vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX  response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 Experian charged a debit card of mine that they did not have access to. I thought that I was under the free membership and logged in today once I noticed the charge. Before they deleted info not too long ago I was able to view my old card info in their system. Their system had my old card info that has been deactivated so I don't understand how they were able to charge my account. Also, in checking my emails to try to find out what in the world was going on, I found an email from them from XX/XX/2020 ( yesterday ) stating that they tried to charge my old card ( XXXX ) for membership but was not successful because the card was either old or I may have switched banks which confirms that they knew that the card was not active. How in the world did they gain access to my bank account and charge my new card without me providing this information to them? 

My bank has also confirmed that the card ending in XXXX was not active yesterday or today and are not able to explain how they were able to charge me the {$24.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: KY

Complaint narrative:
I have been a Capital One customers for many years. The account ( My Quicksilver card ) in question I have had for two years, paying off my balance as I went. In XX/XX/2020 they decided to grant me access to credit limit as soon as I made a payment. In XX/XX/2020 they placed a hold on my account causing me to call in to speak with an agent. They advised the need to validate my bank account and to ensure all the payments have cleared since I made multiple like I always do. We called my bank to ensure all payments were cleared so they could remove the hold, which they did. I asked how could I avoid this in the future, did I do anything wrong? They advised no keep using the card as normal, which I did. XX/XX/2020, they placed a 26 day hold on my account which expires XX/XX/2020. I called and no one can tell why the hold was placed and no one can removed it. They covered the general criteria of why a 26 day hold would placed on my payments. The agent confirms my account did not meet the criteria and she couldn't tell me why it was placed. Spoke to a supervisor they said the same thing with the added if you make multiple payments in a billing cycle they can place a hold on your account, but for two years I have always done that. They need time for the payments to post, which I find it odd they need 26 days for payments to post to the account. I was told in XXXX I am a great customer, have access to your credit line when you hit submit on a payment. In XXXX, hey we have to validate your payments from your bank account, but don't worry now that we have done just keep using your card the same way. Now in XXXX, we have placed a hold for 26 days, we won't tell you why, the computer does it automatically, and no one can remove it. 

I am being treated as a criminal, the terms and conditions have turned into a weapon against me, and there is no way for me to fix it because Capital One doesn't want to fix it. On top of the that, my other Capital One card which I use in the same fashion doesn't have a hold on it. I have had that card for less time, they both have the same credit limit, but the Quicksilver is a rewards card. I was told to use my card as normal but being punished because Capital One is afraid to pay XXXX to XXXX cents of rewards to me, a loyal customer. I can say that with certainty since my other non rewards card doesn't have a hold at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed 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 2020-12-03 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?

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 2020-12-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried numerous times contacting XXXX  via phone and online to dispute accurate info and haven't reached a live agent. XXXX  online disputes directs me to call XXXX  's number. I'm unable to view or submit any info online to Equifax regarding disputes. The reps at Equifax are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from Equifax closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX2020 XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX and mailed off documentation XX/XX/XXXX2020 to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach XXXX  regarding reimbursement they owe me and I never owed a debt to the complex. 


XXXX  and Equifax have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach XXXX  by phone or online to dispute this inaccurate info. Equifax didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from XXXX  property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: ERC
State: AL

Complaint narrative:
Stuff on my report that wasnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I checked my credit report on XX/XX/20, and discovered 3 credit inquiries that were fraudulently made in my name attempting to get funds from Upstart. The inquiry dates were on XX/XX/20, XX/XX/20, XX/XX/20. I immediately put a freeze on all three of my credit reports with the bureaus. I spoke with a customer service representative with Upstart who informed me that {$4000.00} was approved and close to {$4000.00} in funds were given to the person who fraudulently completed the loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with XXXX XXXX on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX VIN : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to XXXX XXXX was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to XXXX XXXX  sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with XXXX XXXX. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at 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 2020-12-03 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: TX

Complaint narrative:
This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with XXXX XXXX  on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX VIN : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to XXXX XXXX  was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to XXXX XXXX sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with XXXX XXXX. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at 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 non-monetary relief
Consumer complaint received 2020-12-03 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: OH

Complaint narrative:
In XX/XX/20 I refinanced my vehicle loan through my credit union. I was originally with XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX for my refinance, which was approved and XXXX XXXX XXXX XXXX paid off the loan through XXXX XXXX XXXX. On XX/XX/20 I called XXXX XXXX XXXX who confirmed payoff received. On XX/XX/20 I called XXXX XXXX XXXX and they confirmed payoff information was reported to the credit bureaus on XX/XX/20. Ive waited and tried to speak with XXXX XXXX and XXXX XXXX XXXX about my credit report showing both parties having an open loan for my vehicle finance and they advised me to reach out to Equifax. Ive tried calling and have been told to go online and dispute with Equifax to have the loan with XXXX XXXX XXXX removed, however, the online option for disputing is not available and has not been available on multiple occasions. It has been past 30 days since receipt of the original finance companys acknowledgment of payoff with no correction and it is effecting my ability to apply for a home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a very aggressive and threatening call stating that Ace Cash Express would take me to " Immediate proceedings Court '' or locate me at my home or place of employment, they gave me a case number and stated that they are planning to sue or take criminal action, I have XXXX XXXX and its triggered a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: NY

Complaint narrative:
Caller refused to identify themselves. used profane and threatening language. They threatened to get sheriff to arrest me and put me in a forced labior camp. used XXXX slurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/XXXX a call was made to me by a rep that fraud was attempted to be committed. I was told the account would be blocked. There were a total of 6 checks that was cashed with invalid name and address. They denied it saying app was logged in the day fraud was happening. I appealed it through email and through mail. I have called of 10 times to talk to security through supervisors. Phones always disconnect me while waiting I have not received any letters of decision or able to reach anyone about this matter that know what is going on. My daughter was in XXXX college at the time which is 4 hrs away from where these checks were cashed. I am now ready to seek a lawyer at this point due to no resolution m. The bank has take my money and my daughter money out the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AR

Complaint narrative:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

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 2020-12-03 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: AR

Complaint narrative:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

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