vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: CA

Complaint narrative:
On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. 


On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are XXXX  ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NC

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 XXXX. I am filing this complaint for 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 2022-10-28 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: AL

Complaint narrative:
I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AL

Complaint narrative:
I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.

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 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
i have a collection and was not notified to delete collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
FIRST I WANR TO START BY SAYING CFPB HAS CLOSED ALL COMPLAINTS STATING ITS A DUPLICATE AGAINST XXXX XXXX  ... I TOOK A SCREEN SHOT OF THE COMPLAINT WHERW XXXX  SAID XXXX XXXX XXXX ON THE CASE AND XXXX CLOSES IT. XXXX XXXX BEEN RESOLVED COMPLAINT : I currently have a credit card with XXXX XXXX card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint I currently have a credit card with Destiny XXXX  card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX  card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-10-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I deposited a XXXX party check and the bank froze my account after I spoke to a bank representative about the hold they put on the check and now refuses to release my funds. They said that I needed to go to a branch to withdraw. So I drove to California to the nearest branch and still without a doubt didn't release my funds.

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 2022-10-28 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: IL

Complaint narrative:
I'm sendig this complaint because I have submitted my dispute letter to Transunion since I become a victim of Identity theft, I was disputed hard inquries on my report that been placed by FRAUD. I have Fraudulent Hard Inquiries on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX AXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Automotive XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX OF XXXX Auto Loans XX/XX/XXXX TransUnion XXXX FIN SVC Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX TransUnion XXXX BANK Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX FIN XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX  Credit Card XX/XX/XXXX TransUnion XXXX XXXX  Bank Credit XXXX XX/XX/XXXX TransUnion These hard inquiries dont belong to me, please remove them from my credit report. Thank you very much for your consideration and help, I really appreciate it. 

They are not factual data, they are result of fraud activity. 
Please remove them immediately. I have included copy of FTC Report that I filed and copy of documents to verify my identity : SSN, ID, proof of addrss

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 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
The Gym location I joined closed permanently ( XXXX, NJ location ) in XXXX ; therefore, I cancelled my membership and put it in writing as instructed to do so by XXXX in Membership services and XXXX in Accounting. They moved XXXX memberships to XXXX XXXX location in XXXX and said they would freeze my membership and asked me to reconsider my cancellation. 

I said I did not feel safe coming back to the gym due to the Pandemic and because I had family members who died from exposure XXXX in similar environments. 

XXXX said he never got my cancellation letter that I hand delivered to the front desk and said to mail it ; which I did. Now he is saying he never received my cancellation letter from XXXX and that my membership was unfrozen in XXXX, XXXX without my knowledge or consent. I again reminded XXXX that I did as he instructed and cancelled my membership in writing-twice now. My membership was a joint membership and the other membership was cancelled with no issues. I feel as though I am being targeted and preyed upon for {$190.00} which according to XXXX at XXXX XXXX includes Attorney fees and other fees. I followed XXXX XXXX 's protocol for cancellation and they are still demanding that I pay fees for which I cancelled the membership a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Store associate explained that I was getting an in store promotion for a discount. I explained I did not want to apply for a credit card. She said I wasnt. She asked for my license as I was paying with a credit card, and soon afterwards she hands me a credit card application stating that she only gave me a discount. I get a notification later that Ive been approved for a credit card I did not apply for. 


This is was in XXXX XXXX in XXXX XXXX, FL on XX/XX/XXXX. I explicitly stated I did not want to apply for a credit card.

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 2022-10-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I received Shellpoint package of letters stating that they were correct in reporting my XXXX payment was late. What was missing was Shellpoint letter from XXXXXXXX XXXX XXXX clarifying that Shellpoint is my loan servicer. 

The notice I received from XXXX XXXX XXXX stated XXXX XXXX is my loan server NOT SHELLPOINT ( See attached ). I paid XXXX XXXX as directed by XXXX the XXXX mortgage payment. 

In XXXX Shellpoint said that they were the loan servicing company not XXXX XXXX. I took their word for it and paid the XXXX XXXX XXXX XXXX Payment noting to Shellpoint I Paid XXXX XXXX for XXXX. 

Shellpoint took two months to get the XXXX XXXX XXXX payment to be returned to Shellpoint on XX/XX/XXXX. As a result Shellpoint delays and not accpting XXXXXXXX XXXX XXXX instructions seriously ruined my credit by reporting me late for the XXXX payment. 

My complaint ; I still do not have proof that Shellpoint reached out to XXXXXXXX XXXX XXXX to correct their instructions that XXXX XXXX is my loan server, not Shellpoint. Shellpoint had no right to the XXXX payment as XXXX ( see attached ) clearly states for me pay XXXX XXXX the XXXX payment. 

Shellpoint said they sent me a welcome letter, which I told them I never received. If I did, I would not have reached out to XXXX to ask who is my new loan servicing company. 

Shellpoint customer loan service does not take calls or ever called me. Shellpoint or XXXX XXXX XXXX never told me or stated that Shellpoint was my loan server for the XX/XX/XXXX payment ... ... .Only XXXX  stated that XXXX XXXX XXXX my loan server on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # XXXX, XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
I received a letter from Online Information Services claiming I owe money to XXXX XXXX XXXXXXXX XXXX, with an account number that I do not have with XXXX XXXX XXXX. 

None of my accounts with XXXX XXXX is the number Online Information Services listed in their letter. 

I request Online IS to request Verification from the XXXX XXXX XXXXXXXX XXXX, and send me a written letter with Debt Verification or lack thereof, once they receive the answer. 

I spoke to Online IS twice today. 

1. In both conversations, all of a sudden, when I was asking questions, in a courteous way, the line was disconnected, which I don't think can be accidental, twice in a row, 30 mins apart. So Online IS Customer Service, disconnects the calls intentionally, instead of answering fair but tough questions.

2. They also refused to send me a written confirmation if it turns out that I do not owe them or XXXX XXXX anything. Which I think is illegal. They sent me a letter claiming that I owe them money, yet refused to send a letter if it turns out that I actually DO NOT owe them anything. 

Please look into their practices, and please make these Debt Collectors to provide letters to confirm when alleged debts turns out not to be true. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
This is not my bill I have insurance which covers it.

Company response to consumer: Closed with non-monetary relief