vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I called Capital one to let them know of the issue with reporting. They agreed late payments shown would be removed. XXXX, XXXX, XXXX XXXX. Three were removed but the XX/XX/2020 is still showing. The negative reporting is now affecting my credit and employment status in this pandemic. I would like to request the derogatory remarks and late payment reporting on my credit report to be corrected and removed as agreed previously. Thank you kindly in advance for your help and I appreciate your help dearly.. Many Blessings to you and yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This merchant has caused significant harm to my business. I paid them to send products to customers and they scammed me. I've had serious harm to my brand and had to resend all of these customer orders and pay separately for them while this money has been tied up in disputes. They blamed covid for the issues, but months later all of my customers still don't have their shipments. In tracking the shipments they all either say, " waiting for shipment '' ( meaning the merchant never shipped them ), or the tracking never says delivered. I have included in my previous correspondence all the tracking numbers the merchant sent me, and the results. They show that the products shipped were never delivered. The whole sale was a scam. Now, i will not be responsible for these purchases as they fall under the credit card protection for fraud. If I need to file this in court, I can. As you can see it's for a large amount, and it will be a serious charge due to the dollar amount.

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 2021-04-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello This account is showing incorrectly on my credit report. I do not own this account. Please correct and remove as it is affecting my credit and employment status Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally Financial is reporting an account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The account has late payments being recored against me in Metro 2 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification of missed payments. Ally Financial wont send any documents, bearing my signature, showing that I have had late payments that follow the rules of Metro 2 and compliance of reporting late payments.. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Ally Financial also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ally Financial delete this account off of my credit reports for good for violations against the Fair Set Collection Practices Act.

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 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dispute-Hard Inquiries : XXXX XXXX XXXX XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call Experian back.

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
No permission was given to this consumer reporting agency to report any of my consumer information which is a violation of my consumer rights, persuant to 15 USC 1681a ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding Experians assistance w/ this issue- I told her Experain was 1st called- no help- Experian stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
No permission was given to any consumer reporting agency to report any consumer information which is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I read about the Cares Act on the website and heard from various places about it. I have loans since attending XXXX, XXXX  XXXX, XXXX, XXXX, etc ... Since being with XXXX XXXX, now Navient, there has been a great amount of bad practices, particularly XXXX with interest and fees when I tried contacting them when I was struggling. They always presented forbearance, but never explained to me about IBR. Every rep spoke briefly and differently. Confusing to say the least and started to email but their responses and communication was so sparse that I accrued interest and more than 23 late fees and more than 9 administrative forbearances. Now with covid, they have provided no XXXX interest or relief of payments, in general. On the front page, it says federal loans are covered by the cares act from XX/XX/XXXX to XX/XX/XXXX. So FFELP, which is a federal loan, they say it is not covered because it is not US Department of Education, a private loan. I thought the information I was given was that these loans are government loans. There has never been a remedied solution to the past history of bad practices and now this. I didn't apply for forbearance, but that's on my record as well as on my credit report where it decreases my credit score. I am unemployed looking for a job but even when I inquired about it or other ways of help, they have not provided it when I emailed them. They keep provided misleading terms and information, even the IBR program. Their website doesn't define the interest accrued and that this education loan does not qualify for the CARES Act and what resources are available - everyone should have XXXX interest and if not able to pay, to be given the help they need. They continue to charge interest and get payments as usual, even during COVID. I can't believe the lack of service and attention and can't stand the business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- XXXX XXXX agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX  makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dispute-Hard Inquiries : CAP ONE NAXXXX CAPITALONE XX/XX/XXXX CAPITALONE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX  for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called CapitalONE- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands CapitalOne cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands CapitalOne cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 CapitalOne hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX  stated that they couldn't do anything-I had/needed to call creditors. Therefore CapitalOne was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The Capital One customer service was super sweet and my complaint is not against her. I hate to make a complaint about Capital One, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 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: MN

Complaint narrative:
Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 1. XXXX XXXX  on 01/27/2021 2. XXXX  XXXX  XXXX  XXXX  on 12/10/2020 3. Credit Information S on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
My mother and I retained the Lexington Law Group, advertised and described as a credit repair agency. Each and every month this unethical bogus company fraudsters debited my account for non rendered services, since 2019. We fullu complied with their requirements for timely processing and repairing our credit scores, however nothing has changed. This company XXXX  rotated us in an endless runaround, kept asking for the same set of documents over and over again ( multiple times we mailed to this company full set of records by the US Certified mail ). We were misled, cheated and XXXX. Subsequently our credit scores were negatively impacted as a result of this company deception and fraud. The company Directing and Managing attorneys ere notified in writing of existing chaos and corporate anarchy, however our concerns were never addressed nor resolved. In fact we've been ripped off and inadvertently depressed by this fraudmasters. Please assist us to remediate this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a card with Synchrony Bank a few years back. It was a their XXXX gas card from their car care family. In XXXX it was reported for fraudulent use. I was to be sent a new card but never received one. I have recently learned that a card was sent but it was stolen, activated, and used. I reported this to the credit bureaus and Synchrony Bank. I reported it within the required time. The bureaus removed it from the reports and have verified it as fraud ( via Synchrony Bank ). There are other accounts that have been opened in my name including a XXXX card and others. Synchrony Bank has not removed my name from the financial responsibility of these accounts, despite reporting the fraud to the credit bureaus. I even provided the identity of several people who are possibly involved. Recently one of them was arrested with several of my cancelled credit cards and an XXXX credit report obtained fraudulently. I currently have no accounts that I have opened in my name. Synchrony Bank 's refusal to remove these and any other accounts possibly linked to my name and social security number.

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