vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: AZ

Complaint narrative:
I would like to request the suppression of this item from my credit report. The company has no agreement & is potentially fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: HI

Complaint narrative:
Crypto.com emailed me a promotion back on XX/XX/2022. I would receive {$25.00} worth of CRO tokens if I direct deposited {$400.00} or more by XX/XX/2022. Per their terms, payout would occur within 21 days of the posted direct deposit. My paycheck posted on XX/XX/XXXX in the amount of {$400.00}. It has been well over 21 days and I still have not received the promotional payout. Please find attached screenshots of my promotional email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NJ

Complaint narrative:
CAPITAL ONE received my tender of payment on an account, kept it ( theft and fraud ), didn't credit my account, closed all 3 of my capital one accounts, added late charges and reported incorrect balances on my consumer report. CAPITAL ONE dishonored a lawful tender of payment.

CAPITAL ONE is in violation of 15 U.S.C 1691c ( adverse action against a consumer )., 15 USC1691- Adverse Action and discrimination against me, 15USC1681 ( S ) ( 2 ) - Willfully reporting inaccurate information to a consumer reporting agency. CAPITAL ONE kept my payment and didnt apply it to my account.18 USC CHAPTER 47- Fraud and false statements I am aware and know that any transaction to discharge debt liability is in accordance and compliance with UCC 3-104, 3-311, 3-603, 3-415, 1-304 and that any documents transmitted on behalf of the debtor to discharge debt liability on behalf of the debtor are in full accord with HJR 192 ( June 5, 1933 ), Public Law 73-10, UCC 3-419, 3-11, 3-603, 3-415, 1-104 and 10-104/2A-104. 

I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process against CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-08 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-08 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-08 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Someone opened an account on XXXX and used my identity to pay an item on XXXX in a totally different location. I called XXXX and XXXX and they confirmed about the transaction. The person that used my identity presented ID card with my name to pick up the item they bought. XXXX did not cooperate with me I field 3 time a report and they keep saying it take 3 - 5 days to get a response. I never received anything like that rather only to pay the loan under my name. I am reaching to you because affirm filed a credit report and now my credit score dropped and I see it on my Experian account. I filed police report, locked my credit file and changed the passwords to my accounts.

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 2022-04-08 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
This complaint concerns one of 2 hotel reservations, both of which I made on XX/XX/XXXX for the XXXX XXXX in XXXX, XXXX through XXXX One reservation was for the nights of XX/XX/XXXX & XXXX, XXXX ( {$52.00} ), whereas the other one was for the night of XX/XX/XXXX ( {$26.00} ). Due to new and revised COVID-19 restrictions ( completely out of my control ) from the XXXX XXXX which affected my trip and were implemented after I reserved the hotel rooms, I had to cancel my trip. As a result, I had to cancel the hotel reservations. When contacting XXXX, the company only allowed me to cancel the reservations through the chat box on their web site. Although I cancelled all of the reservations made through XXXX, I did not receive a cancellation confirmation for the nights of XX/XX/XXXX & XXXX, XXXX. Furthermore, XXXX customer service said that they would make an attempt to reach the above-mentioned hotel the following day, as they could not reach the hotel at the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that they still couldnt reach the hotel and as such would stand by their decision not to refund me my money. Again, the COVID-regulations were changed by the XXXX XXXX after I made my reservations, thereby adversely affecting my trip plans. It was completely out of my control. 

Despite assurances from customer service agents from Synchrony Bank on 2 separate occasions ( XX/XX/XXXX and XX/XX/XXXX ) when calling to dispute the charge, I was told that I would not be held liable for the {$52.00} while the amount was disputed. In each instance, the amount was not removed from my balance. I did not receive the services for which I paid for, thus I want that money back. Moreover, the customer service from XXXX and Synchrony Bank regarding this matter was totally unacceptable.

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 2022-04-08 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: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? 
They definitely arent in Metro 2 Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Direct Cash LLC
State: TX

Complaint narrative:
DirectCash double charged by account which lead to addtional bank fees being applied to my checking account adding further financial burden the funds should not have been charge on the date in which it was I the representative failed to set the renew as requested so that I would receive a week of grace and instead to charges were applied and when calling to advise a supervisor agreed to correct but did not adjust funds to be for the bank fees. 
Furthermore, this company stated I only made 1 payment to them in XX/XX/XXXX and in fact my bank statement shows 9 payments taken and began to send me text to settle the amount for XXXX and I text to agree but it was withdrawn and then requested about XXXX to settle to which I declined as that was not the original agreement. I have contacted this company to obtain the collectors contact as Direct Cash reps stated they could not help me and I was given a number that only rings and does not even identify the company nor did Direct Cash have a name or good contact number for me to dispute the debt. The rep stated they would have the collection company contact me that was in XX/XX/XXXX and I finally received a call from the so called collection company XX/XX/XXXX that did not have any of my payment history or the correct amount so called due and the supervisor ( name unknown ) would not give me the contact address name or number to send a dispute and offered for me to pay about XXXX he state I cant dispute its in litigation not very honest or helpful just wanted money not to have facts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They persisted to call and harass me with threats of attacking my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-08 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXXx Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.

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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
A a collection agency which I have no knowledge of has reported to XXXX a XXXX about a debt that I have no knowledge of by a company I have no knowledge of therefore I have never done business with this company this collection agency and therefore I do not know them anything I have never had any contact with this company whatsoever I have never signed any agreement with them I have never made any business deals with them I have never even heard of them until I saw that they had flagged my credit report was the first I had ever heard about this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TXXXXn/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA 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