vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent you a letter on XX/XX/2020, asking for correction of my pervious address listed on my report. I already sent you a valid copy of my driver license and Social Security card as proof. So, you should have it on file. This is my second request for correction as this information. As this information on my report is hurting my financial situation, which is causing me pain and suffering. I will seek legal action if this matter is not corrected. Please see below. 

Please delete XXXX XXXX XXXX XXXX, XXXX, TX XXXX as this is a business of XXXX XXXX and not a personal address. Please see proof enclosed. 

Please delete XXXX XXXX XXXX, XXXX XXXX, La XXXX as this was never my home address. 

Please delete this address from my report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau

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 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND XXXX had a special, 0 % financing so I figured Id use that with an existing XXXX XXXX XXXX card that I had from when I got engaged. When I gave the saleswoman my information at the XXXX store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that XXXX XXXX has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with Transunion and 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 2020-03-01 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: IL

Complaint narrative:
I purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND XXXX had a special, 0 % financing so I figured Id use that with an existing XXXX XXXX XXXX card that I had from when I got engaged. When I gave the saleswoman my information at the XXXX store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that XXXX XXXX has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete this account from my credit report immediately, or I will seek legal action. 

I`m requesting that both the CRA and the original DATA FURNISHER to supply me with proof that you both are in complaint with the FCRA and more specifically with the industry standards of reporting electronically. 

Do not send me copies of credit card statements, as this do not validate the right to collect. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: Nelnet, Inc.
State: CA

Complaint narrative:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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.

Complaint narrative:
Hello there.On XXXX, transunion charged my and my husband {$19.00} per person for providing a credit report. We were not asked for giving permission to get charged. This is a kind of fraud. Now, they dont cancel my subscription. I want to get our money back and also dont want them to have an access to our credit cards and history. I appreciate if you could help us with this issue. 
Thank you 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 monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
have an unauthorized transaction on paypal which I did not know about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Portfolio Recovery Associates LLC XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX stole my identity and opened a fraudulent account with Capital One in my name in XX/XX/XXXX. I was XXXX years old in XXXX XXXXl with no proof of income to obtain a line of credit of {$1500.00}. The account is now negative {$1800.00}. I have put fraud alerts on all 4 of my credit reports and have also sent letters to Capital One and spoke with representatives about the identity theft and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TX

Complaint narrative:
XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and Experian, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect

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 2020-03-01 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:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

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 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To SYNCB/CARECR XXXX. XXXX XXXX XXXX, FL XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX a high credit of XXXX and XXXX  high credit as XXXX, and XXXX  as deleted. First, you can not report different credit limit amount between credit bureaus. Second, you can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, original company must have an original contract on file bearing the signature and can not use third party information to collect a debt. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. In addition, XXXX  have already deleted this account from my report as it was found inaccurate. 

Delete this account from my credit report immediately, or I will seek legal action.

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 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was just trying to check my credit score with TransUnion and signed up for what I thought was a free account. They charged me {$24.00} plus {$2.00} sales tax, and enrolled me in a plan that would charge me this monthly. The charge for the plan was not prominently listed on the actual enrollment webpage. Nor was it obvious that the link I clicked from a prior page was going to enroll me in a subscription plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief