vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 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: CA

Complaint narrative:
I am filing this report because I applied for a small personal loan at XXXX today XX/XX/2020 and unfortunately I was not approved because apparently there are two accounts in negative standing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with either of those companies nor am I affiliated with them in any way. I don't know who is responsible for these accounts but I did not give anyone permission to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these debts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank is attempting to collect a debt I already paid and I provided Capital One Bank proof of payment more than once. In fact, Capital One Bank provided me a copy of my XX/XX/2020 Capital One Credit Card Statement which indicates a balance of {$0.00} dollars owed and a minimum payment due of {$0.00} dollars. My XX/XX/2020 Capital One Credit Card Statement indicates transactions in the amount of {$790.00}, even though no transactions were made by either myself or my wife during the immediate previous period. And in fact, we discontinued using the Capitol One Credit Card in XX/XX/2020. 

Finally, I have provided Capital One Bank a copy of my XXXX XXXX XXXX statement for the period of XX/XX/XXXX to XX/XX/2020, as proof of payment of the {$790.00} in transactions claimed. This amount was deducted by Capital One from my XXXX XXXX XXXX account on XX/XX/2020. In addition, I have already disputed any amounts Capital One Bank claims I may may owe at this time, plus and interest or late fees claimed. If an error was made, it was by Capital One Bank and not me. Without a detailed explanation, which is yet to be provided, I can not pay any amounts claimed by Capital One Bank. If an error was made by Capital One Bank in its accounting, I certainly should not pay any interest or late fees charges claimed as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renew Financial Holdings Inc
State: PA

Complaint narrative:
This company took over the servicing and collection for the loan on our furnace. The company refuses to provide written monthly statements despite our request. Their web site is horrific to navigate to figure out how to log in. We are getting dinged for late charges due to the fact that we do not receive monthly statements on this account. This account was always current and actually paid ahead until this company took over. I have never dealt with a creditor that just outright refuses to send monthly statements on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TN

Complaint narrative:
XXXX charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute. 

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.

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 2020-09-26 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: TN

Complaint narrative:
XXXX charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute.

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
ENCLOSED PLEASE IND COPIES OF 12 FRAUD INDUCED MONEY ORDERS, TOTALING {$6200.00}. PLEASE REFUND TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Hello customer financial government, Company Sofi money, at date XXXX XXXX time as XXXX XXXX clock XXXX send me email and sms, too frozen/restricted my Sofi money checking account, without provide any reason or alert, I trying contact Sofi money team by email too, they said don't have anything information about it too, said the Sofi security team don't do this too need contact to phone number security team XXXX unable reach them phone., I leave 5 time voicemail record for back to nobody back too call many time on time security team have work, reply automatically record women, '' say all lines are busy leave record voicemail or trying call later '', the security team no work 24/7 for customers too on time work hide too unable to reach for reslove problem, the Sofi money team no work together with security team for reslove problem for customer as service need be in few minutes, I already have frozen account 72 hour without reason, too i also trying contact with in email senior team Sofi, name XXXX, XXXX, XXXX, no one reply back, on Sofi money contact email with agents XXXX, XXXX by chat application agents with XXXX, XXXX, XXXX, all those reply without able resolve problem with security team for my unfrozen account, they only said filling complain to CEO Sofi too all time said contact to security team phone, without unable reach them. It's treat are abuse too scary customers too new customers, too hurt to customers for nothing, frozen account leave customer without own money using too no one help, it's very big damage to customers sofi and damage Sofi company, customer no need scared hold money in Sofi, customer need have confidence and trust product. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: IN

Complaint narrative:
On XX/XX/20 I submitted a request for investigation into XXXX as there are several lines on this trade line between Experian, XXXX  and XXXX  which don't match. Experian responded on XX/XX/20 that they were verified. I then requested on XX/XX/20 that they show me how they verified this information. On XX/XX/20 they sent me a report that told me it had been updated ( this did not answer my question ). So on XX/XX/20 I asked again for Experian to send me any documents to show how they verified this item. Again on XX/XX/20 they send another " Updated '' response and did not address my question. Finally on XX/XX/20 I sent a request which stated " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested ''. For that I received a response on XX/XX/20 which showed the Outcome as Updated. I still have yet to receive a response which shows HOW the information is verified. Per the FCRA 611 ( 6 ) ( B ) ( iii ) I have requested a description of the procedure used to determine the accuracy and completeness of the file on different occasions and have yet to receive the appropriate response. I know that this is an old account and won't make much difference in my credit report, but I was under the impression that the rules were made for everyone to follow.

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 2020-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I am a victim of identity them and this is one of the accounts included in my fraud report. I have mailed a copy this report to the original credit and the collection agency NCB Management Services as well as the Credit Reporting agencies. They continue to report this item on my credit report further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Back in XX/XX/2020, 2 of my capital one accounts have been closed without my knowledge after I have made a payment from my savings account that went through and even after I have called and disputed this they told me they can not help me and to just pay off the amount and since its closed no interest or anything will accrue. Yet they now hit my credit report TWICE with 30 day past due delinquency along with interest charge AND a a late fee ON TOP of my initial payment tried contacting them again about my finacial hardship and could not get through multiple times I was hung up on .Which is not correct at all. This needs to be addressed and Im tired of being given false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt which i do not believe is mine. They have reported this account to the credit bureaus when I have asked them for verifiable proof that this account actually belongs to me. I have asked them proof in form of a contract or some form of binding contract that bears my signature showing I am indeed the person for this account. This company has also failed to respond to my dispute to them. I have sent them 2 letters prior, to which they have not answered me and yet they are still reporting this account. I believe this goes against FCRA guidelines, which you, the CFPB is supposed to enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CA

Complaint narrative:
Experian admits that they did not investigate this matter in the prescribed by law 30 days. They are shrouding their response in a late investigation that still produced suspect results, but regardless they are required by law to do the investigation in 30 days. They have admitted they did not do the investigation in 30 days.

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 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: MA

Complaint narrative:
Hi and how are you doing during Covid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing during Covid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 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: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
On XX/XX/2020 I sent money through Western Union ( Transaction XXXX ) to someone named XXXX XXXX and attached a security question to the transaction, a question that the receiver is supposed to answer in order to get the money. Western Union internally changed the security question and answer and released the money and the name to XXXX XXXX without my permission or knowledge. I am attaching a copy of the text I received that shows a different name. Western Union is helping scammers.

Company response to consumer: Closed with explanation