vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I discovered my debit card was missing and asked around for it but no one had it seen it and I thought I had given it to my sister and she misplaced it again so I just decided to wait untill it pops up and it it didn't in a week report it. The next day on XX/XX/2020 i meet up and stayed with the person who stole my card without me knowing. In the morning of XX/XX/2020 and he asked to borrow my phone to make a delivery to earn money from a family member real fast and that he would be back in 40 mins tops. I decided to let him use my phone and he left me in his house for hours before returning. Once he returns we get into an argument about him disappearing with my cellphone and he takes me home and it's almost XXXX. I had made plans with a friend so I proceeded to go to their house where I spent the rest of my day. I returned to my friends house first thing the next day on XX/XX/2020 where I spent the day again before going home. On XX/XX/2020 i go to my friend 's house first thing in the morning. On my way to his house I decided to buy us food and discovered my account was frozen and a check had been deposited from a bank atm into my account for {$4000.00} half was pending thru cash app and the other half had been sent out thru XXXX. I called the bank the next day and was told couldn't do anything untill it was finished pending and was sent to the fraud units answer machine. They told me they would get back to me. On Thanks giving I called again and no one was in because of the holidays. On XX/XX/2020 i confronted the man who stole from me and a gotten threaten and blocked. I waited all day and no one got back to me. I called back XX/XX/2020 and spoke to the fraud unit and they told me because everything came from my account I was responsible and didn't really listen to me. They decided to close out my account with all my money. I have all my information on my phone saved from when I had to fill out paper work and I have the same pin for most things. She didn't listen. Currently I'm making a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently challenged the validity of Bankruptcy Account Reference Number XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to DELETE this account from my credit report immediately.

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 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden XXXX XXXX XXXX was able to respond, but still did not provide a written settlement. I had to file another complaint first. 
With all this time past and XXXX XXXX XXXX falsely filing a lawsuit against me, I had many unexpected costs caused by XXXX XXXX XXXX and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. 
The original amount I had offered XXXX as a pay-off quote {$850.00}, is not available anymore. 
I have been without work since XXXX. No work, no money. 
I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. 
Furthermore the settlement agreement that XXXX XXXX XXXX sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. 
PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. 
Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. 
They should offer a compensation for mistreating people, harassing others and making them sick. 
I should receive money for compensation from them. 
Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... 
Please explain and investigate! 
They called from phone number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have submitted several disputes, attaching FTC identity theft report to credit reporting agencies, and the creditor will not remove the fraudulent account. Also the CRAs tell me that there is nothing they can do besides follow the creditor response. 

Creditor : comenity bank/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: AL

Complaint narrative:
In 2016, several accounts reported on my credit report per XXXX XXXX. Upon research, Im no longer responsible for the accounts. I challenged the validity of the Chapter XXXX Bankruptcy, Reference Number XXXX reported XX/XX/2016 that was being reported on my credit report. Upon challenging this, Transunion and XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed upon challenging the Bankruptcy account with Transunion that they are legally responsible in removing all information associated with inaccurate information being reported. I noticed as a result of challenging these accounts with Transunion that they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Transunion used to verify these accounts in writing. If such documents can not be produced please delete these accounts immediately. 

Accounts are referenced below. The accounts are reporting inaccurately and needs to be removed. The accounts has comments stating that the accounts were included in chapter XXXX bankruptcy yet there is not a valid bankruptcy on my Transunion report, therefore my my consumer rights has been violated and Im requesting legal actions now. 

XXXX XXXX XXXX XXXX XX/XX/2016 - account number XXXX *XXXX/XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account XXXX XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number 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 2020-12-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my 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 explanation
Consumer complaint received 2020-12-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my 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 explanation
Consumer complaint received 2020-12-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: AL

Complaint narrative:
I recently challenged the validity of XXXX XXXX XXXX. Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information of true, Im requesting the information Experian used to verify this account in writing. If such documents can not be produced please notify Experian to delete this account off my credit report immediately

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 2020-12-04 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: AL

Complaint narrative:
I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXXn updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Equifax used to verify this account payment history in writing. If such documents can not be produced please notify Equifax to update this account on my credit report immediately. Equifax failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. XXXX reflects late payment for XX/XX/XXXX and Equifax reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: AL

Complaint narrative:
I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Transunion used to verify this account payment history in writing. If such documents can not be produced please notify Transunion to update this account on my credit report immediately. Transunion failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. Transunion reflects late payment for XX/XX/XXXX and XXXX reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately

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 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2020-12-04 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2020-12-04 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2020-12-04 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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