vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: KS

Complaint narrative:
I paid Lexington law services for a trial a five day or something to repair my credit .. well then it didn't do anything but every week there was a charge even though they said they would not charge unless theydid something they never accomplished or did anything even though they took my money and I was getting the run around about a credit letter they said I could get but it changed everyday it was a different story

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Atlanticus Services Corporation
State: WI

Complaint narrative:
I discovered this fraudulent account was on my report and I completed a ftc report and this account has not been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: KY

Complaint narrative:
There is a collection account on my XXXX, XXXX, & TRANSUNION credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the XXXX major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently 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 2023-05-25 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: KY

Complaint narrative:
There is a collection account on my EQUIFAX, XXXX, & XXXX XXXX reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I pulled a copy of my XXXX consumer report and noticed that Capital one is reporting a late payment dating XX/XX/. According to 15 USC 1681 ( 2 ) ( a ) ( i ) transactions are to be excluded from the consumer report but they are being reported as a late payment. This is inhibiting my ability to get lines of credit, inhibiting my ability to open merchant accounts for my online business, its inhibiting the ability to get houses and cars to live. Today, XX/XX/XXXX after several previous attempts to get the payment removed, however capital one is reluctant to remove the late payment despite being put on notice that it is a violation of consumer law. I have XXXX kids and it is making it hard for us to survive day by day. I kindly request that this late late payment gets reversed and the status shows on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....

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 2023-05-25 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: FL

Complaint narrative:
I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Purchased flooring from XXXX 's XXXX on XX/XX/XXXX via Synchrony XXXX Credit Card. Noticed that there were issues with the flooring after install and I contacted XXXXXXXX XXXX directly to resolve. They asked me to wait 90 days to see if it would resolve on it's own and it did not. After attempting to contact XXXX 's again to no avail, I reached out to Synchrony to file a dispute. On XX/XX/XXXX I filed a dispute in the amount of {$6000.00}. This dispute was entered by Synchrony as {$600.00} instead. XXXX 's did not respond to this dispute and on XX/XX/XXXX I received a credit of {$600.00}. I called Synchrony to inform them that the dispute credit was for the incorrect amount and on XX/XX/XXXX a new dispute was filed for {$6000.00} with a required response date of XX/XX/XXXX. XXXX 's failed to respond during this timeframe and then on XX/XX/XXXX, XXXX 's was sent another notification and was given until XX/XX/XXXX to respond. On XX/XX/XXXX XXXX XXXX responded to say that they were unaware of any problems. This statement from them was not truthful as I personally went into the store to meet with XXXX on XX/XX/XXXX and showed her a video of the sounds my floor was making. At this time, she stated that she was going to have her manager contact me. I waited 1 week and called XXXX back and spoke to XXXX who stated she was with a customer and once done, she would call me back- which never happened. On XX/XX/XXXX I filed a dispute thinking this would get their attention. However, because Synchrony filed the initial dispute for the wrong amount, I was forced to file a second dispute and reopen the case. I feel like Synchrony never did anything to work with me as they only seem to have cared about XXXX 's side of the story and sided with them in the dispute even though you can clearly see that Synchrony failed by filing the dispute for the incorrect amount and XXXX 's lack of, or slow, responses.

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
This complaint is actually associated with my other complaint against XXXX. My XXXX  account and Cashapp account were connected. Unauthorized transactions were made via Cashapp using funds from my XXXX account. I have made three disputes and all have been rejected. When asked to provide documents of their investigation, all I am provided with is a graph of dates and times these transactions were made. Another reason they gave me is that they said I authorized or gave someone else authorization to make these transactions which is completely false. If I did one of these things then why would I dispute these transactions? I just believe this unfair and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: DC

