vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, issues hard inquiries on my account on XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I never requested XXXX XXXX XXXX services or authorized them. 
Initially I raised a dispute with Equifax ( Equifax Dispute Confirmation # XXXX ) but aren't of any help. Asked me to check with XXXX XXXX XXXX services. 
Today I called XXXX XXXX XXXX services and they are saying your mobile number is not associated with any of our services and asked me to check with my creditor ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I received a letter from Capital One that stated that I was being denied a credit increase on the account ending in XXXX for the following reason : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. 
I request that Capital One provide the following : The specific account activity that was used to deny my request for credit. 
A copy of my credit report and score used in this determination A copy of Capital Ones guidelines and policy for granting credit line increases. 
Facts : Credit Utilization Acct. # XXXX = 17 % late payments = 0 History = >7 years Resolution : I ask that Capital One reverse this negative credit decision based on the facts and my more than 7 years of perfect payment history. My income and payment history do not warrant a denial of credit. Capital One should ensure that no discrimination or unfair practices are affecting this decision. 
I have a stellar account in perfect standing and yet no credit line increase request has been granted in approximately 4 years. I ask that a detailed review be conducted and that my request be granted based on my history as a model customer of Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Main Street Personal Finance
State: MI

Complaint narrative:
On XX/XX/18 at XXXX XXXX, I received a voicemail call stating the following ; Good morning this is XXXX XXXX from the compliance and processing division with asset (? ) XXXX. We are trying to locate and notify my ( first middle last name ) in reference to fraudulent activity that has taken place being associated with your social security number ending in XXXX. Associates in the legal department here has received the legal authorization to process this case against Ms. ( last name ). Case number XXXX into XXXX County District Courts. Ms ( last name ) once this case is charged, all legal rights will be forfeited. Service and process will be completed at a verified home address and/or place of employment and you will be due to appear for the matter. If you would like to have this case dismissed, you will need to contact the legal department immediately at XXXX ext XXXX. ( first middle last name ) you have officially been notified good luck to you. 

She also called a a third party ( friend of mine ) without my consent, stating the same. Using yet another phone number different from the ones they called me from. Im unsure how they even have her contact info. Afraid that this has happened she called me in a panic to ensure I was aware. I had my attorney contact them moments afterwards. He learned its actually a debt collector regarding a debt of mine. He asked that they not call back and would consult with me regarding it. On Friday XXXX called me again from yet another phone number different than the first and was very rude and obscene. When I asked did they speak with my attorney she became much louder and obscene with me. I asked that they contact him as Im sure he advised if they had anything to provide for me. She got louder, I asked if she was familiar with how the FDCPA worked, she said yes, and I informed she should know that the lies they left on my voicemail and my friends, are wrong and against the policy. Not once did she state they were a debt collector, but there was fraudulent activity on my credit according to the last four digits and my entire government name, and that they were not to contact me again. I then hung up. Two more times after that I received phone calls from another Michigan number that I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my EXPERIAN AND XXXX credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.

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 2018-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had purchased a wedding band ring, which I returned due to it did not fit, I had made contact on three different occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) when I made contact on XX/XX/XXXX, I was given a confirmation number of : XXXX, as of today I am not seeing a credit on my any of my JCPenney credit card statements. 


Thank you for your order, XXXX order number : XXXX order date : XX/XX/XXXX shipping address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone : XXXX gift wrapping no gift wrap payment payment information JCP Card XXXX billing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : XXXX Some items in your order may be charged in separate transactions status : In Process method : HOME DELIVERY routing : USPS These items will ship from the manufacturer on the date indicated below. 
14K-Y MNS PLN WB 6.0 SIZE 10.5 - DIRECT ONE SIZE 2751007 qty : 1 status : In Stock {$460.00} each Item Total : {$460.00} total : {$460.00} merchandise subtotal : {$460.00} total savings : {$0.00} order subtotal : {$460.00} shipping & handling {$0.00} gift wrap : {$0.00} tax : {$34.00} order total : {$490.00} XXXX : XX/XX/XXXX XXXX should i wait for a confirmation number XXXX : at XXXX the confirmation number is going to be XXXX. The full return will be credited to card Sent on XX/XX/XXXX I ordered the following, the ring was the incorrect size, so i returned it, however i am not seeing any credit. Please advise. 
Thank you for your order, XXXX order number : XXXX order date : XX/XX/XXXX JCP Card XXXX 14K-Y MNS PLN WB 6.0 SIZE 10.5 - DIRECT ONE SIZE 2751007 qty : 1 {$460.00} each

