vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TX

Complaint narrative:
Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc 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
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Quall Cardot LLP
State: CA

Complaint narrative:
On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. 
Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-25 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: TX

Complaint narrative:
Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was told by Wells Fargo bank that they would change this inquiry to a soft inquiry but they havent, because it is still showing on my credit report and it is affecting my credit score.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I just started a new job. I requested a card for payroll. I did receive one but today when I checked my mail I noticed that my mail had been opened and the card is not attached to the paper like it should be. So someone obviously took it the mail was ripped open and now I have to worry about someone trying to take my identity. I'm appalled right now. I would really appreciate it if someone could please call me and try to figure out what's going on who's doing this. And why it's happening to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-25 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX sc XXXX on XX/XX/XXXX. I went for an oil change but decided to trade in my car instead. I told the salespeople what I was looking for ( a bigger car and to lower my current loan ) I got both, but here 's the issue. During the sale, they kept showing me the price for the car, fees, etc. They never personally talked about or went into detail with the single paper of the final price ( including the APR ) the process at the end was being rushed. I ended up trading my XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles for a XXXX XXXX with XXXX miles. I was expecting at least XXXX off my current loan. ( Oh and the salesperson XXXX guaranteed me at least XXXX for my car ) I got XXXX. His excuses was " I was thinking of a different model '' I went back before 24hrs looking to see if I could get a different vehicle, they told me they couldn't do anything because the paperwork was already filed with the bank. I called the bank and when I was asked to enter my ssn it wasn't on file. I understand I should of read my contract but I feel I was being misled through the whole process. I only got XXXX off my old loan with a vehicle with more than 2x more mileage!

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 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im not 2sure Wht the fraud was but I do know most of Wht they though was my doin wasnt but there is still fraud on account tht they continue 2remain on account & I believe tht they should b off credit report as Im not doin anything 2fix the prob xcept dispute it. I need help fixing my credit report Wht can b done 2do tht?? Thanx

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 2019-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC
State: GA

Complaint narrative:
XXXX and XXXX are two of the most incompetent duo in the mortgage industry. they totally botched my loan and caused me to loose my property, Ernest money and my appraisal fee. the easiest part of doing a loan is supplying a customer with a preapproval letter, XXXX miscalculate my income and gave me a preapproval letter and for 4 months XXXX never checked behind him to verify that his work was accurate. so in the mean time im looking for properties and putting down Ernest money. when i found the property i wanted they had me pay for an appraisal and set up several closing dates with my realtor and attorney only to come back and say that due to there mistake and there error that we could not do the loan. i supplied them with all my financial information in the beginning, so there was no change in in my finances to warrant me not getting this loan other than there miscalculation and negligence. even after XXXX admitted to it being there error, he would not refund my appraisal fee or my earnest money. these are some shady and elusive characters, and i was suppose to by law receive a letter from them telling me why my loan was denied and i have never received that due to the fact that it was due to the negligence and they dont want that in writing

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that XXXX XXXX was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX  and XXXX as XXXX XXXX XXXX XXXX XXXX and reported to TransUnion as XXXX XXXX XXXX XXXX XXXX. It was discussed with the local branch in XXXX, XXXX, which pushed it to XXXX XXXX Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the XXXX XXXX XXXX of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is XXXX problem and is a software glitch on XXXX XXXX 's end. 
I filed a complaint with TransUnion on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with XXXX XXXX XXXX Credit Card Customers across the country.

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 2019-10-25 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: TX

Complaint narrative:
I HAVE CONTACTED EXPERIAN ON 3 DIFFERENT occasions infoming them that I am a victim of identity theft. yet they are still continuing to state that the following accounts have been verified. Yet Im not understanding how because neither company could verify with me nor show any contract bearing my signature that proves any legal obligations that I have had with either company. The following companies are a result of identity theft XXXX in the amount of {$980.00}, XXXX XXXX XXXX is the amount of {$1300.00}, XXXX XXXX XXXX in the amount of {$1800.00}. These accounts are a result of identity theft.Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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:
In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated that Experian continued to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a XXXX XXXX XXXX that was filed over 7 years ago. Based on the XXXX XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the XXXX XXXX XXXX filing date. To make matters even worse, the Experian credit reports stated that the account would stay on the reports until XXXX which is over 12 years after we filed for XXXX XXXX XXXX and perhaps coincidentally 7 years after our XXXX XXXX was discharged. Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit reports. As the HELOC account was a joint account with me and husband and the XXXX XXXX XXXX was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX HELOC should be removed from my credit reports for the exact same reason as my husband. 

I specifically want to point out an attachment titled " Letter from XXXX Dated XXXX '' in which XXXX verifies that this account was included in our XXXX XXXX XXXX  that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. However, XXXX states that they correctly reported as " Paid in settlement '' at the time of our bankruptcy discharge even though they admit the settlement was our XXXX XXXX discharge. My husband stated to XXXX that an account discharged in a XXXX XXXX XXXX  should appear on our credit reports as something other than " Paid in settlement '' but they disagreed. XXXX stated in its letter and in phone calls that we need to contact Experian directly if we want to dispute how the account appears on our credit reports. 

I am also attaching to this complaint all of the documentation my husband included in his complaint. Most of the documents were attachments to the letter titled " Cover Letter to XXXX XXXX '' in which he initially complained to XXXX about the reporting of the 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 non-monetary relief
Consumer complaint received 2019-10-25 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: UT

Complaint narrative:
" NEW ISSUE '' Experian has violated my rights to dispute an account that is reporting a fraudulent balance that was an result of fraud and unauthorized use. Additionally, they sent the letter uploaded that they are refusing to conduct a reasonable and diligent investigation by FAILING to send all relevant documents which I sent them POLICE REPORT XXXX & XXXX which were NEVER sent to XXXX  in their investigation which is a violation under the FCRA. Furthermore, XXXX sent a letter dated XX/XX/2019. They revealed in the letter they never received any police documentation from EXPERIAN NOR did they contact the XXXX XXXX XXXX police department. I contacted XXXX XXXX and left a Voice message recently reminding her of XXXX legal responsibility to obtain all relevant documentation as section 623 of the FCRA leaves a grave responsibility on the DATA furnisher to gather all relevant documentation in an investigation and are obligated to conduct a diligent and reasonable investigation. HOW can you conduct a Diligent and Reasonable investigation as 100 % VERIFIABLE AND ACCURATE under law and never retrieve legal police reports from Detective XXXX XXXX which you have the contact information for. These are all MAJOR violations that I intend to if necessary file a formal complaint in XXXX District Court here in XXXX XXXX XXXX UTAH. I do have XXXX 's registered agent information if deemed necessary. This negligence from Experian and XXXX has caused significant damage financially and personal hardship. 


Lastly, I have filed another police report as I am adding this notation that XXXX is failing to honor the Truth in Lending Act and Fair Credit Billing act to support my claim if it reaches court. 

Police report number. 
Fraudulent Use of Credit or Debit Card XXXX XX/XX/2019 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 2019-10-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that Fifth-Third Bank was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX and XXXX as " Fifth Third Bank '' and reported to XXXX as " 5/3 Bank CC ''. It was discussed with the local branch in XXXX, XXXX, which pushed it to Fifth-Thirds 's Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the Fifth Third Office of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is Fifth-Thirds problem and is a software glitch on Fifth Third 's end. 
I filed a complaint with XXXX on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with Fifth Third Bank Credit Card Customers across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. 
Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.

Company response to consumer: Closed with explanation