vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 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/XXXX i submitted a dispute to Experian re : an unverified and inaccurate account XXXX XXXXXXXXXXXXXX listed on my consumer file. this was sent via USPS tracking number XXXX XXXX XXXX XXXX XXXX received on XX/XX/XXXX, Asked for verification of ( a ) when was this account closed? and by whom? ( b ) how is it that from XX/XX/XXXX to XX/XX/XXXX only two on time current payments were posted, one negative on XX/XX/XXXX and data unavailable for the other years? over a seven year period. So are they reporting negative data on a closed account 6 years later? 
i emphasized that they are required to report correct and verifiable information. i showed many inconsistencies with this reporting of erroneous data, yet they updated the report on XX/XX/XXXX report number XXXX to reflect no credit limit, changed the on record date to XX/XX/XXXX from XX/XX/XXXX Not one questions or legitimate concerns was addressed nor any proof was submitted! XXXX on the other hand DELETED the same account. they are in multiple violations of the fair credit reporting act including 611.  ( a ) ( 5 ) ( A ) ( i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One fails to accurately post my available and pending balances regularly. I've discovered that when the balance is getting low they claim I have more funds that I actually have. I have images showing the balance showing one amount and then later changing the amount without any new transactions. Balances do not line up from moment to moment. It's done in order to force customers to over spend thus causing overdrafts. There are many days when I open my account and the balance next to each item is blank. It took me nearly two decades and nearly {$25000.00} in overdrafts to discover the fraud being committed. I sent my documents to them through the complaint process asking for the last year 's overdrafts. They failed to respond to me with the outcome, so I don't have a copy of the letter. They did send the letter to consumer finance who read it to me. They did not even address the issue I complained about. It was like they ignored my documents, my letters, and my complaint completely. This tells me they know they are stealing from customers. I want my overdrafts returned to me, as at least 75 % of them occurred to false reporting of my balances. I submitting an example of what I am talking about, as well as today 's view of my transactions with blank balances next to each item. I honestly do not know if and when my balance is ever accurate. Capital One, you have my permission to show my records to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: CA

Complaint narrative:
I have contacted Sarma Collections in Texas. Per XXXX XXXX my name nor XXXX can not be found in their files. I have never traveled to Texas which is where the XXXX center is located. I have spoken to several Employees at Sarma and the XXXX XXXX to correct this matter. I am not responsible for this debt and would like to have the matter resolved as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: MI

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I got the loan from the finance company to purchase my new vechile on XX/XX/2019, well on XX/XX/2019, My vechile was impounded for 30 days for driving without a driver 's license.So 2 weeks into the impoundednent I called the finance company and asked them if they could put the impounded fees on the back of my contact, so that I can be prepared and get my finances in order for my bills for the month.well the finance company said that they wouldputthe impounded fees at the end of my contract, so I made used the money for other plans I had.on the day of the pick up day for the car, the finance company said that I had to come up with all the impounded fees which is XXXX, I told them there's no way I have that type of money, that's why I called you 2 weeks ago and ask you if you could put the impound fees on the back of my contact, so I can gather up the money and you said yes.and now they said that I can't receive the car in till I pay the fee of impound.i have not been irresponsible I have never been late on my payments.im upset cause they told me yes then on the day to pick up my car they said no they want the payment of the impound fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
I contacted all the credit berue on XXXX cause i have so many hard inquires made without my authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: GA

Complaint narrative:
XXXX XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: DISCOVER BANK
State: TX

Complaint narrative:
I contacted all the credit berue on XXXX cause i have so many hard inquires made without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted all the credit berue on XX/XX/XXXXcause i have so many hard inquires made without my authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: GA

Complaint narrative:
XXXX XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.

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 2019-08-01 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: GA

Complaint narrative:
XXXX XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.

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 2019-08-01 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: GA

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),

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 2019-08-01 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: GA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: GA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account 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 2019-08-01 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: GA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account 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 2019-08-01 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 am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap .. XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX/XXXX ( reported twice and this one is reported for collection which is definitely false ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX ( account reported as closed Chapter XXXX bankruptcy - this is incorrect, XXXX account is in deferment and not for bankruptcy because I did not file this for bankruptcy, and account reported 10 times ), XXXX XXXX XXXX I ( ORIG CREDITOR : XXXX UNIVERSITY ), XXXX XXXX, XXXX/XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: GA

Complaint narrative:
I have disputed the student loan XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-08-01 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: GA

Complaint narrative:
why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. Equifax, XXXX and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. XXXX, XXXX and Transunion did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. XXXX, Experian and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX - XXXX of XXXX  Barclays US did not send me my bill or statement. While I was left in the dark I missed 2 monthly payments and was 60 days late. This was not my fault as the company did nothing to contact me about a payment being due or even after I was late. 

I contacted Barclays US about this issue and they would not admit fault and would not take the late payment mark off my record.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX, XXXX XXXX XXXX

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This complaint concerns " vanishing '' reward points on my Chase Sapphire card. I had XXXX reward points worth {$24.00}. I chose to redeem these for an Amazon gift card to be delivered to me by mail. 

Chase confirmed my order via email ( confirmation # XXXX ) and stated that my Amazon gift card should arrive by XX/XX/2019 ( copy of Chase email attached ). 

The gift card has not arrived, but my Chase Sapphire account now indicates " XXXX '' reward points. Chase has eliminated my reward points, but I have not received an Amazon gift card. 

I have logged into my Chase Sapphire account and messaged Chase about this matter, but have not received any response. 

My name and account information are as follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Chase Sapphire account ending in XXXX.

Company response to consumer: Closed with non-monetary relief