vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX  continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. Equifax has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitalone credit card cancelout my wife credit card, without telling me i am the husband the main member.Normally anything change i would get text message, i never got text message that it was cancelout.My wife tried paying her pre-paid XXXX account least four times an it was decline.XXXX kept asking about XXXX my wife put in decline change to old decline.So she called Capitalone with my cell phone Wednesday XXXX XXXX XXXX  She got Customer Service explain they XXXX said it was cancelout and they issue New Card.She ask why they said XXXX tried to charge {$16.00}. they sent text message ask if i authorize i said No, Than they Capitalone Cancelout card Fraud.My wife was on Phone for XXXX XXXX, Than icalled Capitalone Wednesday XXXX XXXX PM after my wife try using my credit card, it was declined.Capitalone representive said my wife card was cancelout and who ever help her didnot order one it was cancelout.And this Customer Service i could not understand, she had Slur in her voice plus eating food in back ground. # XXXX She ask for my wife try to pay with my credit card to XXXX while she on phone.Than again it was Declined, Capitalone said it does not show XXXX charged was declined.I ask if my wife card was being replace Please give me her # so she can have make purchase.She said my wife card was Not Order was Not Completed.So she re-order card to be sent to our XXXX XXXX But she was asking me for my Phone number to send Text Message.I gave her my # on file.She insis of my old # But i change # XXXX XXXX of XXXX  old number XXXX to my New # .Because i reported to FTC XXXX account got Hacked XXXX XXXX i kept get dirty text message ect.Capitalone Lady insis i needed my old number to receive her text message to prove iam me.Than she ask for Picture of My Driver License i told her she Must be Fraudulent Because thats what the XXXX Hacker ask when i applied for XXXX XXXX XXXX XXXX i gave Copy my Arizona driver's.Capitalone Lady said she Not fraud she Must be , because she will not except my New number on file address updated over week ago.I cant except text message to old number because i change my phone to New #, so i hung up ... After XXXX XXXX, She Refuse to send my wife New Card, She Refused to except my New cell Phone Number i updated on my Profile with my wife i been married over thirty-one years, i put double photo of us, they refuse for my wife to login when she had her card., Capitalone should quit Hire people that can not speak XXXX Clear.Same with XXXX.Many XXXX  can Speak XXXX but dont know what words mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: SC

Complaint narrative:
I had to file XXXX  XXXX bankruptcy in XXXX  since then Experian is reporting 13 accounts with late payments ( stating they are negative ). None of my accounts were paid late from the very opening they all show exceptional payment history.If false information was furnished from a company then they need to be investigated for fraud. 
According to the fair credit reporting act which is law there is no such thing as Potentially Negative ( with a red N under a month ) either the data was reported correctly or not. It can not be both exceptional payment history and potentially negative. I was not aware of the Federal Law allowing Experian Credit Services to rewrite the law.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX My bank account closed my federal income was sent and now I dont know where the refund is located at?

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: TN

Complaint narrative:
I have received a paper saying that I owed money from a site I never used or brought anything from there, and they have my name, my address, and social security number, the place called Jefferson Capital Systems LLC, I read the reviews, and they doing scamming people out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$740.00}

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VA

Complaint narrative:
amount of XXXX from enhanced recovery co. has put a collection amount on my credit report and it was never validated. i reached out to this company a year ago and it still shows on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
On XX/XX/22 I wrote a letter regarding inaccurate and unknown accounts on my consumer reports. They responded back saying the accounts were verified, never explained or showed proof on how they verified these account. I have not enter into any consumer contract with these companies with XXXX XXXX XXXX # XXXX nor XXXX  XXXX XXXX. XXXX is in violation of 15 USC 1681 this account is not accurate, they also my right as a consumer to privacy 15 USC 1681 ( a ) ( 4 ) I demand both of these accounts be deleted immediately or I will file ligation due to stress

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
I rented apartment at XXXX XXXXXXXX XXXX  and my application was approved with {$1000.00} deposit in month of XXXX XXXX after i moved in month of XX/XX/2021, while staying with family in 2 Bed/2 Bath apartment i received lease violation notice after 2 months mention that my wife also living with me and i did not add her as tenant. I mentioned them about there was no place to add while doing application online. 

i was told it's an easy fix, all they need is name, SSN and D.O.B plus {$75.00} for applicating fees. 2 days later they ran my credit instead of my wife and i was told that now i have to pay additional {$1000.00} top of existing deposit. when i revised my lease no where it says each individual has to pay {$1000.00} deposit. when i mentioned them they forced me to sign addendum addition to my lease.

so i denied and i was told that either i have to sign or i have to vacate their apartment.

so i decided to Vacated my apartment. after vacate my apartment they keep {$1000.00} deposit plus they asked me to pay additional {$3100.00} 2 months rent since i am breaking their lease.

