vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Notice, am XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX. 

This written request is in response to consumer reporting agencies ( i.e XXXX, XXXX or Equifax ) decision to decline to block the information I have identified as identity theft. I have the right to believe and do so believe that the consumer reporting agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be conspiring against my rights according to 18 USC 241. 

I have yet to receive any notarized affidavit from a consumer reporting agency or Senior Executive of the company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ) stating that I received goods, services or money under penalty of perjury and provide lawful proof. 

I am challenging the accuracy and integrity of the consumer reporting agencies and each company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ). I have attached documents of my consumer report which include many inaccuracies. 

XXXX XXXX XXXX XXXX : The date opened, balance, number of months ( terms ), past due, and payment status are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX : The monthly payment, date opened, balance, number of months ( terms ), last reported, date last active, and date of last payment are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX as a furnisher must substantiate the alleged account with records at the time it was furnished. These companies must minimize the likelihood that information may be reflected inaccurately on my consumer report. 

Each consumer reporting agency prepares my consumer report and must follow reasonable procedures to assure maximum possible accuracy of the aforementioned information concerning my consumer report. These procedures include, but are not limited to, the investigative reports that I have yet to receive. 

In order to comply with federal law, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX must provide full disclosures ( i.e any actual records of accounting ), a signed invoice, proof of equal consideration, and a true copy of the contract with my blue wet ink signature and XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX wet ink signature. 

In the event XXXX XXXX XXXX XXXX or XXXX XXXX XXXX fail to provide said documentation, I demand that all alleged accounts from either company be properly recorded and officially acknowledged within their records and any other agencies as non-existent, including but not limited to, all debt collection and/or consumer reporting agencies. 


Signed, Without Recourse. XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: CO

Complaint narrative:
I have filed a complaint on this company at the beginning of XXXX, complainant ID : XXXX. They expressed that I will no longer receive anymore correspondence. Today I received another letter, so they ignored my request to cease all communication! 
This is nothing less than harassment and they not only disrespect my privacy, but your lack of enforcement! Do something immediately or Im going hunting, and you can catch it on the news!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A company with a caller ID " Credence Rsrc '' has been calling my phone multiple times daily for the last month and I normally reject the call because of my multiple spam calls. Today I answered the phone and asked them why they keep calling me. The rep said some man 's name and/or his wife. I told the rep I don't know the man and I am single and have NO OUTSTANDING DEBTS and to quit calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. 


According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: OK

Complaint narrative:
I have called TransUnion five or six times today to have these unverified inquires removed from my credit report. XXXX to have these inquires removed and they are lying to me.

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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I received two Citi custom cash cards in the mail. One with my name and one with the person of the XXXX XXXX on it. I did not apply for this card. I contacted citi and they stoped it immediately and reported it as fraud

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 2021-11-16 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: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I to ask why I was not given the correct offer I saw on the website when I applied. 
On XX/XX/XXXX, I applied for the Chase Marriott Boundless Card because I saw a " For the First Time XXXX Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase Marriott Boundless Card was still " For the First Time XXXX Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( XXXX bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your Boundless Card arrives in the mail, use it to earn XXXX bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. 
Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I listed a XXXX XXXX for sale at {$850.00} on XXXX XXXX. A buyer contacted me and offered to pay for the item using Venmo. I didnt have much experience with Venmo but I knew it was owned by XXXX which is a federally regulated bank. I went to Venmos website to check their policy on payment refunds and it clearly stated that payments could not be reversed once sent without the recipients approval. When you call Venmo support, it clearly states on the recorded message that payments can not be reversed once completed without the recipients approval. 

The buyer came to my house on Thursday XX/XX/XXXX and we performed the transaction in front of my ring video doorbell. He verified that he was the buyer who contacted me on XXXX and I confirmed the payment had been completed with Venmo via email and the Venmo app. I initiated a transfer of the funds to my bank account. I gave him the XXXX afterward. 

Four days later on Sunday XX/XX/XXXX, I received a message from Venmo that the transfer was flagged for review. I tried calling them but their offices were closed and so I responded via email asking for further information. 

I did not receive any reply and called Venmo on the following day Monday XX/XX/XXXX. I checked the app for an update and it said they had refunded the buyer without having made any attempt to contact me for details. When I reached them via phone, they asked me for details like my drivers license and a photo. The call was disconnected shortly after I provided these details and I couldnt get a hold of a representative as the offices were closed when I tried again. Further requests for an update via email went unanswered. 

I called again today XX/XX/XXXX and they failed to provide any information about what happened with the payment. They stated an account representative would review my claim and respond by email. I feel that Venmo has a legal obligation to complete this transaction. 

