vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Around XXXX of 2019, I signed up for the low income internet program through XXXX called internet essentials. The bill was for {$9.00} a month. After about 3 months, the service was shut off due to bill lapse. I eventually received a notice requesting {$53.00} from Sequium collections. 
A year later, I noticed that my XXXX XXXX was significantly lower than usual at XXXX. Perplexed, I began investigating the cause. Upon closer inspection, I was able to take note that upon Sequium removing the collections for {$53.00} from my account, my score also subsequently dropped XXXX immediately after. 
I feel that losing XXXX credit points for a {$53.00} debt is a bit extreme.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: OH

Complaint narrative:
On XX/XX/XXXX I received mailing from Mandarich Law Group LLP collecting on a debt for XXXX XXXX, XXXX. They stated original creditor was XXXX XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX CO, XXXX filed with XXXX XXXX XXXX by XXXX XXXX on behalf of company XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX, XXXX and a default judgment entered and was paid in full effective XX/XX/XXXX. I have sent Mandrich Law group a dispute letter as this debt was paid in full back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-09 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: TX

Complaint narrative:
i submitted a dispute with XXXX, Experian and XXXX. with regarding these acounts i've attached the documents. 

i pulled my credit report and seen a few inaccuracies according to 12 CFR 1022.41 ( a )! now i am judging the integrity of these accounts! According to Title 12 Chapter X Part 1022.41.

12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : 12 CFR 1022.41 ( d ) ( 3 ) ( i ) ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and I seen XXXX XXXX XXXX on my consumer Report & seen the open dates are XXXX different Date Opened : XXXX XX/XX/2016 Experian XX/XX/2016 and well as XXXX XXXX : XXXX {$2000.00} Experian {$0.00} XXXX Deleted this account but Experian seem to keep reporting this inaccuracy which is Hurting my consumer 's creditworthiness, credit standing, credit capacity.

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 2021-12-09 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: IL

Complaint narrative:
I PURCHASED A XXXX XXXX AND FINANCED IT THROUH XXXX IN EARLY XXXX. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY. 

AUTPAY WAS SET UP AND I EXPECTED ALL PAYMENTS TO BE PROCESSED THIS WAY. THE COMPANY RESPONDED TO ME THAT THE INITIAL PAYMENT WAS NEVER INTENDED TO BE PAID BY AUTOPAY. AS FAR AS THE DELINQUENT NOTICES I ASSUMED THEY WERE BOOKKEEPING GLICHES SINCE XXXX HAD MY DEBIT INFORMATION FROM MY ACCOUNT.

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 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/21 Account # XXXX {$370.00} that I owe I have never signed any written document saying that I owed the debt to the collector. 
They are violating my rights of the FCRA. 

I do not know who they are and have not given written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OK

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Netspend Corporation
State: WA

Complaint narrative:
My name is XXXX XXXX and I received an email about a card on the way in which I never signed up for. I believe this was a mistake or someone fraudulently opened an account under my 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 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I believe Capital One Bank ( USA ) N.A. wrongfully denied my credit card increase request submitted on XX/XX/2021 due to me filing a credit report dispute on XX/XX/2021 against information reported by Capital One Bank ( USA ) N.A. with the major credit reporting bureaus including XXXX. 

XXXX. On XX/XX/2021, Capital One Bank ( USA ) N.A. provided a denial letter that stated they used a credit report from XXXX dated XX/XX/2021. 

XXXX. I believe Capital One Bank ( USA ) N.A. used an older and disputed credit report, which has since had information corrected, to wrongfully denial my credit card increase. 

XXXX. The factors stated within Capital One Bank ( USA ) N.A. denial letter are no longer accurate due to the XXXX investigation involving XX/XX/2021 credit report dispute as they should have known. Thus, my credit scores have significantly improved. 

XXXX I believe Capital One Bank ( USA ) N.A. did not obtain a current credit report to wrongfully deny my request for a credit card increase. 

