vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Re : Fraud Application Account Number XXXX To Whom It May Concern : This letter comes in response to a fraudulent credit card account opened on XX/XX/XXXX using a fraudulent address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. In response, I have enclosed an FTC Report, original police report that validate my information was compromised during the XXXX XXXX XXXX. 

I request this account be investigated and removed immediately as it is a violation of my rights as a consumer under the FCRA. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed account several times, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file listed below. 
XXXX XXXX Balance : {$0.00}

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
Consumer complaint received 2023-05-18 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: CA

Complaint narrative:
XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXXXXXX XXXX XXXXXXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this information.

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 2023-05-18 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: CA

Complaint narrative:
XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXX of XXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had an auto loan account in the amount of {$29000.00} from Wells Fargo on a brand new vehicle that was opened XX/XX/XXXX and closed XX/XX/XXXX when another bank bought out the loan from them. In XXXX of XXXX, I noticed that this loan was missing from my credit report and contacted Wells Fargo. They failed to follow up with me until I went into a local branch in XXXX of XXXX, and a banker was able to escalate my case to a higher up in the company. They stated that the loan was unreported because of an issue with my co-signers address, which they never reached out to fix prior to and I was unaware was even an issue. They did initiate reporting the loan, and it did appear on my report by the end of XX/XX/XXXX as a closed auto loan account. Now, several months later as I am rebuilding my credit and reviewing all accounts on my reports, I am realizing that this loan shows absolutely no reported payment historywhich in turn did nothing to help with my credit. There are at least 10-11 on time payments that are missing from the now reported auto loan. There were several recorded calls between myself and the lender during XXXX and an email that I sent to their credit bureau operations on XX/XX/XXXX. I initiated another complaint via phone call and email to them today, XX/XX/XXXX and will be faxing a credit rating request to them, which is what the customer service representative told me to do.

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 2023-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have two complaints filed against Ally. The amount they are stating I owe is incorrect. In their reply XXXX. The payment history does not show the car as being total loss as XX/XX/XXXX or XX/XX/XXXX. The dates the car was damaged and entered as a total loss and the GAP insurance payment made towards the {$12000.00} balance. The amount paid was {$4000.00}. There was over 6 months before {$1000.00}. of this gap total loss payment was applied. At the time ( XX/XX/XXXX ) the account was charged off the amount due was {$10000.00}. Yet, if the {$4000.00} ( GAP TOTAL LOSS PAYMENT ) would have been applied at the time the payment was made the balance due would have been less than XXXX. 
CFPB *** At the time Ally 's reply I did not have knowledge of amount, or the payment made on the 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 2023-05-17 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: MD

Complaint narrative:
I submitted a dispute to Transunion. The dispute report returned with deleted reporting for an account I paid on time and not issues. The amount from the same company was incorrect. Yet, they deleted the GOOD reporting information. On the same report, derogatory information being reported was incorrect it remained on the 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 non-monetary relief
Consumer complaint received 2023-05-17 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent a letter out on XX/XX/23 to Early Warning regarding the following account : XXXX XXXXXXXX. Here is my tracking numberXXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want to know who did they talk to How did they complete this investigation Be advised that that both XXXX XXXX and Early Warning have failed properly investigate and ensure that my credit card is 100 percent accurate. Im tired of going back and forth trying to fix stuff due to my identity being stolen and my accounts tampered with. I would like to resolve this issue without a lawyer. I received a letter saying it was blocked but in fact it remained without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX  has failed to do this.

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 2023-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX has failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said Company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer. The consumer is now requesting XXXX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with Consumer wet ink signature. Consumer is Not asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized, it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. I WILL be filing form 211 treasury CMB forms to audit consumers account. XXXX is securitizing consumers data yet refuses to provide consumers with a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank
State: MD

Complaint narrative:
I transferred XXXX $ from my account in XXXX to my account in XXXX since XX/XX/XXXX, and till now didnt receive it. I knew from the XXXX transaction reference that it passed through intermediary bank which is Deutsch XXXX XXXX XXXXXXXX. I tried to call the wire transfer department within Deutsch Bank with no answer for more than 3 days ( customer service always transfer me to wire department ). When I checked with XXXX if they can trace the transaction, they told me that they can not see this amount in the incoming transactions and told me that it is most probably still on hold in the intermediary bank. The sender bank in XXXX ( XXXX ) assured me that the amount is on hold in the intermediary bank as well and told me that they were asked for additional information by the intermediary and answers were provided on XX/XX/XXXX. So, I kindly request that the intermediary bank dispatch the amount to my receiving account in XXXX as there is no reason for this long hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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:
a few months back I was aware that i was a victim of identity theft. My identity was stolen and fraudulent accounts were opened without my knowledge or consent. i tried reaching out to the credit bureaus but to no prevail they have not been helpful at all and are extremely hard to talk on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: MS

Complaint narrative:
i recently disputed some inaccurate and incomplete items that has passed the statue of limitation for Mississippi ( 3 years ) or more than 7 years old on my credit report from XXXX, Equifax and XXXX for the following tradelines ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me disclosures per 15 USC 6802b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH COLLECTIONS ARE ITEMS OF IDENTITY THEFT AND HAVE FILED A COMPLAINT WITH FTC ( IDENTITYTHEFT.GOV ) please delete all items from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation