vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reported identity theft to Experian. I sent them a police report identifying the XXXX XXXX XXXX account, and the other supporting documents that they require. Experian has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than 30 days ago. 

The XXXX account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {$4500.00} on it. I have also provided the police report and my statement to XXXX about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within 4 days. 

It is becoming a common problem that Experian refuses to follow the law, and they are acting to harm consumers knowingly and willingly. XXXX is also particularly bad at following the law and removing fraudulent accounts.

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 2019-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a Capital One Venture Card via capitalone.com and was approved instantly. The card was advertised as carrying an annual fee of {$95.00} but waived for the first year. I took sceenshots when I applied and even after I was charged the annual fee upon the card activation, since the annual fee disclosure was still on the application page. When I called the customer service to complain and tried to get the annual fee waived, I was told that the annual fee was " just advertisement '' and there was " no option to do anything ''. I wonder whether this is a violation of the Truth in Lending Act? How can a credit card company use unambiguous words like " {$0.00} intro for the first year, {$95.00} after that '' and then still charge full annual fee for the first year?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This issue concerns a XXXX XXXX credit card that gets fairly infrequent use. After paying off the account balance inXX/XX/XXXXXX/XX/XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XX/XX/XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, XXXX reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ).

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which  absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on XXXX for allowing their card servicer to behave in such a customer-hostile manner.

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 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: AR

Complaint narrative:
I filed a complaint CFPB against this company on XX/XX/19 and the company responded admitting that they had no relationship with me!! Therefore, I should not be held accountable for an unknown, unauthorized, unverifiable or non- validated account that does not belong to me. The amount has Severely damaged my credit from each of the major bureaus. Its only fair to correct this due to the inconsistency on the behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Sapphire Preferred card includes a roadside assistance benefit. I had an auto breakdown on XX/XX/11 and sought to use this benefit but was denied. 

The breakdown occurred outside of cell phone service. I had to hike to a yellow box emergency phone operated by the California Highway Patrol. The emergency phone was able to connect me to a tow company but could not connect me to Chase customer service to notify them that I was accessing the benefit. 

I paid the tow company {$360.00} out-of-pocket ( charged to the card ) with the expectation that I would be able to file for at least a partial reimbursement of the cost. When I contacted Chase to do this, they informed me that the benefit only applies if you contact Chase in advance of the tow. This was not possible in my situation. 

Chase does not qualify the benefit language by specifying that the benefit only applies when a car is traveling in an area where cell phone service or a pay phone is available. 

I called Chase and spent an hour on the phone trying to resolve this. In the end, however, they bewilderingly instructed me to contact the towing company for a reimbursement. The towing company does not owe me anything and is under no obligation to reimburse. Chase, however, is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I have reported identity theft to XXXX. I sent them a police report identifying the Discover credit card account, and the other supporting documents that they require. XXXX has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than XXXX days ago. 

The Discover account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {XXXX} on it. I have also provided the police report and my statement to Discover about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within XXXX days. 

It is becoming a common problem that XXXX refuses to follow the law, and they are acting to harm consumers knowingly and willingly. Discover is also particularly bad at following the law and removing fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My current XXXX shows on XX/XX/2019 is XXXX, which is 22 lower than last month ( XXXX ) score of XXXX ; I always get my FICO monthly provided to me by my bank. 

Please correct or advise me as needed, since even though I just check the current Annual Credit Report and none of the negative impacts or any recent hard inquiry was shown in that report. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: DC

