vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good day-I have disputed on several occasions an inaccurate XXXX XXXX reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020 in which I asked method of verification-again I have not received and reply from TransUnion. My third letter was sent on XX/XX/2020. To date I have not received a direct response to any of my disputes-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CO

Complaint narrative:
I submitted a dispute regarding my Experian Report Number XXXX. There are two separate accounts that are being reported by both the original creditor and the collection agency so I am being penalized twice. XXXX  XXXX XXXX Account XXXX, is for XXXX XXXX XXXX  Account Number XXXX, and XXXX   XXXX XXXX Account XXXX is for XXXX  Account Number XXXX. The did NOT investigate as to whether these are duplicate accounts.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America Pre-Paid card was charged 3 times by an unknown source. I called Bank of America and was on hold for 3 hours with the fraud department and the call disconneccted. Today I was on for two hours for both call and the call dropped. 

I go online and this is a normal occurrence. I can't get thru to anyone to dispute these charges and people will take my money before I can do anything about this. 

Its not fair that this is how they are treating people reciving unemployment.

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro collect Inc has put a collections on me stating I had an account with a electric company and I never did. I requested them to provide me proof such as my license or a Signature and the will not provide that.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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: PA

Complaint narrative:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number 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 2020-10-02 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: PA

Complaint narrative:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number 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 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is about Amex Platnum Credit Card. 

1. XX/XX/XXXX Annual Fee XXXX posted and paid. 
2. XX/XX/XXXX Request to cancel this card. However, the retention team tries to convince me to think more about it. 
3. XX/XX/XXXX After carefully think about it, I still decide to call to cancel the card. ( online chat ) 4. After a long chat, the card was canceled. However, they said that the Annual fee that was charged for XXXX will not be refunded due to Amex 's internal reasons. 
( Yes. The customer here was misled to pay the full annual fee but receive no service ) 5. Given that Amex will not refund, I there made an informed decision that I will be happy to keep using the card. 
6. However, Amex declines to provide service based on paid annual fees on this credit card. 

This case ends up with two facts ( 1 ) {$550.00} annual fee paid for XXXX was received by Amex and Amex declines to refund due to internal reason. ( 2 ) The use of credit cards for XXXX was also declined by Amex due to internal reasons. 

This obvious conflict was confirmed by the Amex customer service team as a picture, but they admit they can't do anything regarding this obvious conflict. I hope CFPB can moderate this unintended result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Requested Experian remove fraudulent inquires on my credit report, but they have failed to remove them.

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 2020-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Today, XX/XX/XXXX I recieved my first bill which said I didn't make a payment. On XX/XX/XXXX I set up auto payments for twice my monthly payment and they never took that out. So I've called them and they will not answer, 1.5 hours on hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against TransUnion LLC who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to TU and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2020-10-02 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: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against XXXX  XXXX who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Requested Equifax remove fraudulent inquires from my credit report, but inquires are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CA

Complaint narrative:
DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX company. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) 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 XXXX XXXX. XXXX. XXXX AND MORE .... 
The credit report was run from XXXX XXXX  XXXX  XXXX  shows Name XXXX XXXX XXXX ( not my name ) and SSN is not my SSN. 
I go online to get free credit report, XXXX  and TransUnion ask me some security questions and said I should send mail or call. I call XXXX, the customer service asks me the security question and say they can not help me. I sent mail to XXXX  on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like XXXX  and TransUnion fix problems 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 2020-10-02 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: AZ

Complaint narrative:
I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to Transunion, XXXX  and XXXX  with XXXX resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.

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 2020-10-02 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: SC

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 accounts listed below aren't 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. 

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 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 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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Requested fraudulent inquires from credit report be removed.

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RICHLAND HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, XXXX became my primary health insurer, and XXXX XXXX  XXXX became my secondary health insurer. Since that time, these two insurers have paid 100 % of all my medical costs, with no copay required. On or before XXXX, XXXX, I was a patient at the XXXX Hospital in XXXX XXXX, Nv. During that period, I was allegedly attended to by a doctor from the XXXX XXXX XXXX XXXX, I was in a XXXX, and remained in that condition for a period of ten days. 
It was the responsibility of the attending physician and/or XXXX XXXX XXXX XXXX to obtain my insurance information from XXXX Hospital. They had it because the information was in my wallet, and bill the insurance companies. The fact that XXXX XXXX XXXX XXXX contractual agreement with XXXX XXXX which doesnt provide for XXXX to provide them with patients insurance information is a serious flaw in that agreement, which I have no responsibility for. XXXX XXXX XXXX XXXX has a standard billing practice like every other hospital, doctors office and medical clinic in the United States of America. 
Obtain patient medical insurance before treatment is administered. Collect any co-payment due from the patient before treatment Bill the patients Insurers for the balance due.In this case, XXXX XXXX XXXX XXXX negligently failed to comply with its own standardized billing practice.XXXX XXXX XXXX XXXX had several other available viable options to obtain my insurance information. First, they could have called me at the XXXX Hospital and left a voice message if I was still in a coma. Secondly, they could have sent me a letter to me at the XXXX Hospital requesting such. Thirdly, they could have contacted the hospital social worker and informed that person to obtain the information or have me contact them. None of these options were exercised, which led to the none payment of this bill. Subsequently XXXX XXXX XXXX XXXX XXXX XXXX XXXX has referred this matter pertaining to this {$450.00} bill to the ACCTCORP of Southern Nevada for collection, which has resulted in a negative entry on my credit report. I would like to point out that XXXX Hospital and all outside attending physicians were paid in full because they followed standard billing procedures.

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