vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with 08 CAPITAL ONE BANK USA N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 08 CAPITAL ONE BANK USA N A with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have been a Comenity Bank customer for a few years and I hold a store card for XXXX women 's clothing store. Recently on XX/XX/XXXX, I received a letter from Comenity stating that they had decreased my credit limit by {$100.00}. The reason cited was that my credit score has gone down recently. Although I have not had any issues with Comenity Bank itself in my account ... I have been paying off my account steadily over the past year, so I don't understand why Comenity will run a credit check randomly and then decide because of my other credit accounts, which have absolutely nothing to do with my already established store account with Comenity, that my credit will be decreased. I am filing a complaint with the CFPB because I did not receive an advance notice that my credit limit will be decreased and I was not able to pay the amount down in time so that my current balance will be under the credit limit. 

As a result, I fear that Comenity Bank will use that minimal amount that is over the credit limit to then charge me over limit fees and then report my " over usage '' to the credit bureaus to cause a decline in my credit score. 

The same day that I received the notification letter is the same day that my store credit limit was decreased. I feel that this is a very shady business practice and I would hate for this to happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has numerous inaccuracies on my report In which the demand I verify the inaccurate information and now they have my complete credit profile block so I cant submit a dispute. They are also falsifying the valIdation process for debt on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: NY

Complaint narrative:
After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: OH

Complaint narrative:
I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 2020-08-10 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:
This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. )  The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: OH

Complaint narrative:
I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information  under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: OH

Complaint narrative:
I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 2020-08-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a loan with XXXX XXXX XXXX and SYNCB/CARE CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and SYNCB/CARE CREDIT with no successful resolution. There was definitely an error on their part.

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 2020-08-10 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:
This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: OH

Complaint narrative:
I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third  partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 2020-08-10 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: OH

Complaint narrative:
I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXXXXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
Im being denied credit due to equifaxs denying access to my credit file for credit reference. Ive written them and asked them to remove the fraud alert and they have not. Id like the fraud alert removed ASAP. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
A fraudulent credit card was opened in my name and shows on my credit report. I have tried contacting the credit card company : Barrclays and was on the phone for over 1.5 hours and never was able to get through to talk to anyone as their lines were busy. I have made several reports and still no help. 
Barclays XXXX XXXX XXXX DE XXXX Ph : XXXX THIS IS NOT MY ACCOUNT and is stolen identity or fraudulent : I can not spend countless hours trying to reach them as they do not answer a phone and their web page is impossible to navigate.

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 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is listed on my Trans Union Credit Report under- SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION : SUPPLEMENTAL CONSUMER CREDIT INFORMATION ; referencing a Mortgage that was actually in my ex-husbands name/promissory note. They requested information XX/XX/XXXX and that house was foreclosed on and sold. My ex-husband filed bankruptcy after the fact. I have a copy of the promissory note he signed for the mortgage and I would like to have it removed from my credit report. XX/XX/XXXX was when I first came across this information and as of today it is still 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 non-monetary relief