Venmo is a federally regulated money-transfer service that makes certain claims about how their service operates which are deceptive. The way they handle payments is a recipe for fraud. I took reasonable precautions to check how their service operated with respect to refunds and they were inaccurately described on their website and phone support. Venmo should be held liable to refund the money the withheld from my account. If there is anything you can do to help, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I had problems with a closed credit card account from Barclays. After a difficult prolonged time of back and forth phone calls, I received a letter dated XX/XX/2021 from Barclays stating that I would no longer be contacted reguarding this closed account. 
On XX/XX/2021, I received a letter from a collection agency about the closed account asking for {$170.00}.

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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made several transactions with the merchant XXXX to purchase virtual currency. I had 2 of my bank accounts linked to my account with XXXX. On XX/XX/XXXX & XXXX, I unlinked my Bank of America account with XXXX as I wanted XXXX XXXX  to charge my XXXX XXXX account. XXXX  even sent me text messages asking me to confirm that these transactions on XX/XX/XXXX & XXXX are to be charged to my XXXX XXXX account ending in XXXX. I confirmed the transactions and then I check my Bank of America account and I noticed that XXXX charged my Bank of america account instead of my XXXX XXXX account. So I filed a dispute claim with Bank of America on XX/XX/XXXX claim # XXXX and I also sent documents to Bank of America showing that these transactions were supposed to be charged to my XXXX XXXX account and that I didn't authorize the merchant to charge my Bank of America account. So Bank of America issued me a temporary credit in the amount of {$400.00}. Then on XX/XX/XXXX I receive communication from Bank of America stating that after conducting their investigation they have concluded that I did authorize the merchant to charge my Bank of America account and that the credit that BofA issued me for {$400.00} will be reversed on XX/XX/XXXX. BofA said that they will send me documents to show how they resolved my claim, but never did. They have also reversed the temporary credit that they issued me.I have been trying to contact XXXX  since XX/XX/XXXX but no reply back that is why I filed a dispute claim with BofA. I did not authorize the merchant XXXX  to charge my BofA account and want to be reissued a permanent credit of {$400.00} and another {$2000.00} for any transactions that I made on my BofA account that were returned and penalties that resulted because my account was negative.

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Trying to fix my credit history I stumbled upon M Leonard and Associates on my credit history for {$360.00}. I contacted them today XX/XX/XXXX regarding the debt collection I had no idea about, asking for more information about the debt. They told me all they could tell me is that its from XXXX XXXX XXXX and that it was for services rendered XXXX and XXXX of XXXX. I got off the phone with them and proceeded to call XXXX XXXX group. They let me know that I do not owe them any money according to their numerous records kept, and that I should contact M Leonard and Associates again and ask for the specific Dr/Clinic Requesting the debt collection. I called them back and they proceeded to tell me they couldnt give me any further information and that XXXX XXXX XXXX uses XXXX  for their customers to look up all of their Dr visits. I called XXXX they helped me make an account and i was able to see that there was no visits on XXXX or XXXX of XXXX for me or my dependant. M Leonard and associates is breaking the law reporting this debt not owe and not providing me with any information to justify it being on my credit history,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in 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 explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around two months ago I disputed an Account on my Experian credit report. They told me they verified the account but then I looked at the status updated date XX/XX/XXXX it had not changed. They told me to contact the furnisher of the information. I wrote the furnisher which is XXXX XXXX. I point out to the company that the account was inaccurate and incomplete. I let them know there was two different dates the account opened XX/XX/XXXX and XX/XX/XXXX. I let them know the report showed I was 180 days late and 120 days late. I asked them to validate the account which is my legal right. Everything I asked and waited over 45 days no response. I wrote Experian back with the certified letter that I mailed to the furnisher and included the certified mail green card attached to the furnisher 's letter to illustrate my request and the time frame of over 30days. Instead of Experian stop reporting the account they still continue to report it. Also I have very strong supportive evidence I will upload with this complaint that neither XXXX or EXPERIAN updated the consumer report in the " COMMENT SECTION '' CONSUMER DISPUTES ACCOUNT! Which I believe is at least for EXPERIAN a direct VIOLATION of laws they are governed by in FCRA. I am currently trying to apply for a home loan and EXPERIAN never investigated this account because status update has not changed since XX/XX/XXXX 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 2021-11-17 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I have filed many disputes over the course of two years with XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, XXXX XXXX XXXX XXXX and Arbor Professional solutions violated the Consumer Financial Protection Act and HIPPA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation