vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX was reporting to all credit agencies that I was over the credit limit. They updated only XXXX. Equifax and XXXX has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Recovery Services, Inc.
State: IN

Complaint narrative:
None of the choices really applied so the closest to the problem were selected. 

Claims from different Collection Agencies regarding their ownership of the same debt. 
Correspondence back with them did not resolve the situation. The dates of correspondence overlap. 

Since I do not know who to respond to, I am filing this complaint. 

My understanding is that only one can have an active, collection authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. I PAID ALOT OF MONEY TO REMOVE IT TO CREDIT REPAIRS AND I EVEN CALLED THE CREDITOR AND EXPLAINED AND REPORTED IT AND IT IS STILL AFFECTING MY CREDIT TREMENDOUSLY. 

Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$460.00} written off. {$460.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$460.00} Terms NA THE FOLLOWING ADDRESSES ARE ALSO ON MY CREDIT REPORT AND I HAVE NEVER BEEN OR LIVED IN GEORGIA AND AS SUCH I BELEIEVE THE POERASON RESPONSIBLE HAS OR WOULD HAVE BEEN LIVING HERE. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type Apartment complex THIS WAS THE INFORMATION FROM MY XXXX CREDIT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. XXXX- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXX XXXX- {$4200.00}

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct address is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. Ashro- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consistently, Experian refuses to add timely positive account information to my credit report. Conversely, they add negative information to my credit report speedily and rigidly.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX SERVICES XXXX XXXX XXXX - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX CARD ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX SXXXX XXXX XXXX XXXX - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, I sent out a bill payment to XXXX XXXX XXXX but they company moved and I was not aware of the the moving so the paper check was mailed and stolen. I filed a claim at my bank which is chase and they helped me return my money but later took back the funds. I asked why they took back the money and they helped me file another claim. They told me it would take up to 120 days so I waited patiently. It is now XXXX which is beyond the 120 days and they tell me it is at the mercy of XXXX XXXX XXXX. XXXX XXXX XXXX  is not responding to Chase 's messages to retrieve the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Account info Account name XXXX  XXXX Also known as XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$280.00} Terms NA On record until XX/XX/XXXX THIS ACCOUNT IS REPORTED AS A CHARGE OFF BUT I NEVER RECIEVED A 1099-C CANCELLATON OF DEBT FORM. THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
18 months ago, I applied for a Covid 19 payment deferral and was granted the forbearance. I received a letter from my lender that my XXXX forbearance was ending on XX/XX/XXXX. I was given two options to resume payment or file a loss mitigation. 
It is my understanding that under the XXXX XXXX XXXX XXXX XXXX COVID-19 Payment Deferral and XXXX XXXX XXXX XXXX for COVID-19 that all Impacted borrowers have up to 60 months to defer payments. Although my lender is not required to obtain documentation of my hardship, they must achieve XXXX XXXX XXXX XXXX ( XXXX ) to determine the reason for the delinquency and whether it is temporary or permanent in nature. I have and am still experiencing a financial hardship resulting from COVID-19. 
In addition to financial hardship, I am experiencing emotional stress and struggling to maintain financial stability due to loss of both of my parents. My Mother XX/XX/XXXX. My XXXX XX/XX/XXXX. Their passing bought on an additional added financial burden.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Date : XX/XX/2023 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 has violated my rights. I sent a dispute letter the company claim the accounts was verified but it is inaccurate. 

