vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA NA is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAPITAL ONE BANK USA NA but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK USA N XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX {$510.00} XXXX {$0.00} XXXX XXXX {$110.00} XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$15000.00} XXXX XXXXT XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX {$490.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) is a debt collection law firm. XXXX XXXX harassed me regarding a mortgage debt I did not owe to their client. Their client, Caliber Home Loans, Inc., is a debt collection agency and Servicer for XXXX XXXX XXXX XXXXt ( XXXX XXXX  ). XXXX XXXX is not registered with the Texas XXXX of XXXX and per the Attorney for the XXXX XXXX XXXX can not do business and/or enter into litigation in Texas or XXXX XXXX I invoked my Homestead Protection Act Instrument in XX/XX/XXXX with XXXX XXXX, ( XXXX XXXX XXXX  ) because of XXXX XXXX, HSBC Holding PLC Adjudication Agreement with XXXX XXXX  DOJ for Money Laundering and Other Financial Crimes dated XX/XX/XXXX. My homestead was protected from seizure and/or sale because of the felony crimes that XXXX XXXX XXXX XXXX A felon can not profit from a XXXX. XXXX XXXX ( XXXX XXXX ) entered into a Consent Agreement in XXXX in which all home owners were compensated for the threat to sue and initiating Foreclosure during that period. XXXX paid {$190000.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX which should have been sent to me. On XX/XX/XXXX, XXXX XXXX XXXX from the XXXX XXXX sent me a letter which stated I had a zero balance and the file was closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed in an email that my XXXX XXXX account had a XXXX XXXXlance as of XX/XX/XXXX. XXXX XXXX employee said that XXXX XXXX reinstated the debt the same day. Please see XXXX XXXX XXXX XXXX file submitted on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw XXXX debts reported by Synchrony Bank for XXXX accounts from Walmart card and care credit. The trade lines are demanding I pay {$850.00} total. Since I was laid off, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$400.00} as payment in full. If so, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$400.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

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 2021-12-03 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN 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 non-monetary relief
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There has been two disputes that I have sent in with Experian, asking to provide the original contract and also to delete the following accounts because of illegal collections fees. The original contracts have not been sent and the following items remain on my credit report which I have disputed. The accounts are as follows XXXX XXXX XXXX, XXXX & XXXX and 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 2021-12-03 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
HEY XXXX XXXX- TRY HARDER. 

Your responses to my previous complaints only illustrate how little care your company takes in addressing these matters. My concerns related to Square date back far before the transaction for {$3600.00} which you made the centerpiece of your response, however it was not actually even MENTIONED in the complaint you were responding to. While an error in your software did occur that day, a fact that you have XXXX  myself AND XXXX, the recipient of that transfer about until your customer service lackeys were blue in the face, again that transaction WAS AT NO POINT EVEN BROUGHT UP. 

This serves as further evidence that this transaction and my complaints about your software are the true reason for my banishment from the platform. In fact, you have all but admitted this with your response sobre again I DID NOT EVEN MENTION THAT TRANSFER IN MY COMPLAINT. 

You guys arent even trying to be compliant at cash app. CFPB are you getting this XXXX? Unbelievable! 

TRY HARDER!! And give me me XXXX account access back before I sue you. Your ridiculous terms of service are NOT LAW, as much as you might like to tout them as such, they are just made up words with no actual legal impact given that square is operating a de jure criminal enterprise. 

I mean you guys dont even pick up the phone XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below are still reporting on my credit report in violation of Federal Law. BARCLAYS BANK DELAWARE failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE the account below : ( BARCLAYSBK 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 2021-12-03 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I paid {$30.00} on this account, which was the amount due every month, before the due date.i was promised a increased, for no apparent reason, in addition to being charged {$99.00} a year and {$10.00} a month.Well after I made the payment, of $ XXXX.I decided to close this account. I never received a bill for {$37.00}, which they say was due and not the {$30.00}, which sound suspicious. I received a call stating you should have paid {$37.00}, not {$30.00}, and we are going to charge you {$29.00} late fee.I have been billed {$71.00} for the month of XX/XX/XXXXI am not going to pay, these people are scammers and take advantage of people with less than perfect credit.There was no description of a {$71.00} charge.

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on LVNV FUNDING LLC 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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 is the list of the erroneous account reporting on my Credit Report : ( LVNV FUNDING LLC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: MO

Complaint narrative:
I have previously disputed this item with Equifax ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXXBankruptcy court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$2200.00}

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am having a very difficult time with Rushmore XXXX. I had become unemployed and the COVID 19 Pandemic has dragged out my situation. I have am now on social security and have my son living with me to help with the mortgage. I also now have a renter paying {$1000.00} per month to help with my income. I am able to afford the mortgage and based on modification guidelines my income should be approved. 

After the COVID 19 Forbearance I applied for a modification. The problem I am having with Rushmore is they declined me for not having any income and and stated to me I have had 3 modifications. Both are false. I feel like Rushmore is being very predatory and not truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw 2 debts reported for Capital One. The trade lines are demanding I pay {$1300.00} for a Capital One Credit Card and a Kohl Card issued by Capital One. At the time that both accounts went delinquent, I had been laid off from work. the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save to take care of old debt, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$600.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: AES/PHEAA
State: AR

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

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation