vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to Experian showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with Experian. In accordance with Federal Regulations ( FCRA section 609e, 611, 623 ) Experian should have investigated and provided factually supported evidence and appropriate documentation or removed these items from my credit report within a reasonable time of 30 days. In further violations of FCRA, Experian also failed to post disputed consumer remarks in the comments section of these accounts. 

Despite having sent two additional certified letters to Experian since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by Experian has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted 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 2021-07-07 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: TN

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Service Bureau
State: FL

Complaint narrative:
for the second day in a row ive gotten someone calling me 12 to 13 times back to back within the same minute. they first did it yesterday on an unknown number and then did it again today with exact same number of calls leading me to believe the unknown number was them as well. they sent an email about the debt, i responded saying to stop contacting me via email and phone but these calls are persisting.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I applied for and was approved for a XXXX credit card from Capital One Bank NA with a limit of {$10000.00}. I already had a preexisting account with Capital One. In XXXX of 2021, I received not one but two XXXX credit cards in the mail. The cards had different card numbers. I was only able to activate one of the two cards, which had a limit of only {$1000.00} compared to the {$10000.00} for which I was approved. 

When I called Capital One, the card services department verified that both cards that I received were valid, that one had a limit of {$1000.00} and the other had a limit of {$10000.00}, but that these two cards were not associated with the same account. Then, without my consent, they deactivated the card with the {$10000.00} limit. I asked to have the credit limit on the card associated with my account increased, but my application was rejected. 

My credit score has been impacted by the appearance of two hard queries when there should have only been one. It was further damaged by the appearance of two new lines. Finally, Capital One damaged my credit score by reducing the amount of available credit by {$10000.00} when I did not request the line to be closed. My own credit was damaged due to poor customer service and operational controls at Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX I was contacted by a debt collection agency about a JPMorganChaseBank card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc
State: IA

Complaint narrative:
I already tried confronting Chime directly myself. After dealing with their people 3 times, I've already ordered a new pay card from my own work and cancelled everything having to do with them. They are a scam set up to rob as many victims as possible trying to keep them unaware. I've had a total of XXXX dollars be wrongfully taken from my account, which left me unable to spend my own money. I don't make a lot of money as is and everytime I looked for answers as to where the money went, I always ended up feeling hopeless. Their scam is within the terms of their credit card. I read to terms front to back and their entire app never mentions exact details outlining how the credit card will work. It's set up to be as confusing as possible. However, when the funds automated too transfer from your debit to your credit, surely your credit limit will not exceed XXXX dollars. I'm so very displeased with their service and am telling anyone and everyone how much chime is into extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TN

Complaint narrative:
Since XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX investigation has only been updated but no documentation or proof of Method of verification has not been verified. XXXX XXXX XXXX has been re-aged and this is a direct violation of the FCRA and the bureaus are not removing this inaccurate erroneous accounts from the credit profile. I would like these accounts to be removed immediately. Attached are the disputes that were sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am stating that XXXX, XXXX, XXXX, and Equifax have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, Equifax, and XXXX are reporting should not be on my consumer report ; pursuant to XXXX5 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, XXXX, and Equifax to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: VA

Complaint narrative:
I am stating that XXXX, XXXX, Experian, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, XXXX, and Experian are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX  through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, Experian, and XXXX to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA 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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: NY

Complaint narrative:
I was contacted by a debt collection agency : Capital Link Management re an account with XXXX in the amount of {$2800.00} ref # XXXX. The original creditor was listed as XXXX acct # XXXX. 

The name on the reference letter sent to me re this debt was XXXX XXXX, XXXX XXXX XXXX, XXXX, NH. This is not me and I have no knowledge of this account. I was told to check my credit report which I did and saw no listing of this debt. 

The debt was reportedly related to a lease for a XXXX XXXX opened on XX/XX/2018. 

The collection agency has my ss # and birthdate. I don't know how or why they have this information. 

I called XXXX and was referred to this link. 

I would like to stop calls to me, my wife and my daughter re this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21 I sent a dispute letter to Experian with the tracking number XXXX. USPS records show that on XX/XX/21 Experian accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. Experian has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with Experian. Experian willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent Experian a follow-up letter dated XX/XX/21, with the tracking number XXXX. USPS records show that Experian accepted my letter on XX/XX/21. In my second letter to Experian, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe Experian is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. Experian is being unfair and hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this complaint.

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 2021-07-07 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: TX

Complaint narrative:
Experian lowered my credit score in XX/XX/2021 by XXXX points from XXXX to XXXX. I understand minor 1 point fluctuations up and down over time. 
XXXX  currently has my score at XXXX as of XX/XX/2021. 
Contacting customer support at Experian resulting in the customer service agent saying " they don't calculate the score '' " we use different metric than everyone else '' " you have $ XXXX plus on credit cards right now, that could lower it '' Facts. 
XXXX has {$1100.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card {$10000.00} XXXX has {$1600.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card is {$19000.00} XXXX XXXX XXXX XXXX - 73 % complete, {$29000.00} left on a {$100000.00} loan, payment history rated by Experian as " exceptional '' No other debt. 

Yet Experian can not explain a XXXX point drop out of the blue. Their customer service via online chat and over the phone can not answer a simple question or tell me how to resolve it. " why did it drop XXXX points '' Experian 's answer? " We don't know, it just did. ''

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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