XXXX. As a current customer, I also have a good payment history with Capital One Bank ( USA ) N.A. and other creditors. 

XXXX. My credit card increase was a moderate one due to my on-time payment history with Capital One Bank ( USA ) N.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX was a victim of fraud. I called Citibank because I felt something was wrong after I got off the phone with a XXXX employee who transferred me to a different department to resolve my issues with stopping a automatic deduction on my checking account. They Put in an investigation in however came back and said that my claim was denied. So Citibank wont honor a claim for a fraud victim. To make matters worst I repeatedly called, visited branches to get my checking plus line of credit transferred to the new checking account no results was told it cant be done. I asked for the old checking plus to be linked to my card so I can pay it that was never done then they charging me late fees and ruining my credit. I mess eventually told by a personal banker at the XXXX XXXX, New York location that my checking plus account could not be transferred to my new account. If I wanted to use my checking plus account that they would have to remove the fraud freeze and if any unauthorized transactions took place I would be held liable. This has been a nightmare not only was a victim of fraud by criminals, I am also a victim of Citibank. My credit score dropped over 40 points during the time.

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 2021-12-09 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: IL

Complaint narrative:
I am currently applying for a mortgage and in reviewing my Experian credit report I noticed that there is an account with XXXX XXXX XXXX opened XX/XX/2019 on it that does not belong to me and is in arrears causing massive damage to my credit score and preventing me from getting a mortgage. I had received alerts that my information had been found on the dark web/ black market as far as my personal. I informed Experian about it and told them that the XXXX XXXX XXXX account does not belong to me that it is fraud. I have been fighting with Experian for over 60 days with this matter and I need this account removed. I have been advised by my attorney to file legal ACTION against XXXX and Experian to cure this matter. I have provided PROOF OF A POLICE REPORT SUPPORTING MY CLAIM and Experian is still ignoring it. I have not received any information from XXXX XXXX XXXX or Experian concluding their investigations. This is not my account. It is illegal to report incorrect information to the credit bureaus. The XXXX XXXX account has not been verified with any documentation stating that this account belongs to me. No name, no number, no letter has been provided to prove that this account belongs to me.

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 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I.C. Systems has called repeatedly. I told them I couldn't pay the debt and they would have to wait until tax time ( I actually do pay medical bills with my tax refund ). Since then, they have been flagging my account with the same bill over and over again. I have gotten several notifications from XXXX about I.C. Systems flagging my account. My credit score has went down XXXX points because I.C. Systems keeps reporting the same bill over and over again. They have reported it 4 times in the month of XX/XX/2021.

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 2021-12-09 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX Balance {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$25.00}

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 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX I contacted support at casbapp and explained h wanted to dispute a charge. I allowed a so called friend to use my phone to call his ride and he sent him self money. Wasn't authorized but they did nothing to help. My bank said it's cashapp who needs to fix it and cashapp says it's my bank. That brings me to yesterday. XX/XX/XXXX I was given {$45.00} from a friend to go shopping at kale a local store. It took roughly six hours to make it available. I cashed it out. Now I already did my shopping. Later that evening I went to dinner with friends and tried to send my friend XXXX {$50.00} for my cost the if the meal. Cashapp abruptly refunded the money my balance " for my protection ''. So I tried to cash out the funds I just loaded from the same account and card and it then locked my account. They then over the next 8 hours 3 different times told me I could access my funds and first I needed to cash it out onto a new card. The I needed to use with my casbapp card and lastly well you can try but I can't say it'll work. I was told for 8 to 10 hours I would access it within 24. Now that we are half way there it's changed to 24-48. They are being dishonest and there is no transparency. How is this not unjust enrichment? Here is the entire chat. At one point when I explain this caused me to be cited by local police for theft of service and how important it is for a business that allows it self to be used as a banking service to hold them self to that same standard and the rep clearly responds mocking me. I have never gotten so much as a speeding ticket and tonignt I looked like a XXXX  or XXXX XXXX because cashapp decided I am not allowed to have my money or pay for dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these Credit Reporting Agencies as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021, we see a transaction on our Bank of America online banking for {$2300.00} using our debit card details. The vendor is XXXX. 

We reported the issue to Bank of America on XX/XX/XXXX. However, on XX/XX/XXXX, the bank replied back saying they couldn't pay us because they don't see any fraud. 

We know for sure that we have never done a transaction with 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 2021-12-09 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: MD

Complaint narrative:
I filed with Experian number XXXX These accounts arent mines they do not have my whole social security number and it is not on my other 2 credit reports it only is reporting on Experian account not mines

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