vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My account has been closed its going to be two now, Bank of America closed my account my mother gets her Security direct deposit to the account and they havent give her money I need help

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 2020-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was in a wreck XXXX total loss on my end. My car insurance XXXX paid it off as well as GAP insurance paid the remainder. When I look on to my credibly report on XX/XX/XXXX. I seen that I still had an account with Santander consumer. And it was more than {$33.00} approximately. So the company stated I owed interest rate, late fees. And that price wasnt added into my total cost. So I reached out to XXXX, they stated with Proof, the Title And Agreements that they received from Santander Consumer, I will not be responsible of everything that was agreed upon. So i recently reached out to them after 3 yrs of giving proof to XXXX  about the information. They are still trying to receive {$3400.00} from me that I dont feel that Im not obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2019 IS REPORTING A 30 DAY LATE PAYMENT. 

EXPERIAN FAIL TO VALIDATE THE 30 DAY LATE PAYMENT

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 2020-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TransWorld Sys Inc, neglected to provide me with verification of account information. When ask representative to provide me the account number with several attempts to settle debt ; if debt is accurate, caller disconnected call by hanging up. I requested the company to provide verification of debt information, and my request was declined by stating, We don't have to provide you with any details, you need to pay your debt. I have made several attempts with this company and to no avail has receive any appropriate responses to verify debt and attempt to settle. Only responses im receiving is TransWorld updatibg information on all three bureaus reporting agencies continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX This credit is reporting a XX/XX/2019 as a 30 day late. 

XXXX XXXX failed to validate the 30 day late, was never 30 day late.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been paying faithfully on my account without any problems. Company chose to close my account anyway.

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 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2019 THIS ITEM LISTED ON MY CREDIT REPORT IS REPORTING A 30 DAY LATE. 

THIS COMPANY HAS FAILED TO VALIDATE THE 30 LATE, AND ITEM IS NOT CORRECT.

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 2020-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
I recently had my credit information researched by a ID credit protection company and they informed me of the following information. I have never applied for a payday loan. 
Some one has used my name or SSN without my knowledge or approval. I don't understand how this could happen without me being contacted for approval. On XXXX separate occasions. If I had not had my information researched I would have never known. 

Your Social Security number and/or name has been found associated with a new non-credit loan. 

Merchant XXXX : XXXX XXXX XXXX Merchant Location : XXXX XXXX, CA XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX Customer Support : XXXX Fax Number : XXXX Email : XXXX Merchant Phone Number ( XXXX ) XXXX Loan Date : Unknown Loan Amount : {$850.00} Loan Status : Collections Loan Date : Unknown Loan Amount : {$900.00} Loan Status : Collections

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 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX THIS COMPANY FAILED TO VALID THE DEBT. THE DEBT IS UNVERIFIED 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 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I tried to set up an account for online access and it wont send me a 6 digit code I called capital one multiple times and they still wont fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I see multiple 30 & 60-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 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX EXPERIAN FAILED TO VALIDATE THIS ACCOUNT. THIS ITEM IS INCORRECT. THIS ITEM WAS PAID DIRECTLY FROM XXXX. AND THE UNIVERSITY WAS PAID DIRECTLY. THE UNIVERSITY REPORTED THIS ITEM AS A COLLECTION, AND FALSE. WILL SEEK LEGAL ACTION, IF NOT CORRECTED.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I WAS APOROVED AND SENT CARD See attatched Capital One Credit card statement due date XX/XX/2019 card ending XXXX I WAS UNABLE TO ACTIVATE AND USE CREDIT APPROVED. 1 )?? WAS IT BECAUSE I AM XXXX & CAP ONE IS NOT WCAG 2.1 ADA COMPLIANT FOR MY XXXX  XXXX? 2 )?? WAS IT BECAUSE I am XXXX unknowable technology? 3 ) WAS IT because see attatched Cap One XX/XX/2019 DATA SECURITY ISSUE? WAS THIS PUBLICLY ANNOUNCED IN THE NEWS?? See attatched Fax Documentation Provided to Cap One TO NO AVAIL. I had to close this account because could not use. This lowered my credit score. Cap One is NOT ADA COMPLIANT CONSUMER UNABLE TO ACTIVATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
XXXX, XXXX ACCOUNT # XXXX THIS ITEM HAS UNVERIFIED ACCOUNT. THERE HAS BEEN NO COPY OF ANY ORGINAL DOCUMENTATION THAT IS REQUIRED UNDER SECTION 609.

