vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
Tranunion, XXXX, & XXXX, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed Transunion does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers 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 non-monetary relief
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
XXXX, XXXX, & Equifax, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
XXXX, Experian, & XXXX, continues to report 2 dismissed XXXX XXXXXXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers 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 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

Experian- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME

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 2022-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
On XX/XX/2022, NATIONAL CREDIT SYSTEMS flagged my account as collections without any prior notification of the said debt. The original creditor did not contact me about the reported debt either. As I was not contacted prior to this action, I was not allowed to exercise my right to either dispute or agree on a payment arrangement for the said debt. I was also not given a chance to request evidence/proof of reported debt. 

I am therefore reporting the creditor and appealing for the removal of the reported debt from my credit report. 

Details of reported debt - NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Amount : {$1500.00} Original Creditor - XXXX XXXX  XXXX  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
In XXXX I purchased a dog through this company we agreed on {$2000.00}. They auto drafted the funds from my bank and verified accounts. In XXXX  I was admitted into the hospital for XXXX and lost my job. I had not contact. I had an ongoing investigation with my work to grieve my job. This company did not allow me to enter my new bank account during the pandemic time period and now overcharged me. Can we please dispute and delete this from my report. I reported to the company multiple times. They have harassed me and threatened to charge me {$8000.00}. I have no contract nor a signature to owe this amount of money. I have been asking for information to read any contract. During the pandemic they stopped contacting me. I need help deleting this {$6600.00}. I did not omit to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have disputed this issue pertaining to my payment and XXXX still has not fixed the issue. XXXX  fails to update my mortgage payments on my NationStar.I have requested /disputed that update all of my unreported payments and they still have not which give me incorrect credit scores. during their monthy reporting of XX/XX/XXXX they only increased my score by XXXX point when they have over of 60 updates that they failed to update. They show a correct balance but the payments doesn't reflect on the grid. I am missing updates from XXXX - XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/XXXX, I applied for a Mattress Firm Credit Card. The initial limit was set at {$4000.00}, but the purchase was {$4300.00}. So I asked the employee to see what he can do. He called his manager, worked his magic, and informed me that he was able to raise my credit limit to {$4400.00}. So we went ahead with the order. The next week, I was alerted by XXXX, XXXX, and XXXX, that my credit score had just plummeted by XXXX points. The reason was that I was over my limit. Upon doing some digging I found that my credit limit on the card was not increased to {$4400.00}, it was still at {$4000.00}. But he was able to place the order at 110 % of my credit limit. While I'm certain that my score would've dropped by virtue of applying for the card and taking out a purchase that would be near my limit. However, I am also certain that the score would not have dropped nearly as much. On XX/XX/XXXX, the same day I discovered the score decrease, I complained to Mattress Firm and they issued me a {$400.00} credit. However, my credit score ( that I took years to build ) is still deflated. A Mattress Firm customer service associate informed me that I could write a letter to Synchrony Bank ( the company that hosts Mattress Firms credit cards ) and ask them to remove the derogatory remark. I sent this letter back in XXXX and I have still heard no indication that they received the letter.

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 2022-08-07 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 tried to dispute some items on the credit report. The are violating my Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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 tried to dispute some items on the credit report. The are violating my Rights.

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 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also Transunion is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Transunion- XXXXXXXX XXXX XXXX  IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME

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 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX- XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: VA

Complaint narrative:
These companies ran my credit multiple times without my permission.

