXX and not involved in any bankruptcy. 

This seems to be an industry wide problem, as both of the other agencies were reporting out dated account in the Public Records section of my rteport, however XXXX  and XXXX corrected their information. It is only trans union that has and continues to report information that should not be a part of my credit file.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: PA

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 2020-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK
State: CO

Complaint narrative:
Fraud : Unauthorize person hacked in my 1st bank account and transfered {$2500.00} through XXXX. 

This happen on XX/XX/2020 1st Bank has open the dispute to try to recover the money, 1st Bank online department mention to me that it might take anywere between 10 to 90 days to solve this issuse. 

1st Bank manager was telling me that since someone hack my XXXX account they would probably not be able to refund the money. 

Bank has to resposible for this since I am using XXXX within the account. Even on XXXX website it says that in Fruad I am not resposinble for the unauthorize activities. 

I have to pay my bills and recoping that {$2500.00} fast is very important.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I XXXXeed to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items 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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I disputed this collection account with CCS Services on XX/XX/XXXX asking them to send me verification that this debt belongs to me.I still have not received anything pertaining to this debt. This debt is supposedly from XXXX while i was pregnant with my twins. During this time i had insurance so thats why i need valid proof of this debt. Also the company that sold this debt is breaking HIPAA Laws by discussing my medical records with third party if this debt is mine. Upon researching CCS Services the are illegally trying to collect debts in Ohio. This company is not registered with the secretary of state in Ohio so they cant actively do business in the state without registering.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I paid this Medical collections debt that was owed as a pay to delete, but my credit report is still showing the account is still collection/charge off instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. This account was passed to a third party collection agency. The account was paid through the third party and I no longer owe any debt to the collectors or original bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I applied for a personal loan with XXXX XXXX XXXX XXXX  on XXXX, XX/XX/2020 and was not informed that my income was not high enough for the amount I needed. They ran a hard inquiry on my experian credit report and was denied on the basis of my income being to low. The relationship banker called and informed me that I was denied and the reason why. I told her that during the application process I specifically asked if my income was sufficient and she replied that it shouldnt be a problem. I asked if adding my father as a co-borrower would help as it would include his income as well. The relationship banker ran the new application through XXXX  on XXXX, XX/XX/2020 as my father as a co-signer vs. co- borrower which would help if my credit scores were not sufficient. I was denied a second time. The relationship banker called me on XXXX, XX/XX/2020 and informed me of her mistake and offered to expunge the hard inquiry from XXXX  XX/XX/2020 and redo the application a third time but correctly adding my father as co-borrower. XXXX  XX/XX/2020 she ran another application through XXXX  causing a third hard inquiry. I heard nothing till next day XX/XX/2020 when my credit was ran again for the 4th time again on my XXXX  report as well as my XXXX  and XXXX  credit reports. I usually have frozen at XXXX  and locked at XXXX and XXXX  but lifted them for a mortgage pre approval and for the personal loan. I also have an extended fraud alert on my reports as Im a victim of identity theft but was never contacted by XXXX XXXX XXXX XXXX regarding the steps necessary under the fraud alert bi-laws. I was told the extra hard inquirys were part of the verification process but I find nowhere where it says thats an acceptable verification process. They according to them are expunging the XX/XX/2020 inquiry as it was there fault in processing that application incorrectly. But they refuse to remove one of the last 2 hard inquirys claiming it was pulled twice due to the fraud alert on file. I know have 4 hard inquirys in a matter of 6 calendar days for a single personal loan, 2 of which Im not responsible for them not informing me about my income and incorrectly filling the application in XX/XX/2020. The excess hard inquirys are on my XXXX   report and not on my XXXX  or XXXX  reports.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my lender had pulled what should've been my final credit report for the purchase of my new home. I was astonished when he reached out to me to indicate that there was a new " old '' account reporting that was not on any previous reports. I currently have two accounts reporting on my TransUnion credit profile with the XXXX XXXX XXXX XXXX. The account that was re-added had a date of last payment and activity of XXXX XXXX. Seven years and 180 days had passed and the debt was no longer reporting on my credit report. Then a new account number was established with history starting in XX/XX/XXXX, almost a year past the old account being removed, essentially re-aging a time-barred debt. The careless, reckless and erroneous error has now put me in jeopardy of losing the significant amount of money I have on deposit with the builder. Furthermore, this has now placed us in a position where if not corrected immediately, we face being homeless. I feel this is a blatant violation under my rights under FCRA and FDCPA ; even more so that TransUnion allowed these accounts to be furnished.

