vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent XXXX XXXX a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on XX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap

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 2018-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
We purchased a roll up door from XXXX online. Order number XXXX. We purchased this with the expectation of a rebate that was promised. Rebate code XXXX. 

We received notice that the door was available for pickup on XX/XX/XXXX and the following week end, retrieved the item on XX/XX/2018. Now having received the merchandise, we attempted to collect the rebate. However, the rebate deal stated that it was no longer available and expired on XX/XX/2018. 

Our complaint is that we could not exercise the rebate until receipt of the merchandise, and because of their slow delivery, ( Order placed XX/XX/2018 ) we could not exercise the rebate. This was false and deceptive to offer a rebated price and then not making allowance for us to claim the rebate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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:
I disputed an account with XXXX XXXX XXXX with Experian and on XX/XX/XXXX they claimed that the company verified the information to them. I find it funny how they verified the information with Experian when I also directly disputed the information with XXXX XXXX XXXX and did not receive validation fully this alleged collection is reporting inaccurately to my report. I was never given valid validation from Experian about this debt how can Experian verify this debt as accurate with the dates all out of sorts they claim this alleged debt was opened XX/XX/2013 but claim the alleged medical service did not happen til XX/XX/2013. I was never provided from Experian are XXXX XXXX XXXX a copy of the hipaa authorization form are any contracts with my signature bearing responsibility to alleged debt. Experian would not give a explanation of how they verified the alleged debt. By no means is this debt valid are do I have any ties to said alleged debt.

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 2018-10-08 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:
XXXX XXXX XXXX, account number XXXX is appearing on experian, XXXX and XXXX  credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future 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 2018-10-08 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: FL

Complaint narrative:
Experian and XXXX refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!

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 2018-10-08 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PR

Complaint narrative:
what happen was trusted someone with a lot money in exchange for them to pay me back with in couple months but they never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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:
I filed a dispute with Experian about a account being reported by XXXX XXXX XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. Experian Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from XXXX XXXX stating I needed to contact XXXX XXXX but they are the same company according to the chamber of commerce in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between Experian and XXXX   are different also it is Reported under XXXX XXXX on Experian but tenant tracker on XXXX and XXXX this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX  XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/14 and XXXX XX/XX/14 there is no way this collection account is valid as I am in no way tied to this debt.

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 2018-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is not my first complaint, and after 5 months of waiting to get this issue resolved I feel this is my only option to communicate with Capitol One. May of this year I applied for a capitol one credit card for XXXX XXXX XXXX ( where I work ), I was emailed by a representative asking for more of my Income information, I declined and decided I no longer needed the card. I never got a response from the representative, some time later I check my credit report and I not only have that credit inquiry from the XXXX but she processed another credit application on the XXXX which I DID NOT AUTHORIZE. I immediately called, left voicemails, sent emails etc. No response. 

Fast forward to XXXX when I create a complaint on CFB, Im contacted by someone in the executive offices saying they are aware of the issue and that she " accidentally '' submitted another application when she was trying to see if any information was updated ... what could have possibly changed on my credit in a day? 

I was then sent a letter stating they would send all the information from my account to the credit companies and it would left the the reporting agencies to decide if they would remove it or if it would become a soft inquiry ... that was suppose to take 60 days max. 

60 days later and the unauthorized inquiry is still there. I contact the number I was given to the executive office, the woman I originally spoke with is not available or just doesn't know how to return calls. I speak with a new gentlemen, he ensures me he will look into it and see why it is taking so long, says he will call me by the end of the week to update me. 

I call him after I never receive that update, it appears as though my case was never sent to the reporting agencies to be removed, I finally reach him, he promises once again to keep me informed on the process, that was two weeks and two voicemails ago and have yet to hear from anyone. I told him that it is extremely important that it be removed because I will be purchasing a home in the next few months. He then created a case for me # XXXX, not sure why there wouldnt have already been one. I dont know how many complaints I must post, or representatives I must talk to in order for the issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( XXXX  and directly with XXXX XXXX ) to no avail. The results of the most recent XXXX Re-Investigation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: CA

Complaint narrative:
XXXX XXXX XXXX, account number XXXX is appearing on experian, transunion and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX   in the future .

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 2018-10-08 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: CA

Complaint narrative:
XXXX XXXX XXXX, account number XXXX is appearing on XXXX, XXXX and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with XXXX small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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:
I filed a dispute with XXXX about a account being reported by XXXX XXXX/XXXX  XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. XXXX Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from Tenant Tracker stating I needed to contact XXXX XXXX but they are the same company according to the XXXX XXXX XXXX in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between XXXX  and Equifax are different also it is Reported under XXXX XXXX on XXXX but XXXX XXXX  on Equifax and XXXX  this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/XXXX and XXXX XX/XX/XXXX there is no way this collection account is valid as I am in no way tied to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have visited Experian 's website on several occasions to get credit information regarding my personal credit. they have you sign up for a free credit report and they require you to give you a credit card number to be charged XXXX dollar to make sure you are the intended user. will after my first experience last year if you do not cancel the free credit report, they start charging you XXXX monthly. well after many attempt to stop the service and get a refund, They followed through. So I was looking at old book marks on my computer and just happened to click on Experian 's website and it automatically signed me in to an old account that i was sure I closed for the membership. Will I was checking my bank statement a day later and noticed a charge for XXXX from Experian and so I contacted them to see why i was charged. I was told that I was enrolled in there membership program. I told them that I did not authorize this and that I wanted a refund and to have my personal credit card number removed from there data base. I was told they would refund me the full {$21.00}, but they could not take my credit card number off of there data base. I am fearful that this will happen again. to make matters worse, this happen to my wife as well. My membership number with them is XXXX. Please look into this unfair business practice for they should be protecting my credit information and not holding me hostage on a credit report Business opportunity scam. Thank you for your attention to this matter and i look forward to your follow up. best regards, 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 2018-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I closed my savings account at Fulton Bank of New Jersey XXXX branch on or around XX/XX/18 or XX/XX/18 and the complete balance of {$48000.00} was given to me in a check which I deposited at another local bank. Since then I have been getting collection letter notices saying that my account has been overdrawn since XX/XX/2018 and they are trying to assess me overdraft fees when I don't have an account there since I closed it. Now they are threatending to send my name to a consumer reporting agency ( letter from XX/XX/2018 ) attached. I am XXXX years old and elderly, please contact my son who is helping me file this electronically ( I have included his phone number ) - can you please help me and work with my son in getting them to leave me alone, and stop trying to assess overdraft fees on an account that I don't have any longer and which has never been overdrawn, and keep my good credit record intact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-08 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: NY

Complaint narrative:
I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( Experian and directly with XXXX XXXX ) to no avail. The results of the most recent Experian Re-Investigation is included.

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 2018-10-08 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation