vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-04-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my XXXX, XXXX, and Experian credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

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 2019-04-04 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: VA

Complaint narrative:
After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX   {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX {$630.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.

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 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There were unrecognized unauthorized transactions and I contacted Chase to stop the transactions but the representatives said there's nothing they can do, and didn't offer any alternative or advice. It has been months and there were still recurrent monthly withdrawal transactions. As frustrated and inconvenient as it can gets, I had to take the time to personally go into the local branch last week and demanded the stop of transaction. A banker assisted me to stop the unauthorized transaction. Anyhow, the unauthorized transaction went through again yesterday. I spoke with multiple bankers including the branch manager, and they all said there's nothing they can do. If this is Chase 's company policy, to unable to stop / still allow any transaction to go through even with the account holder personally went into the local branch to put a stop on it, then you lost our confidence in banking with Chase. There are no customer service obligations and definitely not a respectable business practice for an established financial institution. Up till now, Chase is still allowing the transaction to withdraw from the company account against my will even after I personally ordered a stop. I will demand a refund for all unauthorized transactions and file a complaint for this illegal practice of consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have requested complete proof of the alleged debt several times in the form of a signed and dated contracts in he Form of an Affidavit of Truth and Fact to demonstrate liability of the alleged debt on several occasions to no avail by certified Mail Signed and Dated by an Authorized Notary, Proof of claim over the last 36 months, Discover XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Kohl 's today to have my spouse added as an authorized user as the option is not available online. I was asked if it should be effective today and I agreed. When I provided his name I was told we would need to wait about 3 weeks on a letter, fill it out, send it back, and then he could be added. When I asked why it couldn't be done today I was advised it was because we don't share the same last name. This is discrimination based on marital status. I spoke to an agent, a manager,  and a supervisor but all stated this was company policy. The policy is discriminatory. Because we don't have the same last name we can not receive same day service. If the option is available to some it should be available to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: LEXISNEXIS
State: NY

Complaint narrative:
Last year I contacted LexisNexis stating they were reporting to insurance companies erroneous information about the fault concerning an accident I was involved in. After a hearing XXXX XXXX sent me a notice saying I was not at fault. I furnished a copy to LexisNexis. I recently found out from XXXX nothing as to the correct status of that claim has been updated and as a result I have been charged a higher rate for auto insurance. To me, if LexisNexis is going to be in the reporting business, they need to change their practice as it is causing folks harm financially. I contacted them multiple times and sent them proof. Over a year later I come to find they've done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Complaint against credit bureau XXXX & Transunion. 

I sent 4 letters for them to verify accounts that were reporting to my credit report. I asked for them to mail me a copy of the paperwork with my signature to validate the account was mine. They received all four my letters, and responded back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That they " updated '' & verified the accounts are mine without showing me any proof. On XX/XX/XXXX they sent a letter stating " Unless you send us additional relevant information to support your claim, we will not reinvestigate this information again. '' How can I so support to my claim on accounts that aren't mine? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract. They never sent physical verification.

Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

My next step is to take them to small claims count and sue. Send letters and paying for shipping cost me money, and time!

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 2019-04-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
They will not communicate by email. Their website " contact site '' says : To email us, log in to your account and access the Email Us feature. I am in my account and there is no such " feature ''. It doesn't exist. 

Repeated calls every 2 hours, never leave a message. 

I am behind. No kidding. It is temporary hopefully. No way to communicate that to them without telephone harassment. 

Also says I owe for XXXX but I don't. I have payment coupons from them that says so. Repeat offender over and over through the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
i have three cards that were opened in 2017 after the XXXX breech and i did not obtain nor authorize any of them ive contacted them constantly to remove them and ive disputed them with the bereaus as well ive also filed police reports on all of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: VA

Complaint narrative:
After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX   {$630.00}, XXXX  XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.

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 2019-04-04 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: VA

Complaint narrative:
After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX/XXXX   {$630.00}, XXXX XXXXXXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Cooling and Winter, LLC., Whom are representing XXXX XXXX in this case, have executed a judgement against me that was issued in XX/XX/XXXX and began a garnishment of my wages XX/XX/XXXX with an alleged balance owed of {$4300.00}. Through investigation, I learned that the statute of limitations on executing a judgement in GA. is 7 yrs. but can be re-newed forever as long as the request is submitted and granted from the court. After unsuccessful attempts at getting much info or documentation from Cooling and Winter, I contacted XXXX XXXX and was told by guy handling this case that the balance was now {$6800.00} with an explanation of the nearly {$2500.00} difference that accrued in less than 2wks. from the balance that was given on forms sent to my employer to begin garnishment was due to interest and other fees and that a lump sum of {$4000.00} was the best offer available to settle the debt. After this, I searched the court records on-line and found that after the judgement that was issued in XX/XX/XXXX, the next and only other records the court has are the XX/XX/XXXX documents that started the garnishment process. I called immediately and spoke with a representative from the court who confirmed that the documents shown on-line were the only documents recorded. No record of Scire Facias or anything indicating that the judgement was re-newed. She even updated them, adding my middle initial because of high volume of cases that share my same name. A judgement has been illegally executed after the SOL expired, my wages are currently being garnished because of it and through my experience and investigation, have realized this is not uncommon practice for Cooling and Winter and I believe XXXX may have to answer for their role in this 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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have noticed that CAP ONE NA have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both CAP ONE NA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible  purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX  and EQUIFAX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Creditrepair.com, Inc.
State: NY

Complaint narrative:
CreditRepair.com are a bunch of absolute scumbags. I went to them for help and they stole money from me. I went to sign up and was told in 30 days I would be charged {$99.00}. Instead they took out {$200.00} the next morning ... and refuse to give me the full refund. I have called both XXXX AND CreditRepair.com and both have been complete XXXX. XXXX said there is nothing they can do and CreditRepair.com swore to pay me back in full and have refused. To just put you into perspective of how infuriated I am ... I've called about this every 2 days and today CreditRepair.com made me wait an HOUR AND A HALF ... on the phone and not one person answered. Also they never reply to emails, live chats or even XXXX. They are complete XXXX  and I want my money back. And XXXX? Thanks a lot for doing literally nothing to protect me from fraud, why am I a customer again? Congrats I'm not anymore. No files are attached below because CreditRepair.com never sent me proof of the conversation confirming the full refund. Huge Surprise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have noticed that XXXX  XXXX XXXX have placed an inquiry on my TRANS UNION credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX  and TRANS UNION to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the  consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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