Complaint narrative:
I DID NOT GIVE AUTHORIZATION!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I spoke with Jefferson Capital Systems LLC today XX/XX/XXXX at XXXX XXXX and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " XXXX XXXX '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
According to Experian on XX/XX/ a full investigation was conducted and that all accounts on my profile was verified from each company and are correct which I have found this to be false. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Ive disputed these accounts on multiple occasions now and they claim to have verified this information being accurate which is false and have failed to provide me with proof of verification. The accounts still have inaccurate information causing damage to my consumer report. None of these companies presented a signature of me agreeing to debt or identification and the accounts were placed back on my profile without notifying me within 5 days which is violation of 15 USC 6802 which states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Also these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I need the following listed accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I used electronic checks to send money to IRS and XXXX XXXX XXXX XXXX on XX/XX/XXXX. They never received checks and my account was debited for {$2100.00} total. I have asked Chime via message, email, and phone for canceled checks beginning XX/XX/XXXX and they have not provided the checks nor credited my account. 

I need proof of receipt for the following recipients : IRS and XXXX XXXX XXXX XXXX 
See below : IRS {$1600.00} - dated ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX- {$480.00} dated ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for the capital one venture card XX/XX/2023. In response I got a request for proof of income. I sent in my tax return documents ( as listed in their list of documents that can be provided ). That document was not accepted as it was a joint tax return form. They wanted additional information to show proof that I have access to my household income ( aka my husbands income ). I filed a complaint with CFPB and capital one at that point sent me a letter saying they needed a notarized document from my husband stating I had access to his funds.this makes no sense as we are married, live in the same home and have joint bank accounts. I complied and sent them a notarized document. Even after sending this they didnt accept and said they wanted more information on how much amount I have access to and the frequency. The letter clearly stated I have access to all of his funds including bonuses, investments and rental incomes and assets. I complied once again and sent a notarized letter stating a monthly amount and frequency. They have again not accepted this because now they want proof of my husbands income. This is so stupid and ridiculous. They already have the income tax return they can clearly see his income. I find this whole process harassing and mentally draining. It is an insult that I have to keep sending them stupid information that has no basis. They have no common sense.. my husband doesnt pay me monthly or gives alimony, it is household income and according to the law it is considered mine and I obviously I have access to it. I feel that capital one is being discriminatory against me for being a female and a XXXX XXXX XXXX XXXX and just finding reasons to not process and are delaying my application. They dont even connect me to the person processing the application which is ridiculous. 
If I knew this was the horrible and painful process of applying for the capital one venture card I would never apply for it. It has already created an unnecessary hard inquiry in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A deposit was made into my account with XXXX XXXX which is a division of Webster Bank on XX/XX/2022 in the amount of {$40000.00}. The deposit came from XXXX XXXX  XXXX bank. The XXXX XXXX  XXXX account belongs to a friend of mine. I received an email stating the deposit cleared the account. I do not have checks or debit card to access this account. I attempted to transfer the money to my primary account which was at XXXX XXXX  at the time. I received an email from Webster Bank stating the transfer had been initiated. A few days later I received another email from Webster Bank stating the transfer has been stopped. I have made several calls to XXXX XXXX. I have spoked with multiple representatives. Every time I call all they will tell me is my account is under investigation. I have been getting told for 6 months by the various representatives at XXXX XXXX that my account is under investigation. However nobody can tell me why it is under investigation or how long it will take to complete the investigation. 

I really need to get this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have XXXX home equity lines of credit with BMO Harris Bank. I am current with the primary ( XXXX ) line of credit. 

I am behind payments on the second line of credit since XX/XX/XXXX. I am currently working with Loss Mitigation at BMO Harris and the Illinois Housing Development Authority. I would like to file a complaint of XXXX XXXX with BMO Harris. 

I started my Loss Mitigation application on XX/XX/XXXX and my application with Illinois Homeownership Assistance Program on XX/XX/XXXX. 

I have received a Notice of Entry of Default and Judgement of Foreclosure on XX/XX/XXXX. Case Number 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 2023-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a mortgage with Wells Fargo. On several occasions I applied for a modification under the false pretenses that no payments needed to be made. I then went into Foreclosure twice and had to pay attorney costs, and other additional costs. Not to mention when I sold my home I still had to pay additional funds. I also had a checking and savings with Wellsfargo. They had signed me up for yet an additional accounts. No one wants to be held responsible.

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 2023-05-25 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: NJ

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

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

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

Company 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