vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
REF : XXXX Original debtor : XXXX Amount : {$880.00} I have no received any written notice about this debt. Ive been disputing this debt monthly and daily by calling original debtor. Its been well past 30 days and have not received any correspondence agreeing i owe this debt. I have no knowledge, Ive never obtain any goods/services to this company at any point. Please remove this from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: IN

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
You, Equifax LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXAccount 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: GA

Complaint narrative:
Equifax is still showing XXXX XXXX XXXX on my credit report and it should been deleted as of XX/XX/. I have disputed this with them twice and it still hasn't been resolved. I have also asked them to have XXXX to send proof that this item should still remain on my credit report. This still has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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:
By the fair credit reporting act, this credit has violated my rights. Under XXXX5 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I trying to talk to them regarding the fees and interest fee so they can lower it down so I can paid off but they dont want it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Charged finance charges even though balance was paid within 2 business days of charge posting to account. Total charges are {$2.00}. Company agreed to give refund but has not process even though I have been calling for the past 2 weeks. 

Comenity Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My IRA CD in the amount of {$95000.00} was requested to be transferred to my investment company in XXXX. The account was closed by PNC bank on XX/XX/XXXX and my investment company has still not received the funds. I called PNC bank about this on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I visited a branch in XX/XX/XXXX. I called XX/XX/XXXX. I sent a Indemnification authorization and it was received XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX. I was to get daily updates which I have not gotten. I called XX/XX/XXXX with no return call. I still have no answer as to when I will receive my money. I have lost 4 months worth of interest and an investment opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened a business checking account in person at citizens bank in XX/XX/2023 I advised the branch manager that I would be receiving a large deposit from XXXX XXXX. On XX/XX/2023 I deposited a check for {$15000.00}. They released {$200.00} of it and put the rest on a 10 day hold. On the XXXX day they extended the hold till XX/XX/2023. On XX/XX/XXXX they extended the hold till XX/XX/2023. The check is drawn from XXXX bank. XXXX XXXX has sent me the voided check showing that that the check has cleared the account and citizens has been paid the money. I have sent numerous emails to numerous people at citizens, called numerous times, went into the branch numerous times trying to get someone to help me and no one seems to be able to help me receive my funds. I have the voided check showing it was a valid good check and I have emails from the director of XXXX XXXX validating that I was supposed to receive the money. I have been more than accommodating getting citizens the information to prove that Im to receive these funds and they are still holding my money and have single handed ran my small business into the ground

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: MI

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment. 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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:
I am writing to dispute information on my credit report that is related to a bankruptcy filing. According to my credit report, there is a bankruptcy filing that was reported in XX/XX/XXXX However, I have not filed for bankruptcy and the information on my credit report is incorrect. 

I sent letters to you on XXXX XXXXand XX/XX/XXXX requesting that this information be removed from my credit report, but it has not yet been corrected. I also contacted the US Bankruptcy Court, and they informed me that they did not report or verify this information. 
Please send me a written response confirming that you have corrected the error and removed the bankruptcy information from my credit report. If you are unable to verify the accuracy of this information, please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TN

Complaint narrative:
I am writing to dispute information on my credit report that is related to a bankruptcy filing. According to my credit report, there is a bankruptcy filing that was reported in XX/XX/XXXX However, I have not filed for bankruptcy and the information on my credit report is incorrect. 

I sent letters to you on XXXX XXXXand XX/XX/XXXX requesting that this information be removed from my credit report, but it has not yet been corrected. I also contacted the US Bankruptcy Court, and they informed me that they did not report or verify this information. 
Please send me a written response confirming that you have corrected the error and removed the bankruptcy information from my credit report. If you are unable to verify the accuracy of this information, please remove it from my credit report 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
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
Demanded the account be closed in XXXX of XXXX. Still hasn't been done. Got dunned XX/XX/XXXX for {$15.00}. YEAH RIGHT! Closed accounts can't generate fees. WILL NEVER PAY. I marvel at Discover Banks inability to perform the simplest functions in the year XXXX. I am certain we will be soon bailing them out. What a bunch of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CO

Complaint narrative:
I recently opened up XXXX XXXX credit card linked to my chime account. My money was leaving my account but not being paid to XXXX XXXXXXXX which cause my card to be closed and my score dropped and I had b just been working to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Avid Acceptance, LLC
State: IN

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. 

AVID ACCEPTANCE  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 explanation
Consumer complaint received 2023-06-05 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:
Please take immediate action to remove the fraudulent ACCOUNTS from my credit report as I did not authorize them, and they are causing me a great deal of distress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I call them to see if I can my late fees and interest fee to be taking off but they didnt want it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
can not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
can not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
please update my credit file with a correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX and give me my current credit report and score or i will file lawsuits you are requried by law to update my credit file with the correct information. please fix my credit file and give me the correct credit score and credit report or i will file lawsuitscan not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
please update my credit file with a correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX and give me my current credit report and score or i will file lawsuits you are requried by law to update my credit file with the correct information. please fix my credit file and give me the correct credit score and credit report or i will file lawsuits

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 2023-06-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 2023-06-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed by a cashapp customer posing as a hairstylist. I sent this person a deposit to schedule an appointment slot. 

Many people had already been scammed by this cashapp customer and complained to cashapp but yet they still kept this scammers account open, which put me at jeopardy of being scammed as well. 

I have asked cashapp to return my money and they have refused. 

I also filed a fraud complaint and this company STILL has kept this scammers account open to scam others. 

This company should be held accountable for not taking the steps to close the scammers account leaving innocent people like myself at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-06-05 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX  ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( XXXX ) XX/XX/XXXX {$260.00} ( XXXX  ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: PA

Complaint narrative:
please remove incorrect unauthorized accounts and reverse late payments from report

Company response to consumer: Closed with non-monetary relief