vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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: CA

Complaint narrative:
I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with equifax, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please  be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX XXXX  6. XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: GA

Complaint narrative:
I have disputed the student loan account with Equifax 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. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It is the very tricky fraud Capital One uses to deceive its clients and I want to report it. 

I opened a credit card in XXXX, XXXX XXXX, and received 0 % introductory APR for 9 months. 
My 0 % introductory APR expired on XX/XX/XXXX and my billing cycle also closed on XXXX  of every month. 

I have XXXX in XXXX and I saw a very dubious situation - what happens if I pay my balance in full after XX/XX/XXXX. I called to capital one and asked this question and I received an unambiguous answer : they told me that I would get my statement for XXXX XXXX exactly on XX/XX/XXXX and if I pay it in full during a grace period they would not charge any interest. 

They record all calls I believe. 
I had XXXX balance, I paid in full on XX/XX/XXXX. Today I got my next statement and it shows interest only since I had no charges. 

I am in-furious. I called them and reported this fraud, they said they are willing to write off this interest, but I am mad because of this practice - they lie to their clients. 

They charged the interest, and a supervisor tried to explain me that I should have closed my balance before the expiration of the intro APR to avoid the interest charge, but when I insisted he would listen my previous call to the bank, he put me on silence, and when he returned back he wrote off interest rate. 

I complained that I have no tolerance for that but they do not care. 

They also do another nasty thing - they do not report the date of 0 % APR expiration on statements, you never know when it expires. you only see it online, but not on PDF statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the student loan account with Transunion 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

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 2019-08-07 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: GA

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 ( Original Creditor : 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 2019-08-07 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: NY

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: GA

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

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off 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 2019-08-07 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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: NY

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off 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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX, XXXX, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late on XXXX and XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : 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
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX  XXXX  and 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 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
why are XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reporting late 60, 90 days late on XX/XX/XXXX and XX/XX/XXXX?  Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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 2019-08-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late onXX/XX/XXXX and XX/XX/XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I noticed that my credit score had dropped a few points recently on the credit monitoring site that I use. I looked into it and saw that it was a result of a collection against me originally from XXXX for {$29.00} issued in XX/XX/2019. I had not received anything in the mail about this, and I did not know where this debt came from. I did use XXXX services 2 years ago, but I canceled my account when I moved back home. I do not owe them any money. I do not know how to dispute this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: NY

Complaint narrative:
Take note that I did not sign up for an account with XXXX XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove 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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX  XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX  XXXX/XXXX  6. XXXX 7. XXXX {$1900.00} XXXX Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-08-07 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: CA

Complaint narrative:
I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, experian, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX 6.  XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-08-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX BXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my Equifax, XXXX and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

Company response to consumer: Closed with explanation