vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Also settings and app are not the same. I've been waiting for new cards promised on XXXX. They changed my card numbers and charged XXXX and gave XXXX my new card number. I have tried over a dozen times to resolve this with no restitution and now I'm being charged late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Also settings and app are not the same. I've been waiting for new cards promised on XXXX. They changed my card numbers and charged XXXX and gave XXXX my new card number. I have tried over a dozen times to resolve this with no restitution and now I'm being charged late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I received a statement by TD bank about an opened checking account and I know this is a fraudulent account because I never opened it. I tried calling TD Bank but never got to speak to someone on their customer service line for about an hour after holding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a account with chase bank. I had unauthorized XXXX  transactions on my account. It was about 15-20 different transactions to people totaling about XXXX dollars. They gave me a provisional credit, then about 10 days later they took it back saying after they investigated they found no error had happened. Ive called them numerous times attempting to get them to reopen the claim but they are no help. Im coming to you guys as a last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: IL

Complaint narrative:
Hello and today I noticed an account on my Equifax consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on Equifax appears differently than on XXXX. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: DriveTime
State: MD

Complaint narrative:
I am distressed that you have included DRIVE TIME information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

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 2021-12-05 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I am distressed that you have included BRIDGECREST CREDIT COMPANY , LLC information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

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 2021-12-05 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am XXXX that you have included SUNTRUST XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

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 2021-12-05 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: IL

Complaint narrative:
Hello and today I noticed an account on my Transunion consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Transunion. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.

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 2021-12-05 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: Credit Technologies, Inc.
State: MD

Complaint narrative:
I am distressed that you have included CREDIT TECHNOLOGIES information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: IL

Complaint narrative:
Hello and today I noticed an account on my Experian consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Experian. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.

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 2021-12-05 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: Synovus Bank
State: MD

Complaint narrative:
I am distressed that you have included FIRST PROGRESS CARD information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am distressed that you have included CAPITAL ONE information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am distressed that you have included CAPITAL ONE information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXXInquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 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 non-monetary relief
Consumer complaint received 2021-12-05 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased XXXX tickets on XXXX in XX/XX/XXXX. And the show was cancelled and the tickets were refunded in XX/XX/XXXX. I should have to get the refund in XXXX, but I did not get it at all till XXXX. XXXX said they have already refunded me and I should find BOA. Therefore, I filed a claim with BOA to resolve this in XXXX. While I provided enough evidence to show that I should be refunded, however, BOA said that the claim is out of their time frames, which is so disgusting. My money could not get back .....

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 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show Navy Federal Credit Union is reporting inaccurate information on my consumer reports by using different Navy Federal Credit Union addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. XXXX XXXX XXXX XXXX purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from Navy Federal Credit Union. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from Navy Federal Credit Union. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX  making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation