vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/XXXXI tried to fix this issue with Discover Bank, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Discover Bank Acc # XXXX, Opened Date XX/XX/XXXX, XXXX/Closed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Discover Bank. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 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: AL

Complaint narrative:
I sent a letter to TRANSUNION dated XX/XX/2020 by certified mail. TRANSUNION received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with TRANSUNION. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I made multiple attempts to have the credit agencies remove the bankruptcy from my credit report as it is reporting in error. Under 609 and 611 of the FCRA they failed to provide me with the process of which they obtained this information from. They provided the furnisher, however, upon reaching out to the furnisher XXXX, they stated that did not have record of this information and they also confirmed that my file is suppressed with them therefore preventing them from releasing this information. Thus exposing the credit bureaus failure of actually verifying this information. My past two attempts to have the bureaus remove this I have been ignored. As of today, XX/XX/2020, I spoke to an agent named XXXX who claimed that this information needs to be disputed directly with the court which is completely FALSE. I have provided here evidence to support my dispute from both the furniture and federal court.

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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I see slot of accounts on my credit accounts that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My minimum monthly payments was on auto debit, however, an incorrect amount was withdrawn causing the minimum payment to be deficient. Every prior monthly payment was withdrawn properly. I think this error occurred because I made an extra online payment that month which was returned non-sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
My complaint is against XXXX XXXX XXXX and Trans Union ; there was a repeat derogatory delinquent account # XXXX reported back on my Trans Union consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer Trans Union report. I reached out to XXXX XXXX XXXX, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency XXXX XXXX XXXX. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why XXXX XXXX XXXX purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to Trans Union, I spoke with XXXX XXXX representative of Trans Union, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a XXXX state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did Trans Union allow this derogatory debt to be placed back on my consumer Tran Union report? XXXX said she would have to submit a dispute she did not know.

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 2020-04-10 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: NY

Complaint narrative:
I live in XXXX and a rental property collection has appeared on my credit report. 

This information is completely false and does not belong on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CA

Complaint narrative:
I made multiple attempts to have the credit agencies remove the bankruptcy from my credit report as it is reporting in error. Under 609 and 611 of the FCRA they failed to provide me with the process of which they obtained this information from. They provided the furnisher, however, upon reaching out to the furnisher XXXX, they stated that did not have record of this information and they also confirmed that my file is suppressed with them therefore preventing them from releasing this information. Thus exposing the credit bureaus failure of actually verifying this information. My past two attempts to have the bureaus remove this I have been ignored. As of today, XX/XX/2020, I spoke to an agent named XXXX who claimed that this information needs to be disputed directly with the court which is completely FALSE. I have provided here evidence to support my dispute from both the furniture and federal court.

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 2020-04-10 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
My complaint is against Phoenix Financial Ser and XXXX XXXX ; there was a repeat derogatory delinquent account # XXXX reported back on my XXXX XXXX consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer XXXX XXXX report. I reached out to Phoenix Financial Ser, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency Phoenix Financial Ser. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why Phoenix Financial Ser purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to XXXX XXXX, I spoke with XXXX XXXX representative of XXXX XXXX, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a Phoenix state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did XXXX XXXX allow this derogatory debt to be placed back on my consumer XXXX XXXX report? XXXX said she would have to submit a dispute she did not know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$61.00}, {$0.00}, {$1700.00}, {$760.00}. 
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 Laending 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 XXXX XXXX, 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 ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$61.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS -- XXXX. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not 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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EA Holdings Corp.
State: WI

Complaint narrative:
I XXXX XXXX possess an auto loan through Easy Acceptance. In early XXXX I received a missed payment remark on my credit report from the creditor that caused my score to drop 141 points. I attempted to reach out to the company to get them to remove this remark as I made my payment on time and my account is current. I would like the creditor to remove this missed payment remark and to receive my credit points back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Attempted to make payments on 2 secured accounts with Capital One Auto pay feature didnt correctly go thru and accounts were closed without notification or proper dispute process explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: AZ

Complaint narrative:
Auto pay and bill pay would not go thru for payment. Mailed in payment but it was returned to me. 

Reached out to company to advise that I switched financial institutions to make sure payments could be received thru auto pay and bill pay. 

I was told account was cancelled and threatened to make the payment by the XXXX or account would stay cancelled. 

I informed representative I could go to any authorized XXXX location to ensure payment was received in timely manner. 

I was then told that my payment would be taken and I could reapply for the accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AP

Complaint narrative:
I submitted a complaint # XXXX. Capital One replied I had sent a black and white copy of my passport, but they needed a color copy. I called the company and spoke to THREE different people. They sent me a link to send a colored copy of my passport. The link was sent THREE times. I took the photo of my passport FIVE times. Each time I got the same result when I tried to send it. " THE SPECIFIED URL CAN NOT BE FOUND. '' So, I am sending a colored copy of my passport, a colored copy of my XX/XX/XXXXDrivers license AND a colored copy of my military ID card with this reply since the company would not take the black and white one. I need this resolved so I can get the refund of my plane tickets deposited back into my account. I brought new tickets and I need the money to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix

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 2020-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would  not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/20 i noticed a collection agency trying to collect a dept that i have no knowledge of i dont know this company nor have i signed any agreement with them nor there affiliates

Company response to consumer: Closed with explanation