vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX. added debt to my credit report in the amount {$1100.00}. This is not my debt. I have current open account with same company in GOOD standing at {$0.00} balance. I do not know where this other account came from. I have disputed and spoke to customer agents also have sent out a letter regarding matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. Navient Refuses to rectify the situation my student loans should not be reporting late.

Navient has a history of not following proper procedures and has also been sued numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.

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 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been the victim of identity fraud and my personal and financial information was compromised. There have been a series of unauthorized charges on my credit cards and withdrawals from my bank accounts in the form of cash advances that I am still trying to remedy. I have filed a report with the local authorities and FTC, am receiving support from XXXX XXXX XXXX, initiated credit freezes and have tried laboriously to reach resolution on the claims with each of my financial institutions. My Bank of America credit card still shows a balance of XXXX {$40000.00}, the majority of which is all fraudulent activity that has not been taken off. Bank of America mistakenly denied my claim because of errors inputted into their systems and incorrect / missing information to actually submit the claim. I have called the banks numerous times on a daily basis to get this resolved to little or no success. XXXX XXXX still shows excessive balances as well that have not been corrected. This has caused extreme impacts to my XXXX XXXX and XXXX XXXX   and I have not been able to support myself given the amount of this activity and the corresponding fees from each fraudulent charge.

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 monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have 2 capital one credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Friday XX/XX/XXXX, I deposited my paycheck at an ATM - I noticed it was taking a long time to clear so I called the bank one week later on  XX/XX/XXXX, and spoke with their representative XXXX who told me they could not verify the check so they have placed an extended hold on the check and that it will not be available until XXXX XXXX  on XX/XX/XXXX! Which is 12 days ( or 8 business days if you account for weekends ) - I am just trying to pay my bills- so I asked my boss Mr XXXX and he checked and found out Santander bank my bank received the funds on XXXX XXXX so I believe XXXX misrepresented this information to me, lied if you will. Then I received a written notice from Santander yesterday in mail that again said they could not verify the check! And that they will release the funds in 6 days. - I have a pending complaint against Santander with your organization and I am concerned they may be retaliating against me- apparently during the rather unpleasant conversation I had with XXXX urging which she advised me if I was not able to give her the copious verification information which she asked for I could go to the branch bank ( she is aware that the branch banks are closed for covid! ) then apparently she added 2 days to the time that the check was scheduled to be cleared ( 6 business days ) j have kept my written notice of the 6 days and my previous complaint is # 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 2020-10-19 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: CA

Complaint narrative:
Dear CFPB, I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the Collection 2. Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3. Delete this account, because it shows a Past Due Amount {$740.00} and a Charge Off/Close Collection Account must show {$0.00} Past Due.

4. Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 5. Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 6. Delete this account, because it shows payment history N negative on a collection account in XXXX and XXXX. 

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-19 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: OH

Complaint narrative:
On XXXX I submitted a dispute with XXXX  and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, Transunion, XXXX   to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.

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 2020-10-19 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: OH

Complaint narrative:
On XXXX I submitted a dispute with XXXX  and Equifax to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, XXXX, Equifax to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
XXXX is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. XXXX  Refuses to rectify the situation my student loans should not be reporting late. 

XXXX has a history of not following proper procedures and has also been sued numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
XXXX is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. XXXX  Refuses to rectify the situation my student loans should not be reporting late. 

XXXX has a history of not following proper procedures and has also been sued numerous times.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have 2 XXXX XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have 2 XXXX XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.

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 2020-10-19 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: CA

Complaint narrative:
Dear CFPB, I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the XXXX 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 4.Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Account  name XXXX XXXX, and on a different report shows XXXX XXXX XXXX Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )
Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have 2 XXXX  XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Nationwide Credit & Collection is reporting a negative unverified account on my credit report. Nationwide Credit & Collection failed to respond to my debt validation letter sent on XX/XX/2020. ( please see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
Good Evening, For the past several months I have reached out to Equifax in reference to an unverified account being reported on my credit report. I have reached out to Equifax via certified mail on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have requested this collection to be deleted on several occasions due to inaccuracies. This account has not been able to be verified and they have not sent the documents they claim to have used to verify such account, even after my several written requests. My rights are being violated by Equifax for failure to do a thorough investigation upon my request and ignoring my requests of providing me with the documents they are using to verify. I disputed with XXXX  and XXXX  as well and they were unable to verify the account therefor it was deleted. In addition, Equifax is reporting inaccurate information on the account. It is reporting past due balance and 120 days late payment history which makes no sense on a closed collection account. This error is causing me money and great stress as it is affecting my credit worthiness. I am requesting Equifax to delete this account immediately due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.

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 2020-10-19 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: CA

Complaint narrative:
Dear CFPB, I notice inaccurate information reported by EXPERIAN regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

EXPERIAN violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX XXXX. Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EXPERIAN Credit Report and circled the violations, EXPERIAN violated in red color. 

EXPERIAN must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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