vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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: LA

Complaint narrative:
I am submitting this complaint myself, and to inform you that there is no third party involved in the process. I have attempted many times on a consistent basis to get the issue resolved with Equifax. Equifax has not complied with the Fair Credit Reporting Act 15 USC 1681 within the time allotted by law and has continued reporting the inaccurate and incomplete account to my credit report. On the report, it states the account was closed XX/XX/2021, but also states a payment was made XX/XX/2021, with a balance. Equifax is stating a payment was made on a totally different datr mm. Equifax is reporting a chargeoff only on payment history. There is no way a C/O can be reported as payment history. It's completely wrong and I do not agree with what they are doing. The FCRA states that all credit reporting agencies must report identical information and complete an investigation in 30 days yet this has not happened. However, Equifax is reporting incorrect information which they have been doing for months. I do not agree and what's being reported is not lawful. At this point, Equifax has affected my ability to obtain credit. I have not gotten any assistance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: CIG FINANCIAL LLC
State: WI

Complaint narrative:
I took out a loan with CIG financials I defaulted on the loan because of loss of work. This was in XXXX Was my last payment They are reporting that I missed payments in XXXX further damaging my credit This is impossible since my last payment was in XXXX I have disputed this with the credit bureau 's and they keep on coming back saying that the information is correct I have also contacted the company with no Avail I would like them to Deleted off my credit For reporting miss information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: WI

Complaint narrative:
I took out a loan with XXXX XXXX  I defaulted on the loan because of loss of work. This was in XXXX Was my last payment They are reporting that I missed payments in XXXX further damaging my credit This is impossible since my last payment was in XXXX I have disputed this with the credit bureau 's and they keep on coming back saying that the information is correct I have also contacted the company with no Avail I would like them to Deleted off my credit For reporting miss information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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.

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 2022-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a formal complaint against LVNV FUNDING LLC located in XXXX, South Carolina. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account XXXX XXXX, and XXXX XXXX XXXX  XXXX  Account XXXX XXXX have 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.

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 2022-02-20 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: MS

Complaint narrative:
XX/XX/2022,,,,,, capital one, i made a debt for XXXX and its not pending or posted to my account,,, had this happen to me before by capital one, what it is, is that if its not posted or pending and it drops off your account, then it adds it back to the account and makes the concumer pay high interest and puts the consumer into debt so bad that it ruids there credit and everything else,,,, i was very sick due to this happening to me before, stayed awake for almost a solid week worrying over this same XXXX, im in bad health and, i dont need this at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX is verifying accounts that are not accurate and or mines. 
This was the result of a identity theft incident back in XXXX. Someone took my information for credit at XXXX. I removed the collection from my credit report from the original creditor XXXX back in XXXX. Now they sold the debt to a third party collections agency and XXXX XXXX is trying to collect debt that is not mines. 

A lawyer I was speaking to told me that the FCRA requires all information on my credit report to be 100 % accurate. I'll begin to list the inaccuracies and errors. 
Date Opened on XXXX is different from Experian and XXXX High credit is {$690.00} on XXXX and XXXX but the Experian report is {$0.00} Balance owed is incorrect. Balance is 0 on Experian and {$690.00} on XXXX and XXXX. 
Account Status says Deragatory on XXXX and XXXX but Open on Experian. 
Last Reported is different on XXXX. 
Date Last active is Different on all XXXX XXXX, Experian, 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 2022-02-20 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:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX , Illinois XXXX XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Avant On XX/XX/2022. I applied for The Avant credit Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Avant has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by XXXX XXXX On XX/XX/2022 XXXX I applied for The XXXX XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). First Digital has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a business checking account with Bank Of America which was opened over 5 years ago. Unless I keep a balance of {$3000.00} Bank Of America charged my account number ending in XXXX {$16.00} monthly. It was hard to maintain 3000.00 monthly. 
Now it got worse ; the new requirements now is to maintain {$5000.00} It has been difficult to maintain {$5000.00} so Bank of America keep charging my account {$16.00} monthly. 

I tried talking to them but it is of no use. 
The monthly charges of {$16.00} continue to no end. 
From XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date : XX/XX/2022 @ 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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER XXXX DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. TRANSUNION 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 2022-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
To Whom It may Concern, I started the process of refinancing my home in XXXX Ny with the XXXX XXXX Bank, nearly one year ago! 
Every month because of one thing or another it was delayed. 
I finally have gotten them al the documents they can possibly need. 
The last thing i did was send in paperwork to clear up a forbearance issue. 
The truth is i was making payments for months but for some reason they didnt register everything correctly. 
The Mortgage service company, Dovenmule, received my payment and signed paperwork on the XXXX of XXXX and said theres up to a 2 week wait period. 
It is now 60 days later and they still didnt clear it up. In the mean time mortgage rates are rising and i am suffering as a result. I have bills to pay and am unable to do so as a result of this refinance taking so long. 
If there is any way you guys can help id really appreciate it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover stated they issued a XXXX form and still trying to collect money for {$3500.00}. 

Discover stated they issue the XXXX on XX/XX/XXXX, XXXX if I got to report the income on my taxes why do I need to pay discover? 

Was the balance cancel? 

if so, updated credit report to {$0.00} when will I get the XXXX form? if so upload here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. XXXX EXPERIAN

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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME 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 2022-02-20 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: FL

Complaint narrative:
I HAVE FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME 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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE FILED A DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2022-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
I would like to know the status of the account, the age of the account and when it went to the collection agency. Acct ending XXXX.

Company response to consumer: Closed with explanation