vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2020-11-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. On Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE sent me a collection letter dated XXXX claiming I owed an unpaid debt of {$14000.00} on a credit card # XXXX, which I never received from them, or ever used. 
On XX/XX/XXXX, I requested CAPITAL ONE provide me proof of such debt. CAPITAL ONE replied in a letter dated XX/XX/XXXX stating they could NOT provide any proof, giving NO reason about why, but asked me to call the bank directly. 
I spoke on 3 occasions by phone on recorded calls with Capital One employees, during which I was never offered an explanation of why proof of such debt could not be given. I wrote again on XX/XX/XXXX to CAPITAL ONE demanding proof of such debt be provided, and a list of transactions or charges made by me. 
In response, I received two letters from CAPITAL ONE, one dated XX/XX/XXXX and another dated XX/XX/XXXX making completely contradictory statements about the origins of this account. As follows : 1 ) The XX/XX/XXXX letter stated : " The application that you refer to was taken over the phone or the internet via computer or mobile device. so, unfortunately we don't have a paper copy to send you. '' 2 ) The XX/XX/XXXX letter stated : " According to our records, we received your application by Mail on XX/XX/XXXX and your account was opened on XX/XX/XXXX. The last charge billed to your account was on XX/XX/XXXX in the amount of {$52.00}. Your last payment received on this account was on XXXX in the amount of {$400.00} '' I pursued this matter further, asking again that CAPITAL ONE bank clarify this debt and provide me the requested proof of debt, or any proof of account activation, or a copy of statements showing charges made by me on the account. I sent three letters dated XX/XX/XXXX ( 4th request ), XX/XX/XXXX XXXX XXXX request ), and XX/XX/XXXX asking for this information. It was never provided. 
After sending six separate written requests for the most basic information about this debt, and having received none of the information from CAPITAL ONE that I am entitled to, I can only conclude that it will not be provided for unknown reasons. CAPITAL ONE has failed each time to provide me any proof of the debt, such as the following items : A credit card agreement signed by me. 
Any application filled out by me, sent via regular mail or via internet. 
Proof of any record of an application taken over the phone. 
Proof of any account activations. 
Itemized list of any transactions with dates, or charges, made by me to the account. 
This situation has harmed my credit score and credit eligibility for years now. Over time, I have seen my credit limits lowered, and interest rates increased for no reason other than the existence of the CAPITAL ONE derogatory entry in my credit report with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2020-11-26 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: CA

Complaint narrative:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2020-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Tuesday XX/XX/XXXX around XXXX pm we left our phone in an XX/XX/XXXX Whoever found our phone whether it was the customer or driver took our phone and sent them selves a total of XXXX $ from our XX/XX/XXXX. XX/XX/XXXX did nothing to resolve as you cant even reach them by phone. Santander bank refuses to give us our credit back even though we have called over and over and opened the claim about 3 times since XXXX. They say we authorized the transaction which was impossible because the time stamps on the transaction were during the time the phone wasnt In our possession and in the uber! It happened around XX/XX/XXXXish and we didnt even get the phone back from the uber driver till around XXXX pm!!! XXXXXX/XX/XXXX santander noone has helped us in4 months and this person is just off the hook of stealing such a hefty amount of money from us! We wouldn't be fighting so hard for our money is we approved this transaction. We have never filed a claim or anything of any sorts to be told we are lying. Someone stole from us and the bank refuses to do anything g about it.

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 2020-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I don't remember the exact day but I know that it was a few days after XX/XX/2020. I told my bank ( chase bank ) that I was scammed out {$600.00} for a room that was up for rent on XX/XX/2020. They said they couldn't do anything about it but mark the account that was used in the scam as a scam account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I took a settlement with AE to pay for less. 
They are still reporting that i owe monthly payments even though i do not. 
It has been charged off and settled. 
Please have the acct removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2020-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings. 

I sent a disputes letters to the credit bureaus sunch asXX/XX/XXXX, Equifaax and XX/XX/XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
Unauthorized transactions XXXX Claim amount XXXX $ XXXX I submitted my dispute on XXXX XX/XX/2020 my original dispute was declined by my financial institution stating that the transactions were deemed valid however I was in jail at the time that the transactions took place And I submitted a rebuttal to the company on XX/XX/2020 after the previous 45 day investigation and submitted proof of incarceration. 
As of today XX/XX/2020 it has been 55 days since I submitted my rebuttal they are only allotted 45 days to gather a resolution, I have called and submitted numerous support request through their mobile application asking them to give me updates on this claim since they are over there alotted time frame, No one ever gets back to me its been weeks I feel like I am just sticking my feet in the mud not getting anywhere in the meantime I am out XXXX and some odd dollars for some transactions that I did not make that I did not authorize and they refuse to give me my money back. Or even get back to me and let me know whats going on no one calls me they have my phone number they have my email address this is really unprofessional and I feel like Im at the point where Im going to have to go to the courthouse and file a suit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as XX/XX/XXXX Equifaax and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: AL

Complaint narrative:
XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Experian, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

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 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of XXXX unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: NJ

Complaint narrative:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2020-11-26 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: GA

Complaint narrative:
I have disputed XXXX XXXX XXXX with Equifax for over a year now. I have asked Equifax to make XXXX XXXX XXXX send me something with my signature on it. Equifax did not grant my request, instead, they emailed me and said the account was verified. THIS account needs to be removed from my credit report if XXXX XXXX XXXX can't supply Equifax with something with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact XXXX  about XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX, XXXX  XXXX XXXX  on XXXX, and XXXX  on XXXX. Ive also contacted transunion about XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.

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