vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello my name is XXXX XXXX. Im making a complaint to citizens bank the reason why is because they hold my check saying its fraud, they reject and its still being hold. 
XXXX XX/XX/11 I think I received the check from a company that helps people with their rent. 
( XXXX rent relief ) Im currently was living in XXXX and was in out XXXX. So I got the check I mobile deposit it on the XXXX. Citizens accepted they check and cash it. I call chase it was cashed on the XXXX. They hold my check up until XXXX of XXXX. They said it was declined and reject getting sent back to the XXXX relief. So I call back they told me my check was still on hold so I need help. This bank is hold my money when Im behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: GA

Complaint narrative:
I am not liable for this debt with XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 
Account NoXXXX Amount Disputed : {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: NJ

Complaint narrative:
I hear about scammers draining accounts of innocent people, and to increase my security I went to TransUnion website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at TransUnion website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into TransUnion, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.

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 2022-02-24 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved capital one has violated my consumer rights.i applied for a quick silver credit card that I was invited to apply for and was denied due to my credit worthiness.on XXXX XXXX2022.pursuant to federal laws, adverse actions only applys to employment and /or insurance. Neither of these apply to my application for a credit card. I was denied credit based on my credit report which does not have any determination upon my credit worthiness.capital one has also discriminated against me based on my credit report/scores which again is not determination of my credit worthiness. Other violations of my consumer are outlined in my letter which includes 15 USC 1642, 15 USC 1681 M and 12 CFR 1002.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I have contacted this company several times since the entry of account on my credit report, I have never done business with this company, I asked for a signed HIPPA form with original signature of debt which it can not provide. Please remove debt from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I received a loan for {$1000.00} dollars on XX/XX/2021. However, the loan documents was not received until one month later. Once, I receive the document I saw that the interest rate too high but called and asking what will be my payout their told me additional {$930.00}. I told them that was too high and I will file complaint against unfair interest rate. However, I did not know this a payday loan I thought it was banking institution.

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 2022-02-24 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-24 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: WI

Complaint narrative:
ORIGINAL COMPLAINT : XXXX DID NOT FIX MORTGAGE XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MI

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ENHANCED RECOVERY COMPANY plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$380.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} U S DEPT OF EDXXXX XXXX Balance : {$3800.00} Bankruptcy chapter XXXX Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX 2020

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 2022-02-24 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have a Mortgage with Shellpoint Mortgage Servicing, owned by XXXX XXXX XXXX and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if XXXX fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop XXXX Points making it Extremely Difficult for me to Refinance My Mtg and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XX/XX/21. 
I would sincerely appreciate if someone could take a look at this Co Unethical Business Practices towards their Customers, the Consumer. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and XXXX XXXX XXXX. 
This action taken by the Mtg Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX-Balance {$590.00} XXXX-Balance {$0.00}

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 2022-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX tried to dispute negative information being reported to credit bureau XXXX, XXXX and XXXX regarding an account that was opened with XXXX XXXX Bank, Capital One Bank and XXXX XXXX XXXX 's Credit Card that does not belong to me. I want this account removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : I have reached out to Chase regarding a late payment fee that was put on my account. I was unable to pay my account in a timely manner for XXXX 2021-XXXX 2021, which made me receive the late mark for XXXX. I fell ill due to XXXX, which lead me to not be able to work. I reached out to Chase and a representative ensured me that I wouldnt receive any late marks if I paid my XXXX 2021 bill, so I paid it and it didnt make a difference on the reporting because it was still marked late. I have been a card holder with Chase for many years and have always paid my account on time. Im hoping this will help my case when it comes to this late remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was contact by someone named " XXXX XXXX '' via a dating app, saying that she would give me money via checks to be a relationship. She had sent over four checks and provided a bank account number to pay off a Wells Fargo Credit card balance. She had sent the checks via email on XX/XX/22 to my XXXX  email address. There were four checks sent to my email the amounts following, {$1000.00}, {$1000.00}, {$1500.00}, {$2500.00}. I unfortunately fell victim to the scam and tried to deposit said checks and attempted the credit card payment with the information provided on XX/XX/22. The checks ended being reversed as well as the credit card payment. She had requested that I send her two payments of {$400.00} and {$500.00} via Wells Fargo 's XXXX Money Transfer service. These two XXXX payments were successfully sent over to a XXXX XXXX on XX/XX/22, ( who I believe is based in XXXX, CA, for the email containing the checks showed XXXX, CA in the email ). I sent over both payments, this " XXXX XXXX '' claimed the payments were for her Jewelry business. Then she requested that I send another {$1000.00} via XXXX, which was declined and did not go through. She then asked me to send a XXXX to XXXX XXXX, which XXXX prompted me to verify the last 4 digits of the person 's phone number, the first 4 digits provided did not work, but the second set of digits provided did work, and XXXX sent the {$1000.00} to this XXXX XXXX on XX/XX/22. Currently as of XX/XX/22, my checking balance sits at - {$1300.00}. I have since ceased all contact with this " XXXX XXXX '', but she still tries to reach out to via email ( XXXX ) in attempt to give me more money via check to resolve my situation. 

Following all of this, I realized I was scammed, and contacted the Wells Fargo Fraud Claims department to file claims on all three transactions, in a attempt to get my money back on these charges. After the claims were filed on XX/XX/22, I spoke with Wells Fargo 's Fraud Claim department again on XX/XX/22, to follow up on my claims. The one transaction on a {$400.00} XXXX payment was reversed, but the other {$500.00} XXXX payment and {$1000.00} XXXX charge were not reversed. I contacted XXXX on XX/XX/22 to file a claim on the {$1000.00} XXXX payment, but I was told since I do not have payment protection, there would be very little chance to get my money refunded.

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