After they sent me certified copy i object that amount and submit complain to XXXX XXXX XXXX but 2 months later i received a notice mentioning this business are not in their file. 

After that they sold this balance to Collection agency Hunter Warfield, i started receiving call so i contact an attorney in Florida and after examine my case they took my case. they notify collection agency not to report to credit bureau and if they do they can report as disputed amount. 

even though they have been notified they kept calling me and they reported to Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I informed the company that I was deciding on a home and waiting to have seller resolve repairs. Mortgage company went ahead and did an appraisal without confirming I was purchasing. I have an email stating that if I didnt take the home I would be refunded. XXXX reports that they have an email stating I was purchasing from my realtor but can not produce

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These are inaccurate and should not be on my credit report, I demand to have them 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 non-monetary relief
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I stated all the laws unto which has been violated.But most of all is 15 USC 1681s-2 ( a ), ( 1 ) ( a ) .They still have fraudulent claims on my credit report.Unverified but said it was, I requested all information of verification and I have not received it yet it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank keeps reporting a charge off on all three credit bureau since XX/XX/2019 and still reporting today. I have sent in multiple complaints to rectify this situation. This is not my account and I would like for it to be removed. The company states that this is my account and has been verified.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
It all started when I thought someone got my card number and charged on it but it was a miss judgment but the card was canceled and a new one issued. I had a payment due so I looked up what I thought was the address of where the payment was supposed to go so I entered it in my bank payment page on my banks app and made a payment of {$250.00} dollars ahead of time. I got a notice that the payment was coming up due and they claimed that they didn't receive the payment yet so I made another payment for XXXX dollars to stay current. I made the payment on the phone with Citi bank and I asked her why they didn't receive my first payment, I gave her the address I sent it to and she confirmed that it wasn't their preferred address but it still was their address. She then sent me to their lost payment department and filed a complaint, she put the payment against my account but I had 10 days to get her proof of payment which I called my bank and they sent me a copy ( in a email ) of the check that they sent I offer to send it to citi bank in a email but she didn't want that she wanted it to be mailed. I said to her that with the post office it would be lucky if it got there in 10 days. She said mail it so I printed it out and mailed it. After about XXXX weeks they took the XXXX dollar credit off of my account and said that the picture I sent wasn't clear enough. I then went to my bank and had them print out the check copy and sent that one. In the mean time I had another payment coming due and when I was talking to the first lady she gave me the right address so I changed it on my bank payment account. I sent a payment ahead of the statement because it was late getting to me ( email ) I sent XXXX dollars I finally received the statement and the payment was like XXXX dollars somewhere around that so I sent a addition XXXX dollars well before the due date. I then got another notice that they haven't received any of the 2 payments so I went on to their app signed up for bill pay and made a XXXX payment which was credited to my account. Now as to this day they have been dragging their feet on the payments I called her again and asked her where my payments are I have another payment coming up due in a week or 2 and I am going to use my bank I am paying for bill pay though my bank account for the convenience so I am not going to be going to all the different accounts to make payments when I can do them all though my bank. They to this day have not found the XXXX dollars ( 2 months ) or the XXXX dollars ( 1 month ) they surprise surprise found the XXXX dollar payment and that one was made after the XXXX dollar one. 
I need help I am getting nowhere with them. 
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 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was part of a class action lawsuit against my mortgage company. I went into contract for my home with vision property management and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX pennsylvania homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with vision property before the court order because the house they sold me was way worse then what they said and I had to spend roughly XXXX dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On about XX/XX/XXXX I mailed my payment to Freedom Mortgage. Around the same time I had received a notice my loan was being transferred to XXXX XXXX but the payment had already been sent. On XX/XX/XXXX I noticed the check had not been cashed. I called Freedom and was told the check would be returned to me and that I needed to call XXXX XXXX  and make the XXXX payment there so I did. I then noticed on XX/XX/XXXX the check to freedom mtg had been cashed so I thought it would be transferred to XXXX XXXX  for the XXXX payment. I called rocket mtg and they said payment for XXXX was due. I went ahead and made the XXXX payment with rocket mtg and then called freedom to find out what they did with the funds. They say we did not receive a check from you. I said yes you did and you cashed it. It has the stamp and title of the person in accounting that cashed it. The person said oh we have no record but that person does work here. I asked to speak to a manager, we went around again with the same answer. He said he filed a report and someone would call me in a day or two. This was on XXXX. Today is XX/XX/XXXX. Nobody has called me. I just called them again and went over the same thing. I was told to file a dispute and fax in a copy of the check they cashed. I dont have a fax but will get to XXXX since they wont allow an email. They have had my check almost 60 days and should have returned it or cashed it and transferred the payment to the new servicer.

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