vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am an XXXX worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by Capital One Bank. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through Capital One Website ( application number : XXXX ) on XX/XX/2018. Capital One requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect.

I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with XXXX and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of Capital One credit card rejection/application on XXXX  Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting all obsolete student loans. I have attached the credit report with all of the obsolete loans displayed. I have requested for the old student loans that are too old to be in credit file to be deleted numerous times but yet the organization refuses to delete. I have attached a copy of my credit report with the obsolete student loans and again requesting for the immediate removal of the old loans. It seems they are re-aging. I have asked TransUnion to request opening of student loans and payment history of each which would support that all loans meet the criteria of being too old to be on file.

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 2019-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Lease vehicle payments Lease rental payments Utilities bills All want cash and wont show any deposits made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Received letter from Citigroup stating that they sent a check on overcharge on interest charged but that it had not been cashed So I contacted them and they said they would send a new check in four or five days A week later no check I contacted them a second time and they gave me a case number XXXX and they would contact me in 24 hours Nothing happend Four days later I contacted them and they were not responsive

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 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Apply for a loan and wait for months to say the lender got fired and not call me to let me know and I left several messages and emails

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In a previous dispute with XXXX XXXX XXXX. I petitioned Equifax for an incorrect derrogative in my credit reporting, the dispute was returned via USPS mail on XX/XX/XXXX that the debt was verified, but I was also asked to send my updated Credentials Address, Social Security #. In this same investigative letter I was informed that if I needed proof of original agreement that I would need to contact the creditor directly. In a letter written requesting validation to XXXX  of said debt I was told the debt was sold. My grounds for this complaint is the XXXX XXXX Opinion letter, written on XX/XX/XXXX by the UNITED STATES OF AMERICA FEDERAL TRADE COMMISION. I never recieved verification of the debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am an alien worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by XXXX XXXX XXXX. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through XXXX  XXXX Website ( application number : XXXX ) on XX/XX/2018. XXXX XXXX requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect. 
I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with TransUnion and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of XXXX  XXXX credit card rejection/application on TransUnion Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting an address that is not mine. I have disputed but they have yet to remove. This address XXXX XXXX XXXX XXXX, CT XXXX is reporting on my credit report and I have never lived there. Then there are 2 creditors listing as XXXX/XXXX, I have never had an account with this company. Then they are reporting XXXX-XXXX Inquiry : XX/XX/2018, I spoke to XXXX in regards to the fraudulent inquiry and they informed me that they requested for Equifax to delete the fraudulent inquiry but yet it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Apply for a loan and wait for months to say the lender got fired and not call me to let me know and I left several messages and emails

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 2019-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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 you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Several companies and credit card companies have kept old information on my credit report even though it has been well over 7 years since the debt occurred and the accounts were closed.

XXXX XXXX Credit Card opened on XX/XX/XXXX has been closed for years but is still showing on my credit report as owing {$1400.00}.

XXXX XXXX   opened XX/XX/XXXX has been closed for years and still is showing on my credit report as owing {$890.00}.

XXXX XXXX XXXX XXXX is showing 9 different accounts on my credit reports and open XX/XX/XXXX and closed over 7 years ago and still showing I owe {$1700.00}.

Ally Financial ( unpaid car loan ) was closed over 7 years ago but they keep sending the debt to new collection agencies and thus lowering my credit score and adding negative debt in the amount of {$23000.00}.

There is also fraudulent activity on my credit reports and I have filed police reports with the XXXX  NC Police Department and charges have been filed against the person responsible for the fraudulent activity and opening of accounts with my personal 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 2019-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This involves Paypal. On XX/XX/XXXX, I sent a payment on Paypal to the account XXXX. We mutually agreed on XXXX for an online ticket purchase. I purchased 4 tickets totaling {$120.00}. The XXXX account under the name XXXX XXXX did not send the tickets. I was scammed. The Paypal account with the email XXXX, is under the name XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13 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: PA

Complaint narrative:
I ask you for help with the agency Experian, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to Experian with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.

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 2019-01-13 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: PA

Complaint narrative:
I ask you for help with the agency XXXX, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to XXXX  with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX, EXPERIAN AND XXXX  HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.

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 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX, XXXX  AND TRANSUNION HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.

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 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
EQUIFAX, XXXX  AND XXXX HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing this message regarding all three credit bureaus they have not reported my accounts correct and they will not remove the fraudulent activity which happened a year ago also the credit garnisher has not reported my XXXX account that I have made good with payments on so far and they will not drop the fraudulent accounts that I have tried multiple attempts to get off such as XXXX   XXXX, XXXX XXXX and hopefully you can be able to help a crime such as fraud on your credit report can really screw life up for you hopefully we can get this resolved

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 2019-01-13 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed. 

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: AZ

Complaint narrative:
I have contacted Experian about removing a judgement from my credit file. I did this a year ago and have learned recently that it is still on my credit report. The judgement was dismissed in court and should not be on there. I have attached the appropriate document as proof.

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 2019-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/18 I sent Validation letters to the creditors listed below, followed the FTC instructions. 

After 30 days sent proof to XXXX XXXX  and Equifax, Only Equifax refuses to remove from credit file,,, " XXXX and XXXX Has Removed ''. 

I have followed the FTC guidelines, Equifax will not. 
. 
XXXX XXXX {$78.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$87.00} XXXX XXXX {$87.00} XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
After reviewing my current statement For XX/XX/2019 I noticed a marked increase in my monthly payment. I called the help number and after a 15 minute wait an operator with a lovely voice informed me that stock market was the reason for the raise in my rate. That was that. I requested that my rate be lowered since Charging 25 % interest on a purchase is pretty much Usury and illegal. I was assured that by the operator the rate was ok and that I could not negotiate a lower rate but that the company could definitely raise it. Surely this company ( paypal credit/synchrony ) must be stopped. I plan on closing my Paypal credit account today but someone has to make them aware of their misdeeds. The prime rate is currently only 5 %. You can not abuse your customers and stay in business.

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 2019-01-13 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: FL

Complaint narrative:
Disputed Inquiries with all three credit reporting agencies. Called XXXX XXXX  over 60 days ago they recognized as fraud through XXXX and sent Inquiry removal letter to myself and XXXX   XXXX, and Exquifax. I sent letter from XXXX to all three credit reporting agencies to have removed. Equifax only one Refusing to  remove after receiving letter from XXXX and myself. 

1. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
2. XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
3. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
4. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks 5.XXXX  XXXX  XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

Company response to consumer: Closed with explanation