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 2018-10-14 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: CA

Complaint narrative:
XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my XXXX AND TRANSUNION credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.

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 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I.Q DATA INTERNATIONAL dba : XXXX XXXX XXXX, VIOLATED STATE OF ARKANSAS CONSUMER LAWS. ATTACHED PLEASE FIND LAWSUIT BEING SERVE TO YOUR FIRM VIA CFPB PORTAL. SEE YOU IN COURT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: FL

Complaint narrative:
I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that Equifax and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: FL

Complaint narrative:
I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with  updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX  and Trans-union are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.

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 2018-10-14 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 have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.

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 2018-10-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The  latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: CA

Complaint narrative:
XXXX XXXX, acct. no.XXXX  ...., though reporting correctly on XXXX  and XXXX  ( attached report ) has a minor error on Transunion that makes it a negative. 
I've only seen this on a 3rd party report, since Transunion online has technical problems and I can't get online.I 've called the number Transunion gave me and the technical people said it was fixed but it isn't. 
The problem on the XXXX acct is that even though it says 0 days late in the history, it says verbally '' pays 30-59 days '' .Please correct this error.

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 2018-10-14 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: OK

Complaint narrative:
there reporting that I open my student loan in XX/XX/XXXX in which if they would review the promissory note they would see I opened my student loan in fall of XX/XX/XXXX at XXXX XXXX that's the only promissory note every signed, under fair credit reporting act it is unlawfull to change dates and if shown the information being provided to inaccurate the credit reporting agancys must delete the account, have have requested on at least 4 times the information in inaccurate and they still respond with its been validated, im now asking them to please provided the document that is being used to validate these dates that are being reported,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: OK

Complaint narrative:
there reporting that I open my student loan in XX/XX/XXXX in which if they would review the promissory note they would see I opened my student loan in fall of XX/XX/XXXX at XXXX XXXX that's the only promissory note every signed, under fair credit reporting act it is unlawfull to change dates and if shown the information being provided to inaccurate the credit reporting agancys must delete the account, have have requested on at least 4 times the information in inaccurate and they still respond with its been validated, im now asking them to please provided the document that is being used to validate these dates that are being reported,

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 2018-10-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2018-10-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once  identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
When applying for a credit card through Chase Bank ( in partnership with XXXX XXXX ) as advertised in the check-out process on XXXX 's  website ( XXXX ) I was supposed to receive a {$100.00} credit for the transaction through the website today of purchasing airfare on XXXX 's website, as well as miles from the purchase. Neither of those things happened. 

In speaking with XXXX and Chase Bank, it appears that somehow on the back end my information was lost in the purchase process, and, that Chase Bank has no record of me applying for the card found at the link below. 

The link below is like the one I clicked during my transaction, and it clearly states that should be receiving a {$100.00} statement credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have stuff in collections thats are not mine. Student loans and phone services are not mine. XXXX and etc. Also other things that was inaccurate that i dont evsn know about or even know how someone was able to do that. i was also a victim a identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomason Law Firm, LLC
State: NM

Complaint narrative:
I have not received any medical treatment or services from this hospital and they are in error. The money owe was for services my wife received. The collection agency has consulted with a law firm who in turn have reported me as owing this debt with is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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 received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for XXXX XXXX from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and now in XXXX XXXX on board XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. Equifax and XXXX will not let me report this fraud or activate a freeze without buying a product.

Company response to consumer: Closed with explanation