vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. 
I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
Crown Asset Management purchased as debt from one of my creditors. I was in a program with XXXX XXXX XXXX, and the debt collector would not work with XXXX XXXX XXXX to negotiate the debt. I was then sued by Crown Asset Management and after consulting with an attorney, I agreed to a Judgment Entry with the creditor. The agreement terms were that I would pay one payment of {$130.00} on month 1, and {$130.00} dollars per month thereafter. The creditor did not initially provide me with their correct account/case number, which was required to make my payment on the website that they provided. Furthermore, nothing on the website affiliated it with the debt collector. The website address provided was XXXX. There is nothing on the site that establishes it as being connected to Crown Asset Management, which I thought was suspect. Still, after getting the correct case number, I did make the first several payments to the creditor. I noticed that after making the payments however, that they did not send me any payment confirmations via email, nor did they provide any confirmation number or notification that a payment was made. They provided absolutely no information concerning my debt or the payments that I was making. I may as well have been sending money into a black hole. I did not trust this site, and I ceased making payments. The debt collector has now moved to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
AmRent reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( AmRent ), who claims to use XXXX XXXX as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because XXXX XXXX has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the XXXX XXXX credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: GA

Complaint narrative:
I was at the XXXX XXXX XXXX dealership in Georgia when I was purchasing a new vehicle. However after I had an agreement with these sales team that I was going to purchase a vehicle, they ran my credit more than once and then sold the vehicle to someone else which was the only one in stock, after reserving this particular vehicle for me. I checked Experian and it did in fact affect my Credit Score and will not fall off for another year. I tried to resolve this with the dealership and they said sorry there is nothing we can do. 

Address to the establishment is XXXX XXXX XXXX XXXX XXXX, 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 2023-06-13 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: FL

Complaint narrative:
This is a XXXX XXXX scam run by CapitalOne. 
They offer a 0 % for 12 month card. I have a credit score of XXXX and no late debts, with only 1 % of my credit in use. 
I applied for the card and was instantly denied. What followed was a lengthy ad for all of their other credit cards, with a promise to send me other options to select. 
The card I select had many benefits I can use - I did not apply for another card but they are trying to force them on me. They will send a letter explaining the denial in 7-10 days. 
It's a XXXX  scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To whom it may concern, Please remove late charges You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-13 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX purchase was made from my business credit card with Bank of America at XXXX XXXX XXXX in XXXX XXXX. in the amount of {$460.00} Called BOA Rep to report it. They said there was no phone # associated with that entity. 
They said that the card was " swiped '' at a terminal and a PIN was used. 
This card has never left my possession and I have never been to this location. 
I also have never used a PIN # BOA Rep said they would start a thorough investigation and that it could take up to 90 days. Not too long after that I received a letter from them saying they had thoroughly investigated the fraudulent charge and that they could not help me as a scan was made at the purchase. Which duh! we had already determined. 
However, I repeat : the card never leaves my person or place of residence, which is XXXX XXXX in XXXX XXXX. 
Note : this had happened once before at a terminal in XXXX. Same story, it wasn't me. And BOA did dismiss the charge. Of course I always immediately cancel card and request a new one. 
Our business has been a customer of this credit card company since XXXX. There are 5 of us issued cards with them. Monthly statement balances are always paid in full and on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NC

Complaint narrative:
This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCEXXXX  XX/XX/XXXX. All these inquiries were not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt was Originally attempted to be charged by XXXX. I paid all required monies when i cancelled the account. they attempted to run my fees past the date of cancellation. I tried dealing with them originally, about XXXX years ago. They subsequently sold the debt to other debt collectors. I then submitted my information ie.., proof to the reporting agencies that showed the first debt collector claiming a bad debt to my credit. They subsequently removed denied their claim. This occurred XXXX more times recently with each new event another debt company they shuffled it through. The most recent : Credence Resource Management , LLC. the amount claimed is XXXX is there any way to stop this shell game they keep playing? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo wire transfer claim # XXXX On XX/XX/2023 I was a victim of fraud. After receiving a fraud text alert from Wells Fargo I checked my account and there was indeed debit card fraud on my account. After replying " no '' I didn't authorize the transaction I was immediately called from an XXXX number belonging to Wells Fargo. The person on the phone said he was with Wells Fargo Fraud Department and there were multiple transactions on my account that he wanted me to verify. I was sent a 6 digit verification code to my phone to verify my identity. I was told that my account was being locked due to the amount of fraud happening and to please log into my account via a secure text portal from Wells Fargo which I did. Unknowingly I had just given these criminals my user name and password. They then logged into my account and proceeded to initiate a wire transfer of {$7500.00} to XXXX XXXX. When I realized that I wasn't talking to Wells Fargo and instead the scammers I immediately hung up and directly called WF Fraud dept. and told them what had happened. They issued a swift recall on the wire but were unable to get the money back bc it had already been taken out of the account it was wired into. I later received a letter from Wells Fargo disputing that this transaction was fraud and that I had willingly given them the wire transfer verification code needed to complete the transaction. I never received any texts from Wells Fargo concerning a wire transfer. I have no idea how they were able to complete the transaction or if one of the codes sent to my phone was indeed a wire transfer code which the criminals knew I would be getting bc they were in my account attempting to wire money. I was asked to read back a code for verification of my identity but never would I willingly authorize a wire transfer. 
I have talked to the de-escalation department of Wells Fargo and also filed a complaint against the company but they have continued to deny this as fraudulent. 
This case is 100 % fraud and any information given to these criminals was obtained through fraudulent methods.

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 monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Bankruptcy is reported incorrectly it was a chapter XXXX not XXXX and should be removed from my credit file based on the discharge time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
The company has been reporting to the New Jersey Division of Taxation that I owe money for something that is incorrect. My taxes are held every year and then released after it is established that I do not owe anyone. They now have my anchor benefit check on hold for the same reason. I want this information removed from the State of New Jersey 's Taxation Division permanently so that I can receive my check and all future checks without having to wait for a response from them. my next step will be to file a lawsuit against them for falsely sending information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Bankruptcy is reported incorrectly it was a XXXX XXXX XXXX XXXX and should be removed from my credit file based on the discharge time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from 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 non-monetary relief
Consumer complaint received 2023-06-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google wallet closed my account & will mot release my remaining balance back to me per their guidelines & terms! They did not disclose of why they closed my account & told me that they will not be giving me my remaining balance of XXXX! I am now further contacting you to file a complaint for further action to be discussed upon the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
6 payments of {XXXX to scammer/fake landlord via CashApp from XX/XX/XXXX to XXXX XXXX XXXX is the persons name and their cashapp handle is $ XXXX. It was supposed to be for a deposit in a property and turned out to be fake. Neither CashApp nor XXXX XXXXXXXX XXXX was any help whatsoever, despite numerous impassioned requests for investigation. Additionally, no one seemed to be interested in pursuing the scammer whos email is XXXX and phone number is XXXX

Company response to consumer: Closed with explanation