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 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2022 I was made aware that I was being scammed by an illegitimate hard money lender company. The company requested fees to be paid upfront in exchange for the hard money loan. I filled out signed contracts and an loan application. I contacted Chase Bank on XX/XX/2022 to request to recall all wires sent to the various bank accounts because I was in fact being scammed. Chase initiated a wire recall for all wires on XXXX XXXX. The first wire was taken place on XX/XX/2022 in the amount of {$2500.00}. The second took place on XX/XX/2022 in the amount of {$5000.00}. The third on XX/XX/2022 in the amount of {$6000.00}. The fourth on XX/XX/2022 in the amount of {$3500.00}. The final transaction on XX/XX/2022 in the amount of {$2400.00}. Once the Chase received instructions from the receiving banks to provide them with a letter of indemnity or a hold harmless letter they have been giving me the runaround since then. All receiving banks requested the letter on XX/XX/2022. Chase wire investigation team told me to contact the fraud department to request a letter. On XX/XX/2022 I filed a claim for all wire transfers and was promised the customer claims department would contact me back and sorry for the constant transferral. No one contacted me. On XX/XX/2022 I was advised the fraud department would be taking control in recovering my funds. When I spoke with the fraud department the representative informed me my case wasnt fraud it was indeed scam and I paid money and didnt get what I expected and that was really on me. Fraud cant help me and I wont be receiving my money back. I was scammed and its nothing Chase can do about the situation. I then went inside of Chase bank branch and spoke with a banker there on XX/XX/2022. The banker then seen the distress I was under in trying to retrieve my funds and finally provided me with a letter although the reason none of the other departments could help with a letter of indemnity because Chase didnt have a template for one. I spoke with numerous representatives from fraud customer claims and inside the branch no one knew what a letter of indemnity was. Now Ive filled the letter out and constantly requested the letter be sent to the receiving banks for retrieval of the wires and nothing has been done. On XX/XX/2022 I was told to contact customer claims for an update on the hold harmless letter. But when I contact customer claims they have no idea what Im referring to and advise me to contact the wire investigation team. No progress has been made in the case of retrieving my wire transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 Experian Updated/ Reported on my report two accounts from XXXX XXXX XXXX XXXX that show 1 As A Paid Account/ 60 days past due. And another As A Paid account/ Charge Off. Both Accounts Are A PAID DEBT That I Will Like Removed off of my credit reports as they are hurting my scores. I have sent multiple letters and contacted the creditor multiple times to try in resolve this issue with no response.

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 2022-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/2019 I was an employee at XXXX & XXXX. My aunt passed away and i was admitted into the hospital on XXXX work related stress. I was approved fmla for the time off and paid by the company. when i returned i was XXXX. I was billed for company items that were given to me on discounts as an employee. My bank accounts were closed. I never did any business outside of being a company employer. I don't know who is asking me for money. I was not allowed around company properties during a year long investigation and grievance during the pandemic. I never signed a contract nor I gave permission to pass information to a 3rd party that I never heard of post pandemic. This company did not verify a debt without sending written information or notification post pandemic. I dont know why I owe this company the dates are between XX/XX/2019 to present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have made several requests that XXXX update my accounts with the payments. In reviewing my Select Portfolio account I have found yet another one of my account that does not have correct information. My loan was transferred to SPS back in XX/XX/2020 which they sent me a letter stating the change. My first payment was sent to them XXXX and XXXX but their records show no evidence of the payments being reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 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 2022-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I purchased furniture from Ashley Furniture because I qualified for a store credit card and no one explained anything about " deferred credit ''. Instead this store credit card was presented as a traditional credit card by the sales people. I have made timely payments since I have had this account, but now Ashley has not only applied this " deferred credit '', but they have also reduced the credit limit. As a result of this reduction of credit and the application of this " deferred credit '', the account now reads that I am over the credit limit which will be a negative impact to my credit score. Had it been explained that the company would conduct business in such a way, I would have declined their offer.

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 2022-08-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # 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 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 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
This is the second time I have filed a complaint however you all stated the information didnt match. Review the call notes the Agent stated a Supervisor would call me months later no response.I will attach the information that was provided to me after the other claim under email address XXXX This compliant is with CASH APP.. their are several transactions that are fraudulent I have contacted them To no avail. I asked CASHAPP to close my account and as you will see from the evidence they are still sending text messages that my card was declined. They also sent me a text I was - {$900.00} and some dollars. All the money that CASHAPP allowed to go through that was fraudulent. I want all my money back. The people that did these fraudulent transactions I am willing to prosecute. They need to reimburse my money and they need go after these people to get their money back. CASHAPP has been on the news in XXXX, Florida it is not fair to me as a consumer to be defrauded and not receive any compensation for their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 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 2022-08-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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