vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, my wife was alerted to a potential fraudulent charge at a grocery store on the other side of town for the amount of {$520.00}. My wife responded to the message that is was indeed a fraudulent charge and I immediately went online and 'froze ' our credit card while we figured out what was going on. While additional attempts were made after I froze the card, it turns out that before the potential fraud alert was triggered, two other charges, {$29.00} and {$310.00}, were processed at the same store. 
I called the credit card company first thing in the morning on XX/XX/XXXX and let them know that those charges were not made by us. 
On XX/XX/XXXX, the credit card company contacted me to let me know that i would be liable for charges because " the charges were made with an EMV chip and that can't be faked. '' I appealed the decision saying that it must have been on a stolen card that we were not aware of. 
On XX/XX/XXXX, the credit card company let me know that my appeal was denied. 
I filed a police report on XX/XX/XXXX in order to get photographic evidence from the store that the charges were not made by my household but don't have a lot of hope since it was past what most video retention services are ( 14 days or 30 days ). I am still waiting to hear back from the police deputy. 
Though there was already an investigation pending into the matter I officially notified the credit card company in writing per the Cardmember Agreement and stipulations of the Fair Credit Billing Act ( FCBA ). This letter was delivered via Certified Mail on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
Equifax is reporting inaccurate information on my credit file. All credit cards were paid in full XX/XX/2020. Equifax is reporting banned on XXXX XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. Other bureaus are updated and reporting accurately. This is a violation of the FCRA and is impacting my credit score causing harm to me, in addition, equifax will not allow me to dispute on line. It tells me I have to call or mail Im. When I call, Ive waited an hour and still on hold. Mailed a letter over 30 days ago, XX/XX/2020, still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: OH

Complaint narrative:
Equifax keep reporting My account with XXXX XXXX XXXX XXXX as 30 days late in XXXX of XXXX. In XXXX of XXXX, the company contacted XXXX  and Equifax to correct the error as i was not thirty days late. Equifax corrected the error then just recently reported again as thirty days late in XX/XX/XXXX. As a result my score has dropped from them re-reporting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
Hello, I have been disputing an account with this company for a collection account on my report that is not accurate. This account has not does meet FCRA standards, and can not be verified because it has been removed from my XXXX report. I have disputed this account with XXXX in XXXX, and XX/XX/2020. It has come back as no change, and they are refusing to investigate and provide proof of validation/verification or the source of the verification. 

I have also disputed this account with Transunion in XXXX of 2020, and it has come back as no change. This account is inaccurate because I do not owe this balance on this account at all! This account should be removed, just like it was properly removed from XXXX 

I have sent letters showing that the original creditor has broken their agreement and I am not liable for this. I have also, shown proof that XXXX  has deleted this on my XXXX XXXX account. 

This account is XXXX XXXX XXXX, account 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 explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have tried to solve this matter with Caine and Weiner on several times ( via certied mail ), I have even offered a pay for deletions and still Caine and Wainer is opting for ignoring my letters, Caine and Wainer are trying to collect an unvalidated account, out of the status of limitations, and ignoring my intentions to resolve this matter. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter warfield inc has a collection on my credit report on behalf of XXXX XXXX at XXXX XXXX for the amount of {$3000.00}. I do not owe this money and I have an email from XXXX  XXXX at XXXX XXXX  starting my account with them is settled. I have also not recieved any letter, statements, etc from Hunter warfield in regards to this. I request that this be removed from my credit report with XXXX, XXXX, and XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct. correction   Good morning Ms. XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional manager. 

We have corrected your account and waived the termination fee. 



Respectfully, XXXX XXXX Assistant Manager XXXX  XXXX  at 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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Service of Nevada
State: NV

Complaint narrative:
In or about XXXX, as assumptive debt creditor, Collections Service of Nevada obtained a judgment against my wife and me together for a single claim arising out of a claim made for our joint tenancy of a pre-XXXX XXXX NV corporate-managed rental. 

Subsequently they engaged the Sheriff of XXXX County, Nevada to garnish all relevant amounts, which said Sheriff regularly did, to absolute completion months ago. 

Nonetheless, XXXX/XXXX XXXX/XXXX  continue to report re same CSN issue that A ) not XXXX cent of judgment has been paid ; and B ) per CSN, we have been suppressing our whereabouts from public discovery since at least XX/XX/XXXX to date of any new inquiry. 

Now, even my wife has contacted the said CRAs to inform them our unbroken tenancy since XX/XX/XXXX to date ( used for IRS, XXXX, voting, et al ) has been at the same property as where originally served with Court complaint ; in fact, the premises at all times has been owned/managed by a member of a prominent NV family ... his grandfather was a Governor, his step-brother is the current XXXX XXXX Attorney, and even the woman attorney for CSN ( plaintiff ) was then President of the XXXX County Bar Association and 10-year top assistant to the said City Attorney when he was a XXXX XXXX ; surely repeatedly directed to our lessor, CSN would have no trouble correcting its CRA position that we are suppressing our whereabouts since some point in XXXX ; surely by now also, CSN is in receipt of all funds et al collected in totality by the XXXX County Nevada Sheriff. 

Since nothing my wife and I have yet done is able to militate CRAs or CSN to correct such amount still due/have never been found errors most harmful to our attempts to get verification of residency via CRAs only, and harmful in casting us as people who still owe them money, I am submitting this complaint to CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CA

Complaint narrative:
I have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX  XXXX, Experian has received several ( al least 6 attempts ) to validate or remove the account. Experian has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to Experian asking for this account removal. Experian has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this 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 2020-08-05 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: TX

Complaint narrative:
Hello, I have been disputing an account with this company for a collection account on my report that is not accurate. This account has not does meet FCRA standards, and can not be verified because it has been removed from my XXXX report. I have disputed this account with Experian in XXXX, and XX/XX/2020. It has come back as no change, and they are refusing to investigate and provide proof of validation/verification or the source of the verification. 

I have also disputed this account with XXXX in XX/XX/XXXX, and it has come back as no change. This account is inaccurate because I do not owe this balance on this account at all! This account should be removed, just like it was properly removed from XX/XX/XXXX. 

I have sent letters showing that the original creditor has broken their agreement and I am not liable for this. I have also, shown proof that XX/XX/XXXXhas deleted this on my XXXX XXXX account. 

This account is XXXX XXXX XXXX, account 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 2020-08-05 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: AZ

Complaint narrative:
I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.

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 2020-08-05 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: AZ

Complaint narrative:
I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AZ

Complaint narrative:
I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed a hard inquiry on my credit report caused by a mortgage. My credit was pulled by Capital One on XX/XX/2020. I can assure you that this is an error or possibly fraud. I would like to have this resolved as soon as possible and have this inquiry removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XX/XX/2014 the was by westlake financial everything was fine till the truck started having problems I took it back to the dealership and they said they could help me fine out to be the truck was a lemon the truck I took it back and a tow truck put it back in front of my house I try everything the financial company didnt help me and they was the one that told me to used that car dealership in the first place I just let the loan company take the truck back and they sold it for way less than what it was worth in the car action now seams XXXX I still have that in 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 2020-08-05 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: CA

Complaint narrative:
I have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX XXXX, XXXX has received several ( al least 6 attempts ) to validate or remove the account. XXXX has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to XXXX asking for this account removal. XXXX has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this 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