vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credova Holdings Inc
State: GA

Complaint narrative:
On XX/XX/XXXX of XXXX  at XXXX I requested for an extension of credit pursuant to 12 CFR 215.3 to Credova Financial LLC through their online website, according to the Truth in Lending Act 15 USC 1602 ( f ) to have " Credit '' is my Right to incur Debt and defer its payment. After filling out the application and providing the company with my personal information, social security & credit card number 15 USC 1602 ( 1 ) they responded to me through email at XXXX minutes after I submitted the application with an Adverse Action pursuant to 15 USC 1691 ( d ) ( 6 ) denying me my right to credit.

Within this Adverse action the company Credova Financial LLC have broken the law ( 6 ) times Violating FDCPA and FCRA pursuant to title 15 USC 1692f ,15 USC 1692j, 15 USC 1692e ( 10 ) ,15 USC 1692d, 15 USC 1681q, and 15 USC 1681 ( a ) ( 1 ) ( 2 ) In the adverse action the company informed to me that they gave the offer " careful consideration '' but noted that the " Application information provided can not be verified. '' which is false because they provide me with a credit score and said, '' Our decision was based in whole or part on information in a credit report. '' then soon after mention that " The credit reporting agency played no part in our decision. '' which is very misleading considering what was just said to me the sentence before. Then finally at the end of the letter they stated, " We obtained your credit score from the credit reporting agency and used it to make our decision. '' which is deception and contradicts everything that was recently said in the beginning of the letter about not being able to verify the information.

At that moment Credova Financial LLC charged my credit card for the purpose of obtaining services on credit pursuant to 15 USC 1602 ( 1 ) in doing so made an inquiry on my consumer report while simultaneously denying me credit by use of false and misleading representation through an adverse action letter. Credova Financial LLC committed a crime pursuant to 15 USC 1611 ( 1 ).

The entire Adverse Action letter was false and misleading representation 15 USC 1692e, unfair practices 15 USC 1692f, Harassment 15 USC 1692d, furnishing certain deceptive forms15 USC 1692j and obtaining information under false pretenses 15 USC 1681q and held no accuracy & fairness of credit reporting according to Title 15 USC 1681 ( a ) ( 1 ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXXXXXXXXX Balance {$490.00}

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 2022-02-23 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: WA

Complaint narrative:
I called into Experian and submitted some disputes, the rep at Experian claimed he couldn't see some of the information that I was talking about. There seems to be something going on with Experian 's system, as I have reviewed paper copies of my report vs online copies and the information isn't matching. This is causing me some issues, and I wonder if this is happening on a larger scale?

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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
There was credit card opened fraudulent in my name in 2020. I reached out to the company originally at least 3 times and they refused to listen and acknowledge that the account was not mine. They then sent it to collections, and they are still refusing to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this account or have Equifax get back to me with regards to the issue. Here is the account that concern me. 
XXXX XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I have these companies ; 1- MRS BPO LLC 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. The Texas Debt Collection Act sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old. 

I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail. 
They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
I am name is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

Chapter XXXX bankruptcy discharged Reference number : XXXX Amount : -

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am name is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX Balance {$0.00} Bankruptcy : XXXX XXXX Reference number : XXXX Amount : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2022, an unauthorized transaction in the amount of {$1000.00} was deducted from my Suntrust ( Truist ) checking account. The funds that were taken from my bank account was transferred to another XXXX XXXX crypto currency account. I have an account with XXXX XXXX ; however, I did not authorize this transaction on XX/XX/XXXX XXXX. 
I have a XXXX XXXX account, and I called ( XXXX ) on XX/XX/2022 to investigate this matter and they confirmed that a {$1000.00} was stolen from my bank account and applied to another account and that they did not know where the money had been applied. 
On XX/XX/2022, I went to Suntrust bank, and they also confirmed that the funds had been taken from my account and I completed a form that stated that I did not authorize this transaction. I faxed the form to corporate offices the next week and they stated they would respond in XXXX to XXXX days. I got a response the next week and they denied the claim and the reason was now error occurred. 
I contested this decision from Suntrust ( Truist ) Bank and I have submitted a rebuttal in which is currently pending.

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 2022-02-23 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:
Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-23 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: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information of the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries I am disputing : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a car with XXXX and used their preferred finance company, Bridgecrest. I decided to refinance my loan with my XXXX XXXX XXXX XXXX about 3 months later, in order to save on my monthly payment and rate. The loan was funded by XXXX XXXX and they sent my payoff to BridgeCrest. On XXXX I looked online and saw that my loan was paid in full with BridgeCrest, so I called and requested a payoff letter. They advised me that they could not provide me a payoff letter until 10 business days after the check they received from XXXX XXXX. Being that they had recently received my payment of {$530.00} on XXXX, i asked about the over payment refund, the representative advised me that any overpayment will be refunded to my after 10 business day. So they will continue to charge me a per diem for the next 10 business days, which is XXXX per day, even though they show my loan as paid off online as of XXXX. This is not only unethical, the customer is defrauded by their deceptive practices.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with Fair Credit Reporting Act, US DIST CT account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :

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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I don't owe anything to JJ MARSHALL with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXXXXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Between XX/XX/22 & XX/XX/22 there have been 6 @ {$36.00} NSF fee charges against my checking account. Bank has paid payees. 
I have never requested credit or overdraft protection from the bank. In fact they did this same thing last XXXX where they paid numerous debits to the account without my request for credit or overdraft protection. Every extension of credit earns the bank {$36.00}.

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 2022-02-23 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: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX, that need to be removed immediately Inquiries Equifax : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I filed a claim to dispute a transaction on XXXX XXXX 2022 with JPMorgan Chase & CoXXXX for the amount of {$7000.00}. The merchant for the transaction im disputing is XXXX, a stock trading platform I've used in the past. Before filing this claim i lost access to my XXXX account on XXXX. I have tried contacting them via email and their customer support number listen on the website. We believe my account has been compromised so filed a claim with chase. Today on XX/XX/XXXX i was informed my claim was denied. After speaking to the supervisor on duty she said in my initially claim i stated the transaction was fraudulent. She explained, since i did in fact authorize the transaction of {$7000.00} i filed the claim incorrectly. She said i can not mend or file another claim and that there was nothing they could do at this point. At the end of the call she recommended i take it up with small claims court. Not only is my money lost but i can't seem to get any decent information on a course of action.

Company response to consumer: Closed with explanation