vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 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:
I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : Experian, XXXX and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on TransUnion. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on Equifax and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and Experian and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....

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 2021-10-03 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: FL

Complaint narrative:
Lexisnexis has incorrect information on my report. Misspelled names and addresses that are not mine. These misspelled names are linked to every address that is not my address. On record 5, lexisnexis reported a birthdate that is not mine. Lexisnexis reported that I graduated from a college in XXXX, at the age of XXXX which is incorrect. Because I graduated from high school in XXXX, at the age of XXXX. There are insurance policies that are not mine. I never owned a XXXX XXXX XXXX. I never owned a XXXX XXXX XXXX. I believe lexisnexis reported a lot of my fathers information on my report. Being that i am a JR. i want every incorrect name off my report. I want every single address that is NOT MINE removed off my report. I live at one address, and that is the address i want reported. I want those insurance policies that are NOT MINE removed off my report. Every phone number listed on my report has never been my phone number. I want those deleted immediately. I want that bankruptcy removed immediately. That is not my public record. That is not my address that is associated with that public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: CBC Companies, Inc.
State: TX

Complaint narrative:
My XXXX Mortgage is being reported in the remarks " Payment Deferred. '' This is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
On three occasions I have requested credit increases or inquiries and both agencies below continue to report information wrong. My first issue was with XXXX in which Lexis Nexis reported derogatory or public record. For over a year I tried to get a XXXX card until i finally disputed with them, they sent sent two reports that showed no derogatory record, within a week XXXX issued my new card. 

Now XXXX XXXX has sent me a denial showing XXXX as the consumer reporting agency. As i type this my current score on their own web page is XXXX yet they report XXXX to XXXX XXXX they also show derogatory public record which is linked directly to Lexis Nexis.

Both companies have been advised on two occasions about the lack of reporting accuracy. I am requesting that the CFPB please get involved, I run a small business and this greatly effects me and does not seem to stop. 

Request for credit requested XX/XX/2021 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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 sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, Equifax and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase Mortgage is being reported in the remarks " Payment Deferred. '' This is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had a check deposited into my Venmo account and I haven't been able to use or access any of the funds. They wanted ID and social verification and I sent that to them twice and still haven't been able to access the XXXX $ that are in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, {$5600.00} was fraudulently taken out of my business account at Bank Of America. The company that was involved in these unauthorized transactions was XXXX XXXX XXXX XXXX. I spoke with Bank of America on XX/XX/XXXX to inform them that I did not authorize these transactions. Bank of America open a fraud claim on XX/XX/XXXX. Several attempts have been made by me to resolve this matter, but the results are never in my favor. I also filed a police report about the fraud claim and forward a copy with a memo of what happen to Bank Of America. It is hard for me to understand how I can be treated in this way, being a customer of Bank Of America for eighteen years.I need to know what I can do to get this matter resolved in my favor and get my fund return to my bank account.

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 2021-10-03 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

Navy Federal Credit Union, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is NAVY FEDERAL NFCU. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for NAVY FEDERAL NFCU to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what NAVY FEDERAL NFCU mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by NAVY FEDERAL NFCU however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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

Complaint narrative:
I had a capital account for over 15 years, in which I almost never missed a payment. 
This XXXX, after paying more than the minimum due, I wanted to cover additional amount, in addition to my initial payment. 
The problem was that I didn't have online access to my account, and couldn't exactly when amounts were credited to my account. 
I twice made payments, but shorty before the funds were creidted to my capital one bank account, so eventually, they weren't credited to my capital one credit card account. 
A few days later I made a payment of my full balance of around {$10000.00}. 

Yet when trying to use my account, I wasn't able. Only when calling capital one I found out that they closed my account unilaterly after 15 years that I never missed a payment, because of those two ADDITIONAL payments I tried to make ( in addition to an additional payment years before that didn't go through. 
This unilateral action after 15 years without missing a payment really got me stuck in the middle of travel with no credit card, and they couldn't due anything about it. 

I hope you can correct this situation, and make sure that Capital One would not due this to its other loyal customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 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: NJ

Complaint narrative:
I have been in contact with Transunion several times now but there are still accounts that do not belong to me on my report. I called them a few days ago and was told to file a report with the FTC. I am hopeful that this time we can finally resolve this matter.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Every time I apply for insurance Am quoted an astronomical rate due to the fact that lexis nexis is reported inaccurate information.. I've tried to dispute this information with then on several occasions to no avail,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had gift card with Sacks Fifth Avenue, balance from card was stolen by someone, supposedly someone purchase some jewellery item and shipped to State or FL and multiple requests to a company to clarify was no avail. Company provided contradictory info and never provided to where funds or items were shipped, to whom, and I was recycled for 2 years. 

Company scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: NJ

Complaint narrative:
I've been in contact with Equifax over and over for a while now and they have been a big help. However I still have so errors reporting on my credit report. I lost my social security card and someone else was able to open accounts in my name. I recently filed an identity theft report with the FTC for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
I have sent in multiple complaints in regards the these accounts. Equifax flat out refuse to prove or make sure that my accounts are 100 % accurate! The employees and supervisor I spoke with gave wrong information and refuse to look into these reoccurring complaints that were never solved! Delete these Accounts ASAP!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Garvens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Please delete the following accounts DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF EDU XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
There are accounts showing as delinquent. However, they have been deferred and this is severely impacting my credit making it difficult for me to get a lease for an apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered fraudulent withdrawals from my debit and reported it to Bank of America and filed report with XXXX XXXX police dept. 
the withdrawals were made at atms at 5 different banks and emptied my card XX/XX/2021 XXXX XXXX {$800.00} XX/XX/2021 XXXX XXXX XXXX {$800.00} XX/XX/2021 Bank of America {$800.00} XX/XX/2021 XXXX XXXX {$980.00} XX/XX/2021 XXXX XXXX  {$500.00} I filed a claim with Bank of America on XX/XX/2021 I immediately filed police report with XXXX XXXX police next morning when they opened The bank removed that debit card and sent new one on XXXX XXXX. 

I called every day and a copy of police report as soon as I could I could not get anything but that it was being investigated every time I called then on XX/XX/2021 the withdrawals being investigated showed up as temporary adjustment credits then on XX/XX/XXXX I received a letter ( that was dated XXXX XXXX ) saying the transactions were authorized and posted correctly and removed the money. 
This was done even though there is evidence found by police and XXXX XXXX XXXX to prove it was fraud.

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