vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A Capital One auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. Capital One updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX  report & showing closed delinquent with a 0 balance on myXXXX  report. As a result the errors have dramatically affected my overall credit scores as well as XXXX  scores related to auto financing. I have disputed the errors & requested updates from both XXXX XXXX XXXX but nothing has changed or been removed. The errors on the XXXX  report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX  blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the information & XXXX  updated most of the information correctly ( with the exception of status being delinquent instead of current ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
This loan was taken out due to fraud. Check my banking accounts I never got the loan deposited it my social security number was stolen and Ive had XXXX cases of fraud. This company is trying to turn this loan over to collections but it was never my loan to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TN

Complaint narrative:
I WAS LOOKING TO BUY A NEW HOUSE THE BANK LENDER INFORM ME THAT I HAD SOME ACCOUNTS THAT WAS NEGATIVE I KNEW THAT I DID NOT. WHEN I CHECK MY CREDIT REPORT I SEEN THAT ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE THESE ACCOUNTS NEED TO BE CLOSE AND REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX disputed several inaccurate items on my LexisNexis Disclosure Disclosure file. One item in particular stood out in the XXXX XXXX XXXX by a business named XXXX XXXX. The name also associated with this business did not associate with me as well. These items were disputed with the Consumer Financial Protection Bureau as well. LexisNexis said in the response letter to myself and the Consumer Financial Protection Bureau that the item in question which is XXXX MARKETING was in fact removed from my credit file but upon reviewing an up to date LexisNexis Credit Report dated on XX/XX/XXXX LexisNexis has committed a reinsertion violation by re-inserting XXXX  MARKETING back onto my file. They not only re-inserted the derogatory item back on my file, but they did not notify me in writing within XXXX business days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( CAPSTONE CREDIT & COLL ) name and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute to credit bureau about a collection ( XXXX ) and I have not received a response back or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute to credit bureau about a collection ( XXXX ) and I have not received a response back or any results.

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 2021-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/2021 CAPITAL ONE BANK USA NA XX/XX/2021 CAPITAL ONE BANK USA NA  XX/XX/2021 XXXX  XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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:
I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( ONLINE COLLECTIONS ) and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, Santander said he was unable to finance on his own and refused to assist me. I assisted Santander in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due 180 days then 120 days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX law to assist me with this issue. Santander is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my ex-husbands credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX have sent me a letter from XXXX that they say the debt is mine and when the last payment was I did not make the payment in the letter they claim XXXX XXXX XXXX  have deleted this debt It's fraud not me thwu don't have my Id or a signature of me signing for the debt or a contract on any of the sales on this debt because it's fraud Also this debt is passed statue of limitations The proof is in the upload documents The letter from XXXX  that states a payment I didn't make it and.its passed statue of limitations

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 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: SC

Complaint narrative:
I have tried to contact Pro Collect ( the collection agency XXXX multiple times trying to dispute the charges and every time I get shut down and/or hung up on. The most recent point of contact with them was yesterday around XXXX EST. I have also submitted two separate XXXX  dispute forms on their website trying to dispute the charges that are trying to be collected. I used to live at an apartment complex called XXXX XXXX  XXXX  in XXXX Florida back in XXXX- the summer of 2019. I was being threatened with my life by the residents that lived underneath me because I witnessed the boyfriend XXXX his girlfriend and called the cops on him. Him and his buddy left a bullet at my doorstep facing upward and I got the cops involved and ( stupidly ) gave the bullet to XXXX the manager at XXXX XXXX. I also found mold up in the ceiling vent of the bathroom and all they did to fix it was ( without my permission ) had a XXXX XXXX with track marks come into my apartment without me being there and he put some duck tape over it. it ended up falling out of the ceiling when I went to go get in the shower one day. I went to the manager at the time named XXXX and she advised me explicitly that my lease would be terminated immediately and I wouldnt owe any additional charges past the rent that I had already paid for that month. Unfortunately I should have gotten that in writing as I have lost the email sent back and forth between us over 2 years ago. Then about 7 months later after Im already living in another apartment complex I get a call from a random collection agency called " Pro Collect '' stating that I owe them just shy of {$700.00}. I was charged for a full months rent due to the fact that I terminating my lease early even though I was explicitly told by the property manager at the leasing office that that wasnt going to happen. I contacted shore house apartments multiple times and was told " XXXX is out unfortunately you'll have to call back tomorrow '' and then eventually they just started telling me " XXXX is on XXXX leave for the rest of the year. '' Then I waited for about 5-6 months and tried contacting them Again and was told " We will have someone from our finance department reach out to you ''. That never happened. I really don't know what else to do and I really need to get this off of my credit report please help me it's been years since it has hit my 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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX ) and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX ) and have not received a response back or any results

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 2021-04-04 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( I.C. SYSTEM, INC ) and have not received a response back or any results

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 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2021, an unauthorized debit of {$290.00} was debited to my Bank of the West checking account. I didn't have any knowledge of the unauthorized debit and I didn't receive any benefit from the unauthorized debit either. So I reported it to my bank and they provided me with the provisional credit of {$290.00} to my personal checking account on XX/XX/2021. However, on XX/XX/2021, my bank notified me of the credit reversal with the conclusion that there was no error. Subsequently, on XX/XX/2021, my bank debited the provisional credit from my checking account. I completely disagree to their conclusion and I would need to get protection from the Regulation E.

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 2021-04-04 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 to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) name and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX XXXX name and have not received a response back or any results

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 2021-04-04 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: CA

Complaint narrative:
I received a copy of my Trans Union credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Trans Union or XXXX XXXX. I advised Trans Union that this account is in litigation and that it needed to be removed. Trans Union removed the account and XXXXdays later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account 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 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I opened an AMEX XXXX XXXX XXXX  credit card because they gave me an offer which included {$300.00} welcome bonus by XXXX XXXX. After I finished the shopping amount which they required me by using this card, they refused to give me this bonus, the reason is I had another welcome bonus before by a different AMEX credit card. 

I am very confused. This is my first time to have an AMEX XXXX XXXX XXXX credit card and did not get any welcome bonus from their same type of credit card. Once I asked their customer service agent, who named XXXX XXXX worker no : XXXX likely ) told me I would get this bonus, but actually not. At last, when I asked their customer service again, they told me I am not qualified to get this bonus. 

I think they treat me unfair, because they promised me the {$300.00} welcome bonus while sending me the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my Experian credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Experian or XXXX XXXX. I advised Experian that this account is in litigation and that it needed to be removed. Experian removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account 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 2021-04-04 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: TX

Complaint narrative:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was 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