vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CONST LLC
State: TX

Complaint narrative:
XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). I've been investing with them for almost XXXX years and currently have {$41000.00} with XXXX. As of XXXX days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. 
I have filed complaints with XXXX Police Department, XXXX, SEC, XXXX, and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I need to pay off credit card and paydayloans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TX

Complaint narrative:
Equifax is showing 1 account in collection that does not belong to me. I have asked 3 times to get it removed but they dont ablige. 
The collection account is from XXXX  reported by XXXX. Equifax has reported back that there is no such account, but its tight there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid off a Capital One Credit card account in full prior to my due date, was charged interest and late fees on a XXXX balance and may have had a negative impact to my credit score. Capital One did not contact me to resolve this matter. 

I paid the account off in full prior to my closing date in full prior to XX/XX/XXXX, the due date and closed the account. {$6000.00}. At closing the balance reflected was XXXX. 

Without contacting me via text or email, my primary means of communication, Capital One charged XXXX months of late fees and interest, writing my account off as doubtful in XXXX. Only by opening physical mail from Capital One that I assumed to be marketing material did I learn about this. 

I have never made a late payment and have an XXXX+ credit score as of writing this. I closed the account in good standing with a XXXX balance and made a large payment to do so. 

XX/XX/XXXX - Balance Paid XX/XX/XXXX - ( due date ) Account closed and autopay cancelled - XXXX balance indicated XX/XX/XXXX - First interest charge incurred XXXX - XXXX - Additional interest XX/XX/XXXX - Account written off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MI

Complaint narrative:
Arrest mortgage accepted XXXX payments on XX/XX/2022 amounting to {$2300.00} that I erroneously made to them. They sold my mortgage in XXXX and I paid the wrong mortgage company this month. They deny having my money despite my bank providing proof they sent the money electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Capital One last 4 digits XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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:
On XX/XX/2022, I called XXXX XXXX  about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and Experian reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with XXXX XXXX  and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called Experian, but they said that XXXXXXXX XXXX  would have to send a letter to have the inquiry 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 explanation
Consumer complaint received 2022-11-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Arronrnts # XXXX, XXXX # XXXX, 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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/XXXX via XXXX and on XX/XX/XXXX via XXXX and consumer credit transactions were completed with Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX XXXXSynchrony Bank denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

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 2022-11-21 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: CA

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, in amount of {$7700.00} 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 an 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 2022-11-21 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: CA

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, in amount of {$7700.00} 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filled a complaint in XXXX that Wells Fargo. I pay off a loan onXXXX and they mistakenly credited it to some other account. It took 5 weeks to have it fixed and was told that it would be credited back to the original payment date and it would not be reported to credit bureau as a late payment. On XXXX I got a message from XXXX XXXX that a late payment was reported and my credit score dropped 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 2022-11-22 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: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Balance : {$33000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: WI

Complaint narrative:
L.J. Ross has repeatedly violated federally protected consumer rights by failing to adhere to government issued protocols for debt collectors ; federal authority granted in 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ). Specific to the issues at hand, prior to reporting to a credit agency that an account is in collection status, as required under law, L.J. Ross must furnish verification of an alleged debt to the consumer. Further, L.J. Ross must notify the consumer of their right to dispute the alleged debt and the subsequent instruction. 12 C.F.R. 10 1006.34 ( a ). L.J. Ross is also barred from utilizing deceitful activities or tactics when working on the collection of any alleged debt. 12 C.F.R. 10 1006.18. L.J. Ross has violated the requirements of 12 C.F.R. 10 1006.34 ( a ) by not furnishing or attempting to furnish verification of the alleged debt. In fact, L.J. Ross DOES NOT MAKE AN ATTEMPT to notify an alleged debt prior to sending the debt to collection status. I have resided at the same address for four years and maintained the same phone number for sixteen years. By reporting to credit companies without notifying or providing consumers verification of alleged debt, L.J. Ross is engaging in deceitful tactics. Validation of the debt does not exist as reported, because claims of service dates do not match appointment or insurance benefit explanation statements. In addition, upon filing disputes with credit agencies has led to multiple collections accounts held by L.J. Ross being resolved and removed. However, L.J. Ross responds by reporting new accounts in collections for the same amounts. L.J. Ross has devalued by credit score by over ten percent, resulting in my failure to be able to secure a needed student loan or HELOC. I have been battling this agency for nearly a year, only to find similar stories and law firms advertising on how they can defeat L.J. Ross 's deceitful practices. Federal authority to issue protocols and regulate collections agencies was granted to the CFPB to ensure protections for consumers from companies like L.J. Ross.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Cascade CISS Holdings, LLC
State: AL

Complaint narrative:
Made inquiry for loan with XXXXXXXX XXXX XXXXXXXX, AL. Specifically request that I am not shopped around and only request financing from XXXX direct. The hungry salesman disregarded my request making multiple outside request, as well as duplicate request with the same company on different dates fraudulently, without my knowledge, verbal authorization or written consent.To add, there are duplicate inquiries within a 24 hour periods for the same funding agencies. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed a CFPB complaint regarding the following accounts : XXXX XXXX account # XXXX XXXX account XXXX XXXX I have also submitted multiple disputes regarding these account being improperly reported. XXXX XXXX fraudulently locked my account and closed it out as a charge off. XXXX closed the account with a balance on it and did not allow me to pay off the account. 

It has been well over 30 days for them to respond to my complaint. These account need to be immediately removed from my credit report.

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 2022-11-22 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, I called Chase Bank about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and XXXX reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with Chase bank and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called XXXX, but they said that Chase bank would have to send a letter to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was called by who I thought was XXXX XXXX and was talked about returning an order I had placed. They told me they were going to help me refund the money and had me download an app called " XXXX ''. Because I thought it was an XXXX XXXX I was speaking to I followed what they said and downloaded the app. Once the app was downloaded they told me to give them the access code I did, and it gave them remote control of my phone, at the time I was unaware of this. Once they had control of my phone they opened my bank app the password was automatically filled in because I had face ID enabled. They were able to transfer {$390.00} without my knowledge in a concise amount of time. Once I realized what had happened I immediately contacted my bank and told them the situation. I feel because of the language barrier they had a hard time understanding me and didn't look into the matter as seriously as they should have. I tried calling them multiple times but each time I felt that the didn't properly understand what i was trying to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-11-22 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: TN

Complaint narrative:
On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TN

Complaint narrative:
On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.

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