vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

TRANSWORLD ( Original Creditor : 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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A levy was placed on my account by the State of Indiana. I was able to get the levy removed and the funds were supposed to be released back into my account. {$830.00}. Bank of America claims that they sent the state of indiana a check. I was able to confirm with the state of indiana that the check was returned to bank of america on XX/XX/2023. bank of america claims that they still do not have it. I have asked for them to stop payment on the check so that the funds could be placed back into my account. Bank of america refused without a conversation with the state of indiana. Bank of America refused to reach out to the state or indiana regarding the check. I was finally able to get someone from the state of indiana to contact bank of america 's legal department to advise them that the check was sent back and to stoppayment on the check and put it in my account. The legal at bank of america has now promised on 2 different occassions that this would be completed within 2 business days. They keep making promises to stop payment on the check but i still do not have the funds. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: CO

Complaint narrative:
XXXX XXXX received numerous calls from XXXX and I asked for detailed bills and nothing, I called the local company who said I owed nothing so this was suspicious me and I asked to speak to management when theyd call and nothing theyd hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
3rd Request : Request for Debt Verification Regarding Recent Collection Notice I have no prior knowledge of the debt in question, and to the best of my recollection, I have not entered into any agreement or arrangement with your agency regarding this alleged debt. Given this circumstance, I believe it is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt in question. 

As per the FDCPA, specifically outlined in Section 809 ( b ), I have the right to request validation of the debt. This section states : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' In accordance with this provision, I am formally requesting verification of the debt mentioned in your recent communication. I kindly request that you provide the following information : The amount of the debt. 
The name of the original creditor to whom the debt is owed. 
Any relevant supporting documentation validating the existence and legitimacy of the debt. 
I understand that, as per the FDCPA, upon receipt of this request, you are obligated to cease collection efforts until the necessary verification is provided. I appreciate your prompt attention to this matter and look forward to resolving any discrepancies regarding the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX  Balance : {$4700.00}.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed XXXX, Transunion, and XXXX to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2023 Genesis Collection agency has stated I owe an amount of {$12000.00} from a apartment complex called XXXX XXXX XXXX XXXX I have reached out to the company regarding the matter and they have not yet sent anything regarding proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Credit Report address on my credit I never lived at want remove

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 2023-12-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've been trying to use an American Express gift card that was given to me with plenty of money but almost all online transactions I tried to make have been declined. I was able to buy stuff online and in store at XXXX but now that I'm trying to make a different purchase it's being declined even though I have more than enough on the card. I called Amex today XX/XX/23 to see if there was any resolution but all they told me is I can't use it at XXXX anymore and to try at a different retailer. Very unhelpful and I have a lot of money that's still locked in the gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention

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 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Im a person that take care of all my accounts. i do have a good health insurance that I use any where I go. I dont recall been sick or in that hospital on those days. Been getting phone calls at any time and their language its not the best.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed XXXX, XXXX, and Equifax to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed Experian, XXXX, and XXXX to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A combination of XXXX  and XXXX has caused a hardship for my family, my income has been greatly reduced and we can no longer afford the payment. I asked for assistance, at first they asked me to pay XXXXXXXX XXXX XXXX XXXX times the minimum and called it a " program to assist me ''. After several calls I spoke with a " senior account manager '' who offered to waive late payment fees for the next few months. When I asked for " real hardship assistance '' they declined. I explained that I may be facing bankruptcy if we can't find a better solution, offered to sell my vehicle to pay a reduced settlement, they declined. I asked if they could possibly just write it off, they said that the account would have to be XXXX or more days past due and in default before we could discuss a write-off. I asked to speak to someone with more authority to make this type of decision and was told that there was no one with more authority and no other department. I really hope someone reads this who can help us, CapitalOne has been almost no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting 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:
I reviewed my credit report and noticed some inaccuracies. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their agility with maximum accuracy. I was not 120 days late on the account ( XXXX ) in XXXX of 2020 as reported by XXXX. The second error is the Past Due Balance on this account is incorrect and should reflect {$0.00}. Please investigate and provide proof of the inaccuracies that have been reported. If proof can not be provided, I demand that this information be updated or the account be removed from my credit report. Thanks, Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a gift card for American Express for {$50.00}. It works no where. In store or online. I have called the number on the card and they just say try it some more or hang up on me. It's very embarrassing. It shows active and {$50.00} available but it will not work anywhere. My mother is out of money for a gift she bought and it can't be used. XXXX XXXX XXXX XXXX XX/XX/32 XXXX XXXX

Company response to consumer: Closed with monetary relief