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 2020-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ITEM IS UNVERIFIED ACCOUNT. Company has NOT provided any original documentation that you have on file required under section 609.

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 2020-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This stems from a fraudulent medical bill from XXXX XXXX  for services never rendered. I have beaten this fraudulent bill twice in 4 years from other creditors trying to get a quick payoff or they would ruin my credit. Capio partners has made it there goal to completely harass me for the last 3 weeks by consistently bombarding my credit report with almost {$3000.00} in small increments.The original bill was less than {$1000.00}? but every time I fight and get one knocked off my credit they come right back with more fraudulent hits. I dont understand how I keep beating them but they can put whatever lying, fraudulent and corrupt billing on my credit report and it is not even being monitored? Do we have no protection against our credit? How many times do I have to get this knocked off my credit and how many times do they have to come back with more false allegations. Eventually there going to state that I owe them {$100000.00}? Why do they have the right to put whatever they want on my credit report? What gives them the right to totally mess with peoples lives for a small payoff??????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I need to know if I got my card sent to me and if I have any money on my 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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I made an attempt to have an old account that was originally opened in XXXX removed. The Credit Reporting Agency is Experian. The debt collection is for XXXX XXXX. The date opened says XX/XX/XXXX. The balance is {$90000.00} this balance was historically proven to be incorrect based on my original court documents, signed by the attorney hired to both submit Divorce and child support. I originally agreed that as good faith effort to make transition for my kids a non burden, that I would make an additional {$50.00} payment bi-weekly only until {$2500.00} arrears was paid. The company collecting never removed the $ XXXX bi-weekly for 10 years the debt was accumulated, since XX/XX/XXXX. The debt is not fraudulently being reported to my checking account and FICO SCORE. I ask again as originally during my previous request for account reviews by the debt Collector. I also have to pay monthly payments of {$130.00} to the Collector that's not reporting. The debt is reported by Experian as a revolving Collections.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX _XXXX  XXXX XXXX XXXX XXXX _XXXX  XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX _XXXX  XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX  report ) _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX _XXXX  XXXX XXXX XXXX XXXX, DE XXXX _XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX **Employment information XXXX ( XXXX  XXXX  report ) _XXXX XXXX ** Hard inquiries : _XXXX _XXXX  XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the 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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( Transunion 's report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX  XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) XXXX XXXX XXXX Hard inquiries : _XXXX  XXXX XXXX  DELAWARE I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the 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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) _XXXX XXXX XXXX Hard inquiries : _XXXX XXXX XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the 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 2020-06-06 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I was charged about $ XXXX in fraudulent charges to my pnc credit card by XXXX ( shows up as XXXX XXXX XXXX ) I reported the charges to pnc and after 1 week was given temporary credit for these charges. However, about 6 weeks later, all of the charges reappeared labeled sale adjustment XXXX DE. The bank refuses to investigate further and I refuse to pay the bill, which including late charges and interest has now added over {$1500.00} to my bill. The original charges disputed were duplicates of real charges I made ( for example, I deposit {$100.00} to my XXXX account, Im credited only {$100.00}, but two charges for {$100.00} appear on my statement. 

In addition, XXXX has locked my account which has {$460.00} of my money in it, citing my credit card chargebacks as the reason. I can not use, access or withdraw the funds. Even though my bank ultimately did charge me the disputed amounts, XXXX  refuses to unlock my account ... so essentially, Ive been overcharged $ XXXX, penalized by XXXX for making the dispute, and even though XXXX ultimately received the disputed duplicate charges from PNC, they continue to withhold my {$460.00} .... Ive now been robbed of $ XXXX ( the duplicate charges PNC wont credit to my account ) AND robbed of {$460.00} more by XXXX  by the freezing of my account as payback for disputing the duplicate charges. Neither pnc nor XXXX will do anything further to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
I tried disputing the account due to all of the wrong information including the payment history, and how they are still reporting even after the charge off date and the account has been closed for years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a letter saying that I had an unpaid balance on my Belk Credit Card. I had not received any bills for this account, so I called the number. I was answered by an XXXX call center who told me that I had to write a letter to the Belk Credit to request replacement statements. I did so twice. No response. I have now received a letter stating that my debt has been sold to a debt collection service. 

I would like a copy of the bill ( s ). If these are charges made by me, I will pay immediately. I want the adverse credit report removed from 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