vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have submitted a dispute in reference to hard inquiry on my report dated XX/XX/2021. Ive had a conversation with capital one representative and couple days later, capital one reached back stating they dont see no inquiry on their end. I had to send in a dispute with XXXX and they verified that capital one ran my credit report on XX/XX/2021. They also stated it can be removed if capital one provides a letter stating the inquiry can be removed but capital one seem to be silent and not granting me the requested concern I asked for. This is violating of 15 U.S. Code 1679c.

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: CA

Complaint narrative:
I am filing this complaint against Equifax for reinserting an collection account back on to my credit file after removing it around XX/XX/2021, The account is from XXXX XXXX XXXX acct. # XXXX a collection agency. Equifax has reinserted the account under other same amount {$300.00} just different section or category of my credit report. This is negatively impacting my credit it is unfair practice. Please help me to have Equifax to delete this account once again from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
I sent my letter on XX/XX/2022. I asked Transunion to " Investigate every piece of information is correct and accurate '' on the accounts list below. Also, I have attached the letter I sent, and here is my tracking number # : XXXX According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a PROPER investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. Per the FRCA 15 USC 1681 EVERYTHING HAS TO BE 100 % ACCURATE. I have the credit report showing the inaccuracies. The last verified date is inaccurate, the date of last activity is inaccurate, Date opened is inaccurate, closed date is inaccurate, last payment is inaccurate, account type is inaccurate, and two payment is inaccurate. This is ground of removal per FRCA 15 USC 1681. 

Accounts : XXXX XXXX : XXXX Furthermore, in the accordance with the FAIR Credit Reporting act XXXX Account # 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 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 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Citing PERMISSIBLE PURPOSE -Fair Credit Reporting Act A furnisher must not furnish inaccurate consumer information to a CRA XXXX and furnishers must investigate a consumer 's dispute that the furnished information in inaccurate or incomplete. If ANY information has been deleted from a consumers file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available for that purpose. Please find attached proof that this company has reinserted an inaccurate account that had already been deleted by XXXX  from the XXXX report XX/XX/2021. This reinsertion of erroneous information that was previously deleted is AGAINST THE LAW and needs to be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On Friday, XX/XX/2022 I made an online deposit through the Chase mobile app. I am a XXXX XXXXXXXX in the XXXX XXXX XXXX and provide XXXX services. I had a check deposited for XXXX services completed for the amount of {$9500.00} from a company which I have deposited numerous times before. Chase did not acknowledge the deposit until Monday midday and stated a hold would be placed for the full amount of the funds until Wednesday, XX/XX/2022. I did not object and waited until Wednesday the XXXX to check if the hold had been removed. On Wednesday, XX/XX/2022 at XXXX Chase decided to send a letter via email stating the check would now be on hold until XX/XX/2022. I am a very small XXXX and I depended on the funds to pay my employees and run day-to-day operations. I called Chase which referred me to their Fraud Prevention Services, when speaking with the Fraud Department, I was asked numerous questions regarding the check but these questions were regarding the nature of the check, what my company does, and what services it provides. I advised them that I run a XXXX  business, which more specifically provides XXXX services, that yes my checks are most times on the higher end, and that all checks come from 2 major clients I work with regularly. The representative then went through my deposit history and I asked her to verify that this check is from a client who I deposited 2 weeks ago leading back to 3 months ago. She stated why the check was a higher amount and I re-explained the nature of my business. This is a business account so I am unsure why the predatory questions. She went on to say the check would need to be verified through both the issuer and the issuer 's bank, I agreed but stated this is the exact same routing and account number from a company I have deposited from in the past. The representative stated if they can not reach both the issuer and the issuer 's bank that the hold would remain. I was placed on a very long hold and after XXXX minutes the representative came back on the line and stated the issuer 's bank could not be verified. I once again repeated to her that I have deposited check 's from this issuer in the past, 2 weeks to exact, and have not had an issue. I have an image of a deposit made 2 weeks ago bearing the exact same routing and account number. She refused to look into it any further and stated the hold would remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CO

Complaint narrative:
This company operated in the guise of being a part of Tribal community and assumes immunity from State and Federal Laws. They are not registered as a lender in Colorado, my home state and thus any loans that they advertise or disburse are illegal. ( CO Statute 5-12-1-3 ). Their interest is exorbitant and are over the usury laws of the state and I am sure Feral as well. 
I sent them an email to cease and desist on XX/XX/2022 and in response they sent me a letter pretty much stating that they are above the law and that they don't fall within the state or federal financial oversight. They have violated my cease and desist and again contacted me via email and voicemail on XX/XX/2022. 
For {$500.00} loan they charge an 447.7555 % APR and with Finance charges of {$2500.00} their total payment balloons to {$3000.00}. If this is not predatory lending then I don't know what is. With no oversight companies like these are openly praying on the vulnerable and practicing unscrupulous lending practices in guise of a tribal entity. Put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington National Bank lost a deposit in the amount of {$2400.00} on XXXX and has been slow to respond. This is clearly their error and they can not credit my account appropriately despite their obvious error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

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 2022-09-28 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
I received a line of credit at XXXXXXXX XXXX XXXX XXXX through Fortiva Retail Credit in XX/XX/XXXX. I was told that as long as I paid off what I owed in a year 's time, there would be no interest. I paid off the loan on XX/XX/XXXX. At no point was I told about any additional steps I needed to take to close the account. 

In XXXX of XXXX, I received a text message indicating that I owed {$30.00}, which was confusing to me seeing as I had paid off the loan months earlier. I went to check my account online and confirmed that I had paid off the loan. Thus, I believed the text message to have been sent in error. 

Since XXXX of XXXX, I have continued to receive notifications that I owe additional money in {$30.00} increments. At that point, I called Fortiva 's customer service line and was told that I was being charged an annual fee as well as a $ XXXX  monthly fee for keeping the account open. When I signed up for this line of credit at XXXX XXXX XXXXXXXX XXXX, not only was this not explained to me, but I was not even told that the line of credit would come from an external company rather than from XXXXXXXX XXXX  itself. In the end, I was told that the only way to close the account was to pay the money I allegedly owed. 

Fortiva Retail Credit and its policies are predatory in nature. The company deceives its clients in an effort to extort them out of money, even when they have paid what they owe on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

Company response to consumer: Closed with explanation