vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Will not remove late payments in goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XX/XX/1969 my complaint is that there's a judgment on my equifax credit report from XXXX XXXX the credit reporting agency unlawfully report this fraud item on my equifax credit report. Judgment s no longer and tax Leins don't suppose to report on my credit report that applies to all consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX/XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2021-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021. I purchased a ticket for my fianc to travel from XXXX to XXXX XXXX. Trip was for XX/XX/XXXX. The ticket was purchased via XXXX ticket cost {$550.00} on my capital one 360 debit card. 

On XX/XX/2021. I got an email from XXXX that the ticket was canceled. Due to COVID-19 anyone that has been in XXXX within two weeks will not be allowed to travel to USA. 

I called XXXX to rebook the ticket to another destination but they said because I booked via XXXX they will not be able to help. They said XXXX needs to refund me. 

I called XXXX to try to reroute his ticket but they will not. They kept telling me that theyll get back to me. I had to purchase another ticket entirely for my fianc to travel. 

I called XXXX several they said theyll get back to me on refunds. They never called me or sent any emails as of Today. I called them again Friday the XXXXXXXX XXXX  after I got the email of denial from capitalone. They still said theyll get back to me maybe in XXXX. 

I called capital one 360 to explain why they decided in the favor of XXXX and I honestly dont understand a reason. 

Capital one 360 claims XXXX had provided a proof that they tried to resolve the matter with me but thats a BIG FAT LIE!!! Till today as we type. I have not heard from them ( XXXX  ) Not phone call not email. No refund of my money. No travel voucher. I feel scammed : ( Ive never felt so bad on that my bank will not have my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MD

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 

Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX  Inquiry : XXXX XXXX, XXXX  I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. 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 2021-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 

Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. 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 2021-08-09 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: MD

Complaint narrative:
TransUnion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021, I purchased a XXXX  for 6 Non-invasive XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX in XXXX, VA, which cost {$190.00} after a XXXX  discount. I attempted to contact them by phone several times and finally reached them 2 weeks after purchasing. Upon contact by phone, I learned that the XXXX  only impacted the XXXX XXXX of XXXX and due to XXXX XXXX I XXXX XXXX that was beyond the XXXX XXXX so the treatments would not work for me. I contacted XXXX  by phone but an automated message veers customers to an online chat. I submitted a request for a refund per an inquiry form on the XXXX  webpage 3 times between XX/XX/XXXX and XX/XX/2021. After still not receiving a refund back to my original form of payment by XX/XX/2021, I filed a dispute with my credit card company, Capital One. I have since received a letter from Capital One stating that per the merchant, I never cancelled the order which is false. I cancelled the order on XX/XX/2021 and many more times after that via the XXXX website. I could not reach the merchant for weeks after purchasing the XXXX  and when I did, I discovered the service was not conducive to my needs. XXXX has refunded the & XXXX in XXXX XXXX  and not to my credit card as I have asked continually. My credit card company has not refunded the XXXX back to my credit card company and has claimed that I didnt cancel the purchase although I did several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed a company by the name of " midland credit and XXXX  has not requested this company to prove the collection account is mine. I do not know who this company is. The amount is XXXX dollars, and I had to ask XXXX  twice to file a dispute. the first time I filed a dispute about this company the dispute number was XXXX, and when I called to check on the dispute they said they did not know what I was talking about. I filed another dispute XXXX, and they did not investigate, they just settled on non-information from this company " XXXX XXXX. I sent XXXX XXXX a dispute and they never sent me proof that the account was mine and the thirty days were up. And I disputed through XXXX  and they did not do a proper investigation. 

XXXX  will not disclose to me how this company ( XXXX XXXX  ) proved that this account is mine, I do not know who XXXX XXXX is. The other account is XXXX  XXXX XXXX  did not ask for them to send information that I owe that amount, the account number is XXXX, I do not owe this amount and I don't know who this is the company is, XXXX  does not request a proper proof. both disputes are under XXXX. When I called the associate, the XXXX  associate had trouble understanding XXXX and I tried my best to explain but the disputes are not properly being verified, and midland credit puts derogatory information on my credit report with XXXX  every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I couldnt open any bank account they said because of consumer report Im wondering whats wrong with my credit report and Im sure theres no debt in my credit report history as long I know I was clean and now i cant open bank account so please if can help to know whats going on with my identity I appreciate Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CT

Complaint narrative:
In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my XXXX XXXX and TransUnion credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.

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 2021-08-09 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: CT

Complaint narrative:
In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my Equifax, XXXX, and XXXX  credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently was disputing a collection on my Equifax credit report. When my credit report was updated to say an investigation was in progress, the date of the account was changed and my credit score immediately dropped 46 POINTS!! Why am I being penalized for trying to lawfully dispute something in my credit report? > In addition, the statute of limitations for reporting this collection on my credit report will expire in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
Village capital investments LLC has an absurd 7 business day review of payoff requests that are then physically mailed to the requester. This policy exists for no reason other than to delay the payoff of a mortgage to collect more interest or interfere with the closing of a home in the hopes of ruining the sale, again to continue to collect more interest. Our payoff request was submitted XX/XX/XXXX, we received no notice that there was an issue until the title company contacted them the XXXX to ask what's taking so long. Village capital informed them that since there was no wet date on the document, despite being a wet signature and the fact that the date of the signature of the document is irrelevant to the request, it would not be processed. Again, clear indication of arbitrary policies that exist for no reason other than to delay processing for the purpose of interfering with the paying off of the mortgage to collect more interest, either through delay or fully stopping the sale of a home. I called village capital on the XXXX and was told it would take 7 days. I was not told 7 business days and even a personal request from myself for a payoff date would put me at the back of the line. My calls then began to be screened by the company, calling 4 times between the XXXX and XX/XX/XXXX, getting through the automatic system and it hanging up. I know my calls were screened because we called on my wife 's phone on the XXXX and went right through to a representative. The XXXX was supposed to be the close date of our home. Since we had to extend our class date we also lost the home that we were intending to purchase because it was contingent on close. Since we lost the purchase, we have to pay thousands to extend our rental. The representative clarified it was 7 business days but refused to elaborate why the policy exists. I have family that worked mortgage servicing in theXX/XX/XXXX 's that provided same day payoff amounts with per diem rates. These policies have no valid reason for existence and are designed to harm the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address Transition had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on Transuion credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.

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