vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Compliance Officer ; I was going through my credit report in the last week or so and noticed something on my credit report that doesn't seemed right. I noticed that there was a account opened on my name early this year ( XX/XX/2019 ) with a balance of over $ 400+ for something I never applied or used the account for. 

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract, application, the agreement used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report & found late payment on the date below : XXXX 2019/30 days late???. I spent countless of hours on the phone with several representatives in regards to this error. I am not sure how this happened, I believe that I had made my payments automatically or when it was due. My only thought is that my monthly statement did not get to me. And also I been charged " cash advance fees '' for the type of transaction I was not aware of doing and your representatives mentioned that my interest rate spike to 27 % because of that. That's ridiculous and I wasn't aware. 

But what threw me off yesterday is that when the call was transferred to the Supervisor XXXX, she kept repeating an account number that doesn't belong to me. I had to tell her several times that she has a wrong account to a point that she confess and apologize that the previous Rep that was reviewing the wrong account with her. How can you guys mix my information with other individuals and especially after the breach you guys just had. This is really troubling me how my files are being held by your company. 

But again, I thought this whole time I had automatic payment and thinking that the statement would be mailed to me ... .It seems like the automatic payments are getting deleted somehow, which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This company Resurgent Capital Services which i have NO CONTRACT with is Reporting on my credit reports fraudulently. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX {$3500.00} Deposited Cashier Check into Navy Federal Credit Union Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} XXXX Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via XXXX for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. 
You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed XXXX provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. I called XXXX to stop the payments as it was pending couldnt do that called the bank to stop the payment that stated was already sent and nothing could be done until posted to dispute. Well I did the dispute and of course the bank declined it stating I sent the funds to the person. Even after explaining the situation, trying to get ahead of it, providing attachments of the ad and text conversation with the buyer it wasnt enough. I thought the bank was to protect me! Yes I sent the money but that was done because the check cleared an posted, i didnt know the funds would be available even though the check was not verified, why did the bank clear the check if it hasnt been validated? The bank misconception couldve avoided this. 

I will never use XXXX again, its like the intentions is to support the ones who are running these scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: GA

Complaint narrative:
Experian reports duplicate accounts reported by collection agency XXXX XXXX XXXX   XXXX. 
See complaint XXXX. 
XXXX has submitted duplicate accounts admits they are duplicates and refuses to correct the information. 
Please correct 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 non-monetary relief
Consumer complaint received 2019-08-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My equifax account is reporting my car loan as closed when has been open since XX/XX/2015. I have disputed 7 times, called the creditor who agrees with me and states they are not reporting it as closed, and Equifax keeps " investigating '' then closing the investigation without fixing that account. My Equifax score is 100 points lower than my XXXX and XXXX scores because of this mistake. I have called Equifax and they don't understand the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 XXXXXXXX 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 2019-08-01 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2019-08-01 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: OR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XX/XX/XXXX is the day I changed my bank account information to a different one .changed my account info because I now share the account with my grandma she receives her social security in this account and they took HER money without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

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 2019-08-01 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: CA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

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 2019-08-01 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: AL

Complaint narrative:
I have disputed the student loan account with XXXX   for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX , USDOE/XXXX XXXX, USDOE/XXXX XXXX, DPT ED/XXXX XXXX and DPT ED/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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This company did not verify debt, They put the report on my credit and wiil not remove or give me paperwork to verify that they own the 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 2019-08-01 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: AL

Complaint narrative:
According to the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
this compnay sent me information to verify debt and it si on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-08-01 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: HI

Complaint narrative:
What is this so much inaccuracy on my credit report? 120 days late for each month? what is that? 30 days each month and its 120 days late? Ridiculous. This status is false and incorrect! CFPB step up and remove the 120 days late on 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 2019-08-01 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was listed as an Authorized User on a Sync Bank/Sams Club Master Card. It is showing up on my credit report and is preventing me from refinancing my home due to divorce. This card is in my wife 's name and under her SS #. I want it removed from my report. 
I have contacted XXXX to resolve this matter. ( XX/XX/31 ) They are filing a dispute but they also say that only the primary card holder can have me removed. 
Please help. 
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 2019-08-01 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: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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