vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 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:
I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.

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 2019-03-24 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: FL

Complaint narrative:
The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX  {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} TXXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 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:
The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX   {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX   {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}

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 2019-03-24 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: FL

Complaint narrative:
The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX   {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX   {$1700.00} XXXX XXXX {$220.00} XXXX  XXXX {$77.00} XXXX {$150.00} XXXX XXXX {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX {$53.00}

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 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I made my first couple payments with my savings account. They were accepted with no problem. 

When I tried to make my next payment it said accepted. Then it was returned. So I tried again and it was returned again. This brought my XXXX credit limit over by XXXX. 

I called to make sure my account would not be closed due to the overlimit and returned fee and I was reassured everything was fine. 

A day later my account was closed due to returned payments. I do not feel this was fair. I made all my payments on time and was never told I could not use my savings account. I would like my account reinstated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I could not apply online. I have had XXXX in the past -- no help logging in

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 2019-03-24 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: CA

Complaint narrative:
On XX/XX/2018, I disputed Acct # XXXX with XXXX XXXX XXXX XXXX. I received a response around XX/XX/2018 from Experian that they had completed an investigation and found this debt to be mine. My letter Experian clearly stated that I was requesting validation with a signed original contract that this debt was mine according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ). Experian has failed to prove me with proof that this debt is actually mine. I have repeatedly asked for Experian to send me a copy of the original signed contract they have on file in compliance with the FCRA.

Because Experian has failed to validate this debt over 3 times in my requests in XXXX, XXXX, and XXXX I believe that Experian has violated the Fair Credit Reporting act section 611 in their failure to validate this debt and produce the signed original contract within a timely and fair manner. Clearly this behavior is against consumer debt practice law and the Farir Credit Reporting Act which was put in place to protect consumers like me. Due to the failure to validate this debt according to the Fair Credit Reporting Act I would like this to be removed from my credit reports.

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 2019-03-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was fraudulently charged {$210.00} by " XXXX * XXXX. '' I informed Chase of the charge, and they reversed the charge and issued me a new card number. However, on XX/XX/XXXX, Chase re-charged me for {$210.00}. I called Chase 's fraud department on XX/XX/XXXX who informed me that " XXXX * XXXX '' provided proof of purchase of an " oil pastel. '' Chase requested that I provide " proof '' that I did not make this purchase, so I provided an Identity Theft Report from the FTC and awaited follow-up. 

On XX/XX/XXXX, I received written correspondence from Chase that they still believe the charge from " XXXX * XXXX  '' is valid. I have called and left messages at " Senior Specialist '' XXXX 's number without response. Despite repeated attempts at informing Chase that I did not initiate or approve of this charge, they are still billing me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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:
On XX/XX/2018, I disputed Acct # XXXX with XXXX XXXX XXXX XXXX. I received a response around XX/XX/2018 from XXXX that they had completed an investigation and found this debt to be mine. My letter XXXX  clearly stated that I was requesting validation with a signed original contract that this debt was mine according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ). XXXX  has failed to prove me with proof that this debt is actually  mine. I have repeatedly asked for XXXX  to send me a copy of the original signed contract they have on file in compliance with the FCRA. 

Because XXXX  has failed to validate this debt over 3 times in my requests in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe that XXXX has violated the Fair Credit Reporting act section 611 in their failure to validate this debt and produce the signed original contract within a timely and fair manner. Clearly this behavior is against consumer debt practice law and the Farir Credit Reporting Act which  was put in place to protect consumers like me. Due to the failure to validate this debt according to the Fair Credit Reporting Act I would like this to be removed from my credit reports.

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 2019-03-24 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: MO

Complaint narrative:
Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.

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 2019-03-24 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: MO

Complaint narrative:
Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX. XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: MO

Complaint narrative:
Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX. XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.

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 2019-03-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter XXXX, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open Santander has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX  I have once again sent letter # 2 to all credit bureaus requesting the same information once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Service Systems, Inc.
State: AR

Complaint narrative:
I lost my job XX/XX/XXXX, and bought an lemon car that messed up on me and my kids. I couldnt afford rent so XXXX XXXX gave me an eviction notice and told me and my kids to be out by XX/XX/XXXX after pleading with him.. I called XXXX and told them to turn off my lights and I moved in with my mom at XXXX XXXX XXXX XXXX apparently they didnt and I was homeless and broke XX/XX/XXXX I never made that payment I believe XXXX XXXX was using my utilities until she moved. Im not paying for something I obviously didnt use. My mail wasnt going there or nothing He moved her in the next day. Why XXXX didnt stop my account when I told them to is not sitting well with me.. I want them to show me proof this is my account that I used those utilities I have proof I was not a resident at XXXX XXXX XXXX as of XX/XX/2017 this account needs to be immediately removed from my account and added to XXXX XXXX or XXXX XXXX. I XXXX paid XXXX light bill for me in XX/XX/XXXX. how could I have possibly ran up a XXXX light bulb I wasnt even there a full month after that was paid.. something aint adding up .... and I shouldnt hasnt no bill been in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My social security card was stolen with lots of my document in the year 2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report

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 2019-03-24 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
My social security card was stolen with lots of my document in the year XX/XX/2017during XX/XX/XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My social security card was stolen with lots of my document in the year XX/XX/2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report

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 2019-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX  instead of being removed like it shows on my XXXX report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.

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 2019-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX  has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my experian report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for Experian I have once again sent letter # 2 to all credit bureaus requesting the same information once more.

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