Complaint narrative:
I've filed four complaints with equifax, in the past 3 months, regarding the same set of issues. I am never able to access the results of my disputes online, despite getting emails telling me the results are ready and available. The error message is usually that they need to verify my identity ... .so I call in to verify and have to talk to someone overseas that I can not understand and that I am not comfortable giving my SSN or other information to. Today, I was finally able to verify my identity on their website only to get another error message after I clicked on the links to get the results. I called in to ask that they just mail me hard copies, since their website NEVER works, and had to speak to someone overseas ... .who would not listen to me and talked while I talked. The verification questions he asked were extremely vague ( " have you had a bank loan, student loan, or car loan and, if so, who was the lender and what was the monthly payment '' ... .i 've had all of those so i'm not sure if this was a trick question or what .... ). I asked to be transferred to someone in the US, which I was, but unclear as to why I have to go through rounds and rounds of questions ( after I provided the dispute confirmation numbers ... ) when all I need is this information mailed to me ( to the mailing address on file ). This company is beyond antiquated and it's HORRIFYING that they control my credit report. No wonder I've had to open so many disputes ( and no wonder the information never gets updated, despite my confirmation from the credit card companies that they've corrected their reporting .... )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
On XXXX at XXXX XXXX. I purchased a XXXX XXXX XXXX XXXX with a balance of {$200.00} as a gift for my daughters 13th birthday ; then at XXXX XXXX. an online transaction in the amount of XXXX was charged to said card at " XXXX '' a website neither myself nor my daughter have ever heard of or would have a need to use. Upon finding this I went to the website to see what it was, had my daughter enter her email ( as it's her card ) it then came back and said no user account found ( which we knew because she didn't male the purchase ) I took a screenshot, sent an email to the retailer for suspicion of fraud and proceeded to call the customer service number on the card, except they literally couldn't provide me with any info.. Told me the card was registered to a zip code after purchase ; except immediately after my daughter and I went to thr park and she then stayed there while I went to work, not getting home until like 8 p.m. yet the card was already used before she even got home and got the opportunity to use it on herself as intended.. I was informed I had to wait for the transaction to be approved prior to filing a dispute which is ridiculous, I told them it was fraud and it should have been stopped!! So I called back this morning and initiated the dispute ; I was then told I need to wait up to 3 days to receive dispute paperwork and proceed by sending in my personal identification info, copy of reciept and card etc.. I did some research and found that this company is NOTORIOUS for this issue and having gift card funds stolen and often dispute paperwork never comes, and that it's typically a run around game till people get frustrated and just give up.. I can see that as I don't feel I was helped at ANY CAPACITY by them and now have to wait up to 90 days??? So my kid gets ripped off for her birthday gift, has to wait up to 3 months for resolution that according to reviews will likely never come!! Why is it that they're are so many reports of this EXACT SAME outcome after purchase with this company and so many unresolved disputes yet no investigation, security measures to protect consumers or any type of even attempted resolution to the situation!! I am so frustrated and angry and their customer service is a joke ; please help me resolve this an undo the theft of my childs birthday gift!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 I received an email alert from Experian advising me that my email address has been changed. I immediately called Experian and have been unsuccessful with speaking to a Representative. I've made numerous attempts and three via email in writing after unsuccessful attempts by phone. I followed the instructions in the email provided by Experian on XX/XX/2019 and replied to the email on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Experian has allowed someone else access and full control of my credit report. I attempted to logon and an email address ending with domain XXXX has access. I have never had a XXXX  email and never authorized my email to be changed. 

I already have fraud alerts on my credit report and my credit has been compromised from the XXXX data breach and this is the reason Experian allowed me free credit monitoring. My credit is now in full control of a third and it has been compromised and I'm curretnly disputing accounts that is not 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 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
THROUGH OUT THE YEARS COLLECTION AGENCIES CONTINUE TO PUT THIS IN MY REPORT AND THEY TAKE IT OUT HERE IT IS AGAIN PLEASE FINE THIS COMPANY FOR FALSE INFORMATION XXXX XXXXTO : FCRA ALL and CFPB CSS COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX This company has violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

XX/XX/XXXX Attention : CSS COLLECTION XXXX XXXX XXXX XXXX, MA XXXX I am requesting a validation of CCS XXXX XXXX due to this company has been inserted in my credit file once again. This entity has been removed serval times please request a validation for the 3rd time. I ask that you remove XXXX XXXX from my report. 
Remove your derogatory remark from my credit report. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: CT

Complaint narrative:
REF TO XXXX AND EXPERIAN : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX XXXX {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance XXXX Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, NY XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and Experian and XXXX do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. XXXX and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : 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 2019-07-14 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:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: CT

Complaint narrative:
REF TO EQUIFAX AND XXXX : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York XXXX Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, XXXX XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and XXXX and Equifax do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. Equifax and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX. 
XXXX Driver LIC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: FL

Complaint narrative:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 XX/XX/2019

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