vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: FL

Complaint narrative:
XXXX  military returned from XXXX and family needed money. I feel I was lured in being they are less than XXXX miles from base Im sure Im not the only one. They constantly are calling friends and family and wanting an allotment set up to make the payments. I know I narrowed the money and dont dispute that. I ask they lower my interest on remaining balance to 12 % or lower. Also I have requested copies of the original al signed contract that was done digitally and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has been reporting FALSE information regarding collection activity on my credit report. I submitted 3 credit report dispute complaints over a 3 year period to have this false collect claim removed and provided court documents showing the debt claim as false and not valid. Each time the dispute results are in favor of the creditor with ZERO proof that the debt belongs to me. 

Equifax is not doing proper investigations into consumer dispute complaints. And are failing to collect proof of debt from creditors before submitting negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Beginning of XXXX after checking my credit status via XXXX XXXX app I discovered a charge of {$350.00} on my Capital one card. I have never activated this card nor authorized the use or used or made the reported charges. I contacted Capital One right away to dispute the charges but they actually told me that no such charges exist on my card. Today I received a statement from Capital One for {$380.00} the amount due plus late fees. I never received statements prior to the one mentioned above. I contacted Capital one again and they reported that after investigating my claim the charges are valid and that I should contact the merchants directly to dispute the charges. I attempted to contact merchants but none answered my calls. I have been a victim of identity theft two years ago and in fact still suffering from it. Please help me resolve this problem ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: OH

Complaint narrative:
I attempted to restore my excellent credit score with Experian and had no success. They showed on their report that I was delinquent on a gas bill that was not mine. I am a Jr. and the bill was in my late father 's name at his address in the house that I have not lived in since 1994 when I moved to XXXX XXXX, Ohio. I contacted XXXX XXXX XXXX XXXX and the collection agency to straighten things out. Currently my credit score has not been returned to the excellent status yet. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax, XXXX and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
had vehicle repaired around late XXXX didn't get my car back till about XX/XX/XXXX. was told they would reimburse me later ... at end of lease called Hyundai asked how much do I owe total ... I paid the amount that I was told paid over the phone .... I brought my car in on that Saturday they said they didn't have anyone to take car for that day could I bring it back that Monday I did that ... then I called about about my reimbursement ... I was informed that it was to late because vehicle was returned ... then I received a call stating I owed money for not buying another car from them ..I explained I was never informed about that ... and I had paid for everything in total and had already turned the car in ... .. I never was late or missed a payment ... they been messing my credit report ever since ...

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 2019-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX19 I paid XXXX XXXX {$2000.00}. Which paid the account in full. As of today on Experian the balance is still {$2000.00}. XXXX and XXXX XXXX have it corrected. experian has not.

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 2019-10-31 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: CA

Complaint narrative:
I asked Kohls for certain information which they did not provide to me the full " original contract '' I asked for and only sent me statements and a letter telling me that Capital One is the original creditor. I now have sent letter number 3 because they also failed to mark the item " Under Dispute '' within the 30 days are per the FCRA. They have marked late payment and Charge off on every recent months the account was closed and paid further damaging my credit and keeping me from opiating credit. My next step since they received the 3rd dispute letter XX/XX/XXXX is to go to court and seek damaging compensation for defamation ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, XXXX and Transunion are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, Experian and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.

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 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
ref to easy money i have been struggling to pay my bills and tried to go in on XX/XX/2019 XXXX brought XXXX dollars into the store at easy money in XXXX Al tried to make payment arrangements with them to pay XXXX a week until loan of XXXX dollars easy money is refusing my payment attempts easy money wants payment in full and won '' t take payments what i can afford to pay thanks easy money isn't so easy to work with and imformed me that they will be selling the debt off and will not let me work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: MO

Complaint narrative:
I have sent several attempts to request for method of verification for Chapter XXXX and Chapter XXXX Bankruptcies from Transunion and have been unsuccessful with their method they just keep sending me that it was verified. Attached is the letter of method of verification that I am requesting and would like all this information within 15 days. Also if these things are not verified that specifically asked in this letter this information has to be permanently deleted from my credit profile.

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 2019-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Accessed www.experian.com/boost as emperian advertises on television they can increase or " boost '' your/our credit rating. I accessed the emperian online offer and entered personal information, e.g., XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX and telephone number. Emperian required a username and password and entered XXXX and username XXXX. Emperian then showed our credit score based on he above entries and it had dropped nearly 100 points to XXXX. Called the telepone number for disputes and the denied allowing a dispute being filed. Here is the information they did provide ; Report Number : XXXX Date Generated : XX/XX/2019 then they offered CFPB assistance and I went through your process and filed this report. While there was no cost for Emperian to lower our credit score a hundred points it certainly is false or fraudulent advertising to see Emperian can " boost '' your credit score and the show a 100 point decrease. Any assistance the CFPB can provide will be appreciated. You should consider advertising a warning re. Emperian can increase your credit score when they did just the opposite. Thank you, 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 2019-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last month in XX/XX/XXXXI noticed that an account that was deleted in XX/XX/XXXXwas reinserted back onto my Experian report without any notification. By Federal law FCRA section 611 ( a ) ( 5 ) ( b ) Experian was supposed to notify me in writing not later than 5 days of reinsertion. They did not notify me at all. I sent Experian a letter stating that they are supposed to notify me and that they are in violation of Federal law. More than a month has gone by and they have yet to acknowledge this. I will provide past credit reports to show when it was reinserted. Thank you

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I just obtained my XXXX Visa Credit card from Barclay 's late last year ( XX/XX/XXXX ). I opened this card strictly for the reason that Barclay 's offered unlimited 4 % cash back on restaurants and bar purchases, as well as cell phone accidental protection when paying for your phone plan through the card, and another {$50.00} reward if you spend {$5000.00} per year with the card and have at least {$50.00} in online subscription purchases XXXX XXXX XXXX, XXXX, etc. ). Additionally, they offered a bonus cash back amount XXXX {$150.00}, I believe ) for spending {$500.00} or {$1000.00} within the first 3 months ( I can recall the exact amount ). 

I just received an email on Tuesday, XX/XX/XXXX, stating that the rewards program is being completely overhauled and none of these benefits as they currently exist will remain as of XXXX, XXXX. Even further, the rewards earned will only be redeemable as, " XXXX Cash, '' and no long cash back XXXX statement credit or direct deposit to my bank ) or in various gift cards. This is a complete bait and switch tactic and I would certainly be interested if there is anything the CFPB can do to help me. Thanks very much.

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