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 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

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 2020-08-13 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: The Bureaus, Inc.
State: NY

Complaint narrative:
I have a loan  with THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, THE BUREAUS ( Original Creditor : 01 XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Finance Company
State: TX

Complaint narrative:
Broadway Financial out of XXXX XXXX, TX, has an account that was charged off. When I tried to contact them about paying off the debt it had increased from the original charge off amount and it had continued to increase. Just recently on XX/XX/2020 an increase of {$6.00} was added to my credit along with them running a credit check every 3 months on my credit profile.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo froze my account and then required I provide proof of my identity to them which I did immediately and received no updates, no contact info no addiontal information whatsoever until a week later when I was told after an investigated they had determined I violated their business practices, they have permanently closed my account and they would not be releasing any remaining funds ( XXXX ) for up to 180 days. no explanation, no phone number or email exists for that department even after calling Venmo customer support I was told they know nothing about those investigations beyond seeing my account was in fact frozen and being looked at. there is no recourse, they will not even disclose what the violation was. no info at all was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity was used

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 2020-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around the latter part of XXXX, XXXX from Regulatory complaints contacted me via phone regarding a complaint via the XXXX  and requested a return phone prior to XX/XX/XXXX. I returned the call multiple times. Upon speaking with XXXX. ( rude and unprofessional behavior ), I did not get my credit for {$750.00}. I requested to speak with a supervisor but no one has returned my request nor has my issue of a credit has been resolved. 

( I authorized for placement of new parts onto my vehicle ) for the requested service repair radiator ( Per XXXX ) BEFORE the determination of the reason why the CHECK ENGINE light is ON. Video of explanation of diagnosis for the vehicle per XXXX XXXX. https : XXXX This video was given to XXXX at XXXX & XXXX XXXX XXXX. My quote of said service was XXXX Once the parts were received XXXX was able to move forward in XXXX. Once the pandemic hit. I was out of work. SO I informed the business of my financial situation which extended well beyond the initial phase, as we all aware. However, I was grateful that my car was done complete per XXXX. Because the repairs were started on XX/XX/XXXX. 
From : XXXX XXXX XXXX XXXX To : " XXXX '' XXXX Sent XXXX Thursday, XX/XX/2020, XXXX XXXX  PST Subject : Re : Parts Ordered we received the grommets, I needed those to begin repairs. 
just waiting on the small outer grille. 
thank you. i will send you the invoice I informed the Shop owner XXXX of my anticipated date for pick in XX/XX/XXXX ( well beyond the time repairs were started and my anticipation of being completed. ) At that time, XXXX requested to bring the car to me. So, I was happy about that. Nonetheless, though I requested pictures ; none were given showing the car completed, I paid {$800.00} additional to the original estimate of XXXX, requested to diagnose my AC ; charges for AC work which I did not AUTHORIZE and no AUTHORIZATION or client being informed of any charges beyond the XXXX. 

Due to the fact, I was leaving town and I needed my car without revocation. I paid the ASTRONOMICAL AMOUNT OF XXXX. Due to the over charges in labor. I went to XXXX for an evaluation of the work done. It was determined that the invoice was not understandable which leads me to further believe. I am overcharged and some work was corrected by XXXX which cost me {$370.00}. I was OVERCHARGED in labor hours Therefore, I want an credit to my account for the difference

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 2020-08-13 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation