vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report.It has been over 30 days and i haven't received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Granite Edvance Corporation
State: CA

Complaint narrative:
I have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: PA

Complaint narrative:
This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by trans union, XXXX, and trans union 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay 26 dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CA

Complaint narrative:
I have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I have never missed nor been late with a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: NE

Complaint narrative:
All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I have never missed nor been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
My credit limit was arbitrarily decreasing by {$650.00} causing credit score.to.tank. my credit score is still around XXXX according to their very own website. They said it was from what I understand to be unsolicited information from credit bureaus. I have been customer 5 or 6.years and have never missed a payment or been late with a payment and was making decent headway into debt despite covid 19. This decrease will start a snowball effect and negatively affect other cards. I am not in danger of defaulting and feel this was malicious and possibly racially motivated due to current racial tensions of country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Responded to a XXXX add selling XXXX XXXX XXXX. Communicated with the seller via text about the process. Agreed to a {$700.00} deposit to reserve a puppy. Once payment was made via Zelle using my XXXX XXXX XXXX account, the seller stopped responding to texts and phone calls. 

Date money sent : XXXX Amount : {$700.00} Transaction ID : XXXX Sellers name : XXXX XXXX Sellers email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have NOT received an update for CFPB Complaint- XXXX. Bank of America has not contacted me and all of the fraud charges need to be credited ASAP. I have only received a partial credit. Please RESOLVE this ASAP!

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 monetary relief
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
I noticed a inquiry on my credit report from Capital One that I did not make, I have reached out to them numerous times to let me know what is going on and have been either put on hold and forgotten or told they are not seeing an inquiry, I am very worried about identity theft and am very upset that Capital One continues to ignore the fact someone made an inquiry, I don't know if they approved a card and seeing that my credit is XXXX I know they most likely did issue a card, I don't know where to turn and hope you can help me get this resolved. I have uploaded the letter sent to Capital One back in XXXX and a screenshot of my XXXX XXXX showing the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have repeatedly tried to log into my BOA account in order to schedule my payment for XXXX. BOA keeps stating they are sending out a numeric password to validate the login and they never send it. I have repeatedly sent in requests today for it to be sent to the e-mail address on file as well as a text to my cell phone number. Nothing is sent. 

I am requesting Bank of America fix their technical problems so I can properly schedule my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: PA

Complaint narrative:
This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, equifax, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. XXXX will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: PA

Complaint narrative:
This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, XXXX, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on experian, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the XXXX data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AL

Complaint narrative:
On XX/XX/XXXX, CAPITAL ONE requested and obtained my XXXX consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. I have attached a copy of the subject inquiry.  Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

CAPITAL ONE conduct has violated my privacy and I am very upset by the privacy invasion. I am prepared to sue CAPITAL ONE for statutory and punitive damages, costs, and fees. However, I am open to resolving this matter via a prompt, amicable resolution. Accordingly, I offer to settle my alleged legal claims against CAPITAL ONE for {$1000.00} U.S. To accept, {$1000.00} U.S. must be delivered to my address above by XX/XX/XXXX. Note, settlement of this claim shall carry no implication of liability or culpability. Your failure to accept this amicable demand herein may result in me filing a lawsuit. 

Due to the nature of this allegation, I have copied, and this letter shall also serve as a formal complaint to, the Consumer Financial Protection Bureau ( CFPB ) and the Alabama Office of the  Attorney General Consumer Protection Division.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
The company portfolio recovery called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to porfolio recovery lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.

Company response to consumer: Closed with explanation