vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: MO

Complaint narrative:
I have 3 credit cards that I pay in full monthly that Im the authorized user on. XXXX  is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: MD

Complaint narrative:
I have sent numerous emails to their customer support email I get five or six emails saying that I need to send a email that is linked to my account even though the account email that I was sending them was from my account email that is on file with my account I had then send a screenshot to whoever I was speaking to he then apologized but that is not my problem they are telling me that I need to submit evidence for this that and the third to update my banking information I have already explain to them that this account that is linked to this account is in the process of being closed and has been compromised and that its overdrawn by over {$1000.00} I have explain this repeatedly not only that I have also told them the new bank account information that I am giving them still has the employer and direct deposit payments when I originally set up this account from the same employer they are denying me to be able to make my payment on time they are denying me to update my bank information to be able to pay this debt off and not only that they are going to hit me with a bunch of late fees and other fees that are associated with late payments even though that I have been trying to deal with this for the last three weeks and give me a negative report on my credit bureau even though that this couldve easily been straightened out if their customer service department would have gave me the option to update my new checking information or take another form of payment I am frustrated at this point and I am literally sick of this company at this point I am asking you to step in to figure out what is going on with this company to hopefully fix it and to Where is somebody else wont have to deal with the frustration like I have a judging by some of the reviews on the XXXX XXXX I can tell that I am not the only person that is dealing with this issue from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 40 plus days in have not had a response. Under

the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the
purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer 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 2021-06-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear PRA ; ( PORTFOLIO RECOVERY XXXX {$380.00} - - - PORTFOLIO RECOVERY XXXX {$520.00} - - - ) Im confused and stressed and 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 2021-06-08 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: MA

Complaint narrative:
Dear XXXX ; ( XXXX XXXX XXXX {$380.00} - - - XXXX XXXX XXXX {$520.00} - - - ) Im confused and stressed and 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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX Equifax started to report my DOB incorrectly. I submitted multiple disputes. It was not corrected until XXXX. I have not been able to view my equifax report through XXXX  or annual credit report.com they both state something is wrong with my personal info at equifax. Equifax is unwilling to help. I called and was sent to a different department. They say they cant even access my credit report. The agents re rude, sometimes I wait on the phone and a agent never answers. Instead it goes to the survey. I can access it on my Equifax.com. Equifax is by the far the worse and most difficult credit reporting agency. I should have access to my credit reports just like I do the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX JPMCB Card pulled my credit without my authorization. 

Chase has sent me a letter request the credit agencies remove these inquiries. 

XXXX  has requested me to provide this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
I have sent numerous of letters explaining I am a victim of identity theft along with copy of valid documents. I have sent letters in XXXX, XXXX, XXXX and XXXX to plead with bureaus of fraudulent accounts. 
I have filed police report of my information being stolen, I also explained when I have moved to the United States. There was no way I could have applied for such accounts, theres also another person name listed to the account. 
My pleas are being ignored but a automatic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that XXXX, XXXX, and Equifax have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting XXXX, XXXX, and Equifax 's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that XXXX, XXXX, and Equifax obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX  XXXX - {$400.00} FINANCIAL CREDIT NET - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX / XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX SVC - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to XXXX, XXXX, Equifax or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX XXXX  Shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as XX/XX/XXXX Account XXXX ( Original Limit {$500.00} ) Pay history Different across all 3 bureaus. Remove for inaccuracies. 

XXXX shows 150 days late as of XX/XX/XXXX XXXX  shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as of XX/XX/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 2021-06-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX Equifax Shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all XXXX bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as XX/XX/XXXX Account 2 ( Original Limit {$500.00} ) Pay history Different across all XXXX bureaus. Remove for inaccuracies. 

XXXX  shows 150 days late as of XX/XX/XXXX Equifax shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years.

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I was going through old magazines and found a refund letter with an attached pre paid card that expired on XX/XX/20 in the amount of {$24.00} due to over payment of an auto loan from Santander Consumer USA. I was never contacted by the loan company to inform me of this over payment or that a prepaid card would be arriving. After discovering the card today I called the number located on the card issued by XXXX XXXX  to explain my situation and asked for a replacement card so I could utilize my refund. I was informed that due to them charging a XXXX XXXX  monthly non use fee to a card I didnt even know I had there was no money left for another card to be reissued. I asked to speak to a supervisor and was informed that it did not matter because a supervisor would tell me the same thing. I then proceeded to call Santander to remedy the situation and was informed that while she would open an investigation there was nothing they could do as they sent the refund in a timely manner. I feel that I should be issued the refund I am owed as I was never notified this card was coming to watch for it ( despite them calling me several times a day until the insurance company paid them for the car after the accident ) and the card was never activated.if I have to activate a card prior to use then the company should only be able to charge fees to an activated card. Additionally I was not given a choice regarding this prepaid card nor informed of the non use fee prior to being issued the card which goes against the act passed for these very protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
I called in to Equifax today XX/XX/2021 at XXXX and XXXX and requested to delete accounts that Ive been disputing last month XXXX and XXXX and the both representatives refused to comply with the 15 USC 1681n and I was hung up on both times while being transferred to a supervisor. I was also told that they cant honor my request and remove the accounts because they have guidelines other than following the federal credit reporting act. I have a right to exclude any account associated with a credit transaction and they refuse to comply. I asked that the accounts be deleted immediately and they refused. Im sick and tired of Equifax lying about the validation of accounts because they never spoke to any of my neighbors, family members regarding my reputation or credit. Only o can validate pursuant to 15 USC 1692g. I am the original creditor and I called to ask that those accounts be deleted immediately and did not comply.

I am requesting that the CEO of the company send an affidavit of truth that a verification of accounts with neighbors and family were validated to conclude that the reporting from the creditors were valid. You continue to lie and you will be fined!

Company response to consumer: Closed with explanation