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Western Union headquarters in XXXX Colorado, refused to refund my money orders after they were stolen from The mail box in XXXX in XXXX XXXX City. Western Union stated that they would pay me for the lost stolen money orders, then then recently ( XXXX ) they said they won't pay me because I submitted the information for the stolen checks to last and the the bank they are affiliated with refused to pay them for the stolen check. Western Union verified that the checks were told sent me all the stolen checks information and stated they would pay. Currently the XXXX Police Department is investigating this case and also contacted Western Union and wondering why Western Union after 2 years refused to pay me my money back. The XXXX Police Department in the XXXX, stated they are going to arrest who ever stole my money orders and will keep in contact with me. Western Union told me to contact the bank where the checks were cashed and ask them to reconsider paying me ( I should not have to do that ). I am XXXX years old and I need the {$2000.00} plus money order money stolen and refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: WA

Complaint narrative:
I rented a car from XXXX XXXX XXXX from XXXX at a prepaid rate of {$49.00} per day for a total of {$190.00}. With taxes, fees, etc. They estimated I would owe an additional {$76.00} at pick up. 
When I picked up the car, they did not have the vehicle I originally reserved and gave me a larger vehicle, refusing to honor my prepaid rates and calling it a discount. I finally agreed to use the alternate vehicle for the agreed upon daily rate, but pay the difference in taxes and fees, what they told me would be {$140.00}. 
Upon drop off they charged me for a full week rental of {$490.00} plus a daily vehicle upgrade fee of {$10.00}, totaling {$540.00}. The final receipt came through digitally after I was dropped the car off with the original printed receipt in the agreed amount, as is their policy. 
They did not respond to the complaint I filed with their customer service department. 
I then filed a dispute with my Credit Card company, XXXX, for the difference in the charges, supplying my original confirmation email, the final charges, and the information supplied above. They did a complete investigation and resolved the dispute in my favor, returning the fraudulently charged {$240.00} to my account. 
XXXX has begun sending me collections notices via Viking Client Services for what they claim is outstanding debt. I contacted Viking and asked them to route all further inquiries on the debt to XXXX directly as they resolved it on my behalf. They said XXXX will continue to dispute the debt until it is paid, they can not guarantee that I will stop receiving notices from themselves or XXXX. I would like to make sure all future communication on this is between XXXX and XXXX and that this does not impact my credit. Any resources or assistance you can provide would be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 Equifax responded to my CFPB Complaint concerning investigation of an inaccurate and unverifiable account from XXXX XXXX XXXX Equifax stated that XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. I asked Equifax to provide ( which they didn't ) the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Special Financing Company, LLC
State: TX

Complaint narrative:
I reviewed my credit report and learned there was an unauthorized inquiry made by Special Financing Company LLC. I sent several letters to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that, to my knowledge, I had not signed any documents authorizing their organization to view my credit history, and therefore the inquiry violated the Fair Credit Reporting Act Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report, and I requested that the document and proof that I requested this line of credit be sent to my address. In responding to my inquiry, the company merely stated that my credit was requested by XXXX XXXX XXXX rather than Special Financing Company LLC. Special Financing Company can not remove any credit inquiries because the application does not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report anywhere, and Special Financing Company LLC is listed. Indeed, XXXX XXXX XXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my Credit Reports. 

Additionally, after reviewing the XXXX XXXX XXXX - The company has many complaints. One response from the company stated, " Special Financing Company does not report to the credit reporting agencies. '' So if this is the case, then why are you reporting an unauthorized credit inquiry on my report without giving me any proof that I requested this?

If Special Financing Company LLC. fails to resolve this matter, I will consult an attorney to file a suit against them for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received a bill from Comenity stating that I owed them {$490.00}. 
XXXX XXXX switched from XXXX XXXX  XXXX, my bank, to Comenity for there credit card. I paid electronically to XXXX the {$490.00} on XX/XX/XXXX confirmation number XXXX. 

I have been in communication with Comenity through various phone conservations, emails, and a letter, which was signed for, as received. This still is not resolved as of today XXXX, XXXX. I keep getting monthly bills from them with late fees and interest todays bill states I owe them {$580.00}, I owe them nothing. 

There is absolutely no reason why this still is not resolved after all of this time. This company has done nothing to resolve this issue. 

Worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXXXXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is Destiny Mastercard. Im requesting for Destiny Mastercard to be removed as well for reporting illegally according to the IRS.

Company response to consumer: Closed with explanation