vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: KY

Complaint narrative:
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XX/XX/XXXX for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my mother being in the hospital, being a XXXX XXXX XXXX XXXX, and working full time to provide for my younger siblings while my mother was sick in the hospital, Id have an excellent repayment record. I made a mistake in falling behind, but since then, my mother has recovered and is now working. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to the two past late payments. To help give me a better chance of being approved for a mortgage loan. 

Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: GA

Complaint narrative:
Since XX/XX/2018, I have attempted to contact Experian in reference to erroneous items on my report. I began sending written request for verification of item in XXXX. Since that time I have not received any items used for verification and the erroneous items since have not been removed from my report. They have yet to verify the item and send proof of that verification. They simply say " the company '' reported it as " accurate ''. Without giving the request verifying information. I have also provided documents to Experian that I have sent to the suspected verifying companies and I have never received anything verifying from them.

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 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Disputed with the company on XX/XX/2018 and again on XX/XX/18 in regards to the inaccurate information reporting on my consumer report. It is now XX/XX/2018 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
Previously by mail and through dispute with all three credit bureaus in XX/XX/2018 via notification with the Identity theft affidavit, police report and verifying information Hunter Warfield, INC was notified of this fraudulent account and has continued to collect and report a debt that is not mine and refuses to remove and stop collections tactics of the debt that was obtained illegally by Identity Theft. One tactic that has been repeated is when they did remove the account in XXXX they reinserted it in XXXX with a different amount and different opening date which still remains on my credit report as of today XX/XX/2018. 

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XXXX and XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect even though I'm a victim of Identity Theft.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
{$430.00} for capital one in the year XX/XX/2017 I was contacted to make a payment when I tried it failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. 
One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with.

How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred.

Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates.

So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.

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 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
My identity was stolen in XX/XX/2015. My identity was stolen through XXXX and the amount on the account is XXXX. I am not sure when this account was created because I have had many things put into my name that are not mine. However, I estimate the account to be created around XX/XX/2015. I have contacted XXXX many times about this account not being mine and this is not my debt to be paid and they still put it on my credit score and ruin my credit. There has already been a police report file and I have all of the documents stating that this account is not mine and this is not my debt to be owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my Equifax credit file dated XX/XX/2018, I've contacted Equifax several times about when i was first made aware of this matter. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Equifax report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX and Equifax credit file dated XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or  knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at Best Buy by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a Best buy card. We called Best Buy they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and Best Buy acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. Best buy tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact Best Buy to have it removed we have and still it remains on our 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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is not reporting 2 open credit cards on my account which is causing my score to be lowered and they are : XXXX credit limit XXXX XXXX XXXX credit limit XXXX And the Bankruptcy from 8.8 yrs ago shouldn't be affecting my score by 150 points.

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 2018-08-12 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: GA

Complaint narrative:
Since XX/XX/2018, I have attempted to contact Trans Union in reference to erroneous items on my report. I began sending written requests for verification of these items in XXXX. Since that time I have not received any of the items requested and the erroneous items are still on my report. They have yet to verify the items and send proof of that verification. They simply say " the company '' reported it as " accurate. '' Without giving the requested verifying information. I have also provided documents to Trans Union that I have sent to the suspected verifying companies and I have never received anything to verify the 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 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Im writing a formal complaint on XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made three payments for three statement and the bank is contending that I was past due on a payment because I paid early. I have contacted the bank through CHAT SESSIONS to correct this error. 

On XX/XX/XXXX at XXXX, XXXX, Operations Manager, stated : Thank you for waiting, XXXX. I have corrected the account and removed the previous payment. 
On XX/XX/XXXX the amount due would be {$140.00}. Even this is incorrect. Amount due on XXXX is {$140.00}. 

On XX/XX/XXXX, XXXX XXXX stated between XXXX and XXXX : Thank you for waiting. I greatly appreciate your patience. XXXX, I see that the issue was taken care by my manager with whom you spoken on XXXX. This was sent to the backend team to get this corrected as we had the weekend our backend team wont work so this will be rectified by this weekend. Please dont be worried, as this was taken care, XXXX. 

On XX/XX/XXXX, XXXX XXXX stated at XXXX stated : It needs at least 1 2 billing cycles for the correction.

This is totally unacceptable! I checked my account today and it still stating I am {$140.00} past due. My next payment is due on XX/XX/XXXX! I am not paying them a past due payment when it has been an entire month and they havent rectified their error. I DO NOT WANT MY CREDIT AFFECTED BY THEIR INABILITY TO CORRECT THIS SITUATION! 

I found numerous complaints about this financial institution in researching if anyone else has had this problem with XXXX XXXX. 

Someone needs to inform this institution to correct their situations with their customers accounts in a timely manor as they state they would. Again, they are not getting another penny from me except the correct payment amount!!

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 2018-08-12 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: CA

Complaint narrative:
on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at XXXX XXXX by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a XXXX XXXX card. We called XXXX XXXX they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and XXXX XXXX acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. XXXX XXXX tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact XXXX XXXX to have it removed we have and still it remains on our report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
Received a call from XXXX and she never indicated that she was calling from a Collection agency. Ive been paying on this debt that I wasnt aware of and they proceeded to send the account to the Collection agency??? Why?

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 2018-08-12 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in attachments. You did not verify that account when you said you did. Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, 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 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 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Disputed with the company on several occasions and they still havent provided proof in a timely manner. The FCRA gives the company 30 days to respond. I have not gotten a response.

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