vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 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: IL

Complaint narrative:
XXXX : following items disputed XXXX   XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION XXXX VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX  : TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION COULDNT VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: FL

Complaint narrative:
To whom this may concern : This complaint is due to the unauthorized inquires on my Transunion report. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX CA XX/XX/XXXX, XX/XX/XXXX/XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Transunion report as soon as possible. Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX  account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Transunion be able to properly verify something that they no longer own. Also, the collection account XXXX XXXX was not properly verified either with physical proof of debt validation just updated as " Verified as Accurate ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
booked a flight with XXXX from XXXX XXXX to XXXX XXXX, transferred at XXXX. My wife and I flew out on XX/XX/XXXX XXXX, 2019. We arrived in XXXX at or around XXXX am XX/XX/XXXX. Our next flight was set to fly two hours later. However, due to severe weather condition in XXXX XXXX, our flight was canceled. So my wife, who is 6 months pregnant and I had to rush to XXXX customer service desk to reschedule our flight. Unfortunately, the next flight was full. But it was ok, we were on stand by list. We were set to fly around XXXX XXXX   in the afternoon. When it was close to XXXX XXXX, we were told that this flight was canceled too. We asked the customer service what is the next flight. They told us the next flight was around XXXX, of course, no seat. We were placed in the stand-by list. When it is time to board the XXXX XXXX flight, we were told that all flights to XXXX XXXX were canceled, including all airlines. And we were told that there might be another flight the next day afternoon around XXXX XXXX, but there is no guarantee that there will be any seats. Because my wife was pregnant, and we did not know where should we stay overnight, and we could not retrieve our luggage because we were placed in the stand-by list, we decided that we just took XXXX, which was the only way of transportation to get to the destination. We spent XXXX dollars ( including train fare and food/water ) to get to XXXX XXXX by XXXX XXXX XXXX to get to XXXX XXXX. Since I used Citi Prestige Credit Card, which touted the benefit of Trip cancellation coverage insured by XXXX XXXX, I claimed Trip Cancellation from Citi Bank. Yet, my claim was rejected by adjuster because she said that I chose to incur more cost by changing the destination or connecting city. I called Citi bank many times with no satisfactory explanation. And adjuster never called me back as she promised. My claim number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: FL

Complaint narrative:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$5600.00} 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 2019-04-28 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: FL

Complaint narrative:
To whom this may concern : This complaint is due to the unauthorized inquires on my Experian report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Experian report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Experian be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: FL

Complaint narrative:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX  {$5600.00} 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 2019-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX went threw a down fall and lost my job so I couldnt pay my cards so when I filed taxes this year I decided to pay down XXXX debt I had in credit cards I know I missed two payments on each card cause I couldnt pay I didnt have a job at the moment so I paid most of them off and they jus closed my account they told me if I paid they would be back on and it was like they made me pay capital one cards secured card and credit card they closed them immediately After recount my payments which I find very unfair if I paid them almost in full why would they close my accounts so fast can you answer my question!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX  {$5600.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered that two Chase Quickpay transactions were initiated without my authorization for the amounts of {$1500.00} and {$2000.00} from my checking account. As soon as I saw, I called Chase and they were able to lock my online access to the account. They advised me to close the account and open a new one as well as change my passwords and account username, so I went to their branch and did all that. The banker tried to help me get in contact with the fraud department to see if I could get my money back and what the process would be. I was told that the fraud department would investigate what would happen and in about 10 days they would make a decision.

I called again a week later and found out that they had closed my claim on the XX/XX/XXXX, saying that it looked legitimate because it used to same IP address as 62+ other transactions so they didn't look further into it. I've called them once more after that and returned to the bank, speaking to a different banker, but nothing. They wouldn't open it again without any further proof. So I contacted the person named as the recipient, but because it was using two different emails that go to two different bank accounts, I was only able to get in touch with one. That person said they did not receive any money from me in any amount. The other email bounced back immediately ( a copy for which I've included below ). I'm in the process of filing a police report and I've already put a fraud alert on my accounts with XXXX and I've also filed a complaint with the FTC ( included ).

On top of this, that {$3500.00} was not supposed to be in my checking account. They were divided into two different savings accounts for different purposes and I was not the one who initiated the transfer. In fact, I thought there was a glitch the weekend of the XXXX because one savings account had been XXXX-ed into my checking, moving {$1700.00}. I immediately transferred the money back ( the {$1700.00} ) and that, too, was posted on the statements on the XXXX. However the money that I transferred back into my savings account never went in.

Additionally, I've checked my device history and there are three instances where an unfamiliar device ( XXXX XXXX XXXX ) accessed my account. On my third call with the fraud department, I found out that the XXXX transactions were actually initiated on the XX/XX/XXXX and XX/XX/XXXX and were only posted on the XX/XX/XXXX. This was news to me because I had checked my account on the XX/XX/XXXX and I still had all my money in my savings accounts. There was not {$500.00} in my checking account to transfer, much more {$3500.00}. There had not been {$1700.00} transferred in. And on my device history, the dates the XXXX XXXX XXXX had accessed my account coincided with the dates of the transactions and postings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT XXXX XXXX   BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT SPEEDY CASH BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I have never received any written notification about this debt. This should not be on my credit report because I have not have not had a chance to validate the debt. This item needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I did not apply for auto financing for this debt collector. I have not received any written information to validate this debt. This should not be on my credit report as an inquiry or debt. Please remove this from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX someone changed our email address linked to our chase account. I didnt do this nor did my husband. I called chase right away and told them we didnt do this. The woman I spoke with changed the email back to mine and assured me everything would be fine but keep an eye on the account just in case. Later that night there was a card replacement charge on my account for {$5.00}. I didnt notice this fee until XX/XX/XXXX. Someone withdrew {$1500.00}, {$1400.00} from our checking account and {$1000.00} from our savings from an atm in XXXX XXXX. We reside in XXXX XXXX, XXXX. We have not been to XXXX XXXX in over 20 years. I called chase the moment I saw this and started a claim. It is now XX/XX/XXXX, over a month later and we still do not have our money. They did give us back the {$1000.00} to our savings. They refunded us the {$1500.00} and {$1400.00} but then took it away again just 2 days ago, saying our claim was denied. We keep getting told the same thing. That it was our card used with the chip in XXXX XXXX. I sent them documentation from my work that I was in fact in XXXX XXXX, XXXX at the time this occurred. I just dont know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for credit from Axcess Financial and they made inquiry without reason. I dont have credit with them, It is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The goverment website says, to order your free annual credit report from one or all of the national credit reporting companies, and to purchase your credit score, visit XXXX, call toll-free XXXX, or complete the XXXX XXXX XXXX Request Form and mail it to : However, on the XXXX website, it only allows you to receive your credit report. It does not allow you to purchase your credit score. If I go to any one of the credit bureau websites, I am forced to pay for a monthly membership to get my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: NM

Complaint narrative:
XX/XX/19 I attempted to speak to both transunion and XXXX/XXXX about a hard inquiry that I never did. XXXX states they have no record but will not provide letter of deletion and as for transunion they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
XX/XX/19 I attempted to speak to both XXXX and kohls/capone   about a hard inquiry that I never did. kohls states they have no record but will not provide letter of deletion and as for XXXX   they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I applied for credit with Check into Cash and they made inquiry without reason. I dont have credit with them, It is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express XXXX. Http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX  XXXX Invoice from XXXX XXXX XXXX  XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document Nbr XXXX Executive Office for XXXXmmigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX  CET ( Central XXXX Time ). Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX member XXXX

Company response to consumer: Closed with explanation