vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
This is in response to the original complaint that I filed on XX/XX/XXXX, complaint # XXXX. I want to Thank You for the detailed response that you provided, but this was not what I was told in XXXX about getting out of Forbearance. In your response you stated that we can apply for an exception to by filing out the complete financial package ( which was sent to us with a XXXX return label ) The package was XXXX back on XX/XX/XXXX. When I called the following week I was old that the package was denied. The resubmission and denial response were posted before I even submitted the package!!! When I questioned this I was told my package will not make any difference and their decision was already made. 
I am working hard to resolve this matter but I am not solutions from them ( Specialized Loan Servicing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} 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 AXXXX 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

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX of 2022 regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$250.00}. The letter stated if I wanted to dispute the claim, I needed to submit a request to them before XX/XX/2022. I sent an email to XXXX on XX/XX/XXXX disputing the claim. I received acknowledgement of my email on XX/XX/XXXX. I received no further communication from Credence or XXXX XXXX XXXX. 
On XX/XX/XXXX I received an updated credit report from my bank stating my credit scorXXXX had dropped XXXX points due to an outstanding unpaid debt. Upon checking the action was filed by XXXX on behalf of XXXX XXXX XXXX. I contacted XXXX who acknowledged receiving my email disputing the claim in XXXX and they stated to me " they failed to follow up with me ''. I explained my negative credit report and they told me they would correct it by somehow saying " the debt was in dispute ''. I asked they reverse their action on my credit and was told they again would mark my account " in dispute ''. 
I want my credit report adjusted and my credit score returned to it's previous score. 
Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Garcadia Financial LLC
State: GA

Complaint narrative:
I have still yet to see Foursight Capital fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agency regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}

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 2022-03-08 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: OH

Complaint narrative:
XX/XX/2022 I mailed Equifax a letter with a copy of my state ID asking them to send me documentation on 4 inaccurate accounts being reported on my report. When I disputed them, they were verified by Equifax as valid. It is now XX/XX/2022 and I have not received ANY correspondence. These accounts are inaccurate and are defaming my character and I would like them removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EQUIFAX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX has caused severe stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 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: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XXXX XXXX bankruptcy )

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Called XXXX  and asked for a deferment and job loss assistance promised to work until my settlement came in. Called on XXXX told me they didnt break the laws they have called me 6 times a day since missed payment and being asked to desist. They sent my stuff to collections and told me they werent subjected to the the credit laws or this organization. Never called back and hit my credit with undue interest and late fees against the U.S.C laws for debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed 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. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
At the beginning of XXXX I received an offer from Capital One for a credit card with 0 % APR on purchases and transfers until XX/XX/XXXX. I applied and was approved and on XX/XX/XXXX I received, by USPS, the document " Capital One Account Terms. '' On page 2 of the document, it confirmed that the offer is " Annual Percentage Rate ( APR ) for purchases and transfers - 0.0 % Introductory APR through your XX/XX/XXXX billing period. ( see attached ) I received my capital one credit card via USPS at the end of XXXX. On XX/XX/XXXX I called to activate my card and do a balance transfer. I was advised by the Fraud specialist that this offer was not on my account. He contacted several different departments who also stated they did not see the offer on my account. I was transferred to the account supervisor. She advised me to login to the website and attempt a transfer. I received the following message : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. 
When I accepted the terms and conditions of the card, I agreed to the card with the 0 % balance transfer APR. I feel misled and lied to by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( CXXXX XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MO

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX, I originated a wire from my bank to Citizens Bank to payoff my mortgage. The wire was received by Citizens, but after XXXX. Since it was received after XXXX, Citizens Bank did not apply it to my account until the next business day which was Monday, XX/XX/XXXX. My account continued to accrue interest and I was then charged an additional {$250.00} to complete the payoff. 

Citizens Bank had my funds but did not apply them to my account. I don't think it is fair that I was charged three days of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
XXXX XXXX XXXX XXXX Date of inquiry 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I disputed the XXXX XXXX XXXX that I no longer are a signature card holder..its still on my credit report..I contacted XXXX and they had already sent the info to the credit Bureau and as of today it's still on my credit

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 2022-03-08 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: GA

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 2022-03-08 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:
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 explanation