vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: AL

Complaint narrative:
On XX/XX/2021, the agent provided the incorrect amount of XXXX, resulting in me being reported as 30 days late because the amount was XXXX. 

The agent is maintaining that I was informed that they informed me that the amount XXXX, but that was not what I heard the agent tell me. 

I am clearly disputing that I was furnished the incorrect past due amount that resulted in me being reported 30 days late because I did not pay the current past due amount.

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 2021-10-15 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: AL

Complaint narrative:
On XX/XX/2021, the agent provided the incorrect amount of XXXX, resulting in me being reported as 30 days late because the amount was XXXX. 

The agent is maintaining that I was informed that they informed me that the amount XXXX, but that was not what I heard the agent tell me. 

I am clearly disputing that I was furnished the incorrect past due amount that resulted in me being reported 30 days late because I did not pay the current past due amount.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: HI

Complaint narrative:
Corporate entities need to be stripped of power involving credit report systems. I, and millions of others are straight fed up with their scandalous ways. Paying off debt SHOULD NOT make your credit score go down by 67 points, the whole system is 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 2021-10-15 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equfax has refused to put a freeze on my credit report! 
Equifax XXXX XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: MO

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Equifax for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Equifax has committed. I want Equifax to delete these inquiries for violation because they ( Equifax ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Equifax to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Again here are the violations being committed by Equifax when they dont delete the inquiries above in the list : - They ( Equifax ) are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 

- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Credence Resource Management LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I went to pnc bank previously BBVA on XXXX XXXX XXXX XXXX tx to cash a check for XXXX teller gave me XXXX went back to the bank to get corrected XXXX XXXX the manager basically kicked me out asked me to come back Tuesday, I got a call from XXXX XXXX customer service asked me come back on Tuesday to get this taken care of and HE would walk them through the issue waited there for 4hrs just to get no help from anyone Went to XXXX to thank her for NOT doing anything and had the audacity to say your welcome have a great day This is robbery the check was written for the XXXX amount and chose to do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PR

Complaint narrative:
I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
A refund for the amount of {$800.00} was processed to my Apple Card, administered by Goldman Sachs. This refund was declined because it was considered suspicious activity, even though a charge was already on the account for the exact charge- because obviously it was a refund. The representative I spoke to requested I contact the company to reprocess the refund. This is the third time a charge has been declined from this company, and I am baffled as to why a REFUND gets marked as suspicious activity on my card. The company is unable to reprocess the refund and now the representative with Apple Card has instructed me I need to request a dispute on the refund charge. This is outright ridiculous- were talking about a credit to my account! A refund! Per the Customer Agreement I signed, it clearly says refunds will be processed as a credit and it no where says anything about the possibility that a refund can be declined. I never agreed to an institution being able to deny a refund Im justified to getting credited to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
XX/XX/2021 mail stolen from house containing a check for {$1500.00} to a relative was processed using a mobile deposit into an account of Citizens Bank fraudulently. Notified my bank and filed a report with the XXXX XXXX Police Department. Communication between police and my bank followed with an arrest warrant put against the person and no further action by Citizens bank or the warrant resolved my account being refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, /COMENITY CAPITAL BANK . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Alorica Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: IN

Complaint narrative:
This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from Experian. I was unable to submit the screenshots online at experian.com/upload

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 2021-10-15 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
XXXX XXXX with XXXX XXXX XXXX did a balance transfer, consolidating our small credit card debt. Goldman Sachs/Apple Card received our check and cashed it but never applied it to our account. I reached out to Goldman Sachs/Apple Card and said they would investigate ; they came back and said they couldnt find the payment and that they were sorry, but nothing more we could do. XXXX then reached out to Goldman Sachs/Apple and sent them the canceled check showing where they cashed our check and applied it to someone elses account, and they are still refuse to admit their error and fix it. XXXX and I have tried to reconcile with them they deny they ever got the payment. XXXX sent them another letter on my behalf trying to reconcile this, and theyve yet to respond, and that was a month ago, we have canceled checks showing they cashed it, and I have the statement we used to send them the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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:
In XX/XX/2020 an derogatory account was reported for the amount of XXXX. I am filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on 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 explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-10-15 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: PR

Complaint narrative:
I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS

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