vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: NV

Complaint narrative:
a. invalidated debt, debt has been invalidated b. contract has been cancelled XXXX the length the collection has been on the credit report has been exceeded XXXX and Experian have added a collections account from XXXX XXXX XXXX to my consumer reports. This account does not belong to me and is causing adverse action while also defaming my character. Once again the consumer reporting agencies did not do their due diligence in exercising their grave responsibility in verifying anything before placing it on my reports. They were partial and unfair. They assumed a role which no one gave them permission. 
see attachment

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I applied for a personal loan in XXXX of 2022 and was approved. I got an email saying funds were deposited but I never received anything. I reported it to them several times. They asked for my bank statements to prove I never received them and I sent them. Since then, this has been reported to my credit fraudulently because I never received any funds. I am also getting reminders for payments. I have tried reaching out several times and asked to a supervisor and conveniently, they are never available. I have also filed a complaint with the XXXX. I just want this to be taken care of and taken out of my name. They lied about funds being distributed and are fraudulently reporting information to the credit agencies on a loan I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had requested XXXX XXXX XXXX. I already have account. My email linked to my account is : XXXX and my documents were all verified few times. Please open and process XXXX XXXX XXXX. Please follow up with me at the email as registered. Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX resident verify, rent grow, police and fire XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
I recently was reviewing my credit report and noticed that fraudulent accounts reporting. I did not consent to, authorize nor benefit from nay of the following accounts and inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
The account was paid in full in XXXX XXXX The payment took over a week to process. 

Received an email on XXXX XXXX XXXX that they confirmed a verbal authorization ( which they did not receive from me ) to change my renewal payment, frequency and total. 

My total went from {$0.00} to {$1200.00} I disputed this through XXXX. The status of this collection went from being " charged off. {$640.00} written off. {$850.00} past due as of XX/XX/XXXX '' to " Repossession. {$640.00} written off. {$1200.00} past due as of XX/XX/XXXX ''. The couch was not repossessed as I'm sitting on it right now. It was in fact, paid in full. 

I am including all payments made, correspondence, and screenshots proving that ( 1 ) this debt is paid off and ( 2 ) that this company is reporting false information on my credit report which is a violation under FCRA for which there is a fine for {$1000.00}. 

I would like this account removed from all credit reporting agencies and bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Today on XX/XX/XXXX I called the Credit Agency Commonwealth Finance because last night I seen on my credit report it said I owed XXXX XXXX money for XXXX. When I called the representative said he did not have the number to the company that is trying to collect this money and was rude. There are a lot of XXXX XXXX in XXXX VA. He told me the charge was from XXXX but on my report it looks like I was seen XX/XX/XXXX. Ive never received a bill from this company and never had time to even pay on it if I owed. There are no bills that have been sent to me for this amount from that company. I should have the right to know what I owe and a right to know from who. I disputed this claim and in XXXX day it came back the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and Transunion does not show a late payment at all.

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 2023-01-25 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: NC

Complaint narrative:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. Equifax shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the XXXX bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, Experian reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021 - I made a purchase with XXXX XXXX using Paypal Credit a.k.a Synchrony Bank for the amount of {$510.00}. However, few days after receiving the item, I returned it back to the store because the delivery person delivered it outside in a bad condition. I did not want to keep it. I filed a dispute with Paypal Credit hoping it would get refunded faster. 
On XX/XX/2021 - I received a temporary refund from Paypal Credit in the amount of {$510.00}, not from the store. This happened while the dispute is on-going. 
On XX/XX/2021 - I lost the dispute. Paypal credit removed the temporary refund they issued and charged my account for the same amount, now XXXX left with the amount and the item was already sent back to the store. So I filed another dispute because I did not like how it ended up. 
Between XXXX and XXXX, I have communicated with the store and came terms with them. The store asked me to cancel the active dispute I filed so they could issue me a refund directly from them. I did cancel the dispute and they promise me refund in a XXXX business days minus the shipping fees ( non-refundable ). 
Please note I still have the balance at this time that Paypal Credit issued in my account on XX/XX/2021. 
And on XX/XX/2021 Paypal Credit charged me again in the amount of {$510.00}. I called the agent that now they charged me double of the same amount, and they told me it was an error on their part and that happened because I cancelled an ongoing dispute. 
XX/XX/2021 - I got the refund from the store itself in the amount of {$490.00} ( shipping fee non-refundable ) So in short, I got stuck with two charges of {$510.00}. Although one of the charge was cancelled out by the store 's refund. I'm still left with one chared of {$510.00} on my account. 
I have been going back and forth with Synchrony since summer last year and up until now, the issue has not been resolved. They keep closing my dispute and I.m done with their tricks.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Statute of limitations has expired. Collection is seven years old and should be removed from the report at this 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been denied a business bank account, without no further explanation on the basis of my age and source of income. I was not able to even provide documentation of proof that my business is legitimate.

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 2023-01-25 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: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Statute of limitations has expired. Collection is seven years old and should be removed from the report at this 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 non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Statute of limitations has expired. Collection is seven years old and should be removed from the report at this 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 2023-01-25 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I had a medical crisis XX/XX/XXXX where I was unable to work, unable to pay bills, I paid off indigo credit card through Genesis financial on XX/XX/XXXX for the amount of {$770.00} through my bank account, however it's still shows it as a charge off and an unpaid balance and when I call two different numbers, one listed through credit bureaus and one on back of the card, it tells me I've been turned over to a collection agency and disconnects. I have filed disputes with all three credit bureaus who have been unable to resolve this. The fact is I paid this up on XX/XX/XXXX through XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently disputed late payments with Transunion stating that the late payments are innacurate and I was never late, to show me documentation/ proof that I was late if not they need to change payment history as never late paid on time. Transunion got back to me with investigation results stating that both accounts I disputed are accurate, but I never disputed one of the accounts there talking about, and they never sent me documentation : proof that I was late on payments. If they can not show me proof / documentation that I was late on accounts they need to follow my orders and delete. They cant just say its accurate without showing documentation. In order for an account to be late on payment, I the consumer need to be sent a a letter 21 days before due date that I owe such and such amount, I never received that letter, also Ive never even have written authorization for this to be furnished which is libel defamation, I ask for documentation / proof for the written authorization and documentation proof I was late and Transunion didnt attached none of those documents together with investigations results. Also I disputed XXXX  XXXX and XXXX. Transunion showed me investigation results of XXXX. And XXXX XXXX I never disputed 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 non-monetary relief
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
I recently was reviewing my credit report and noticed that fraudulent accounts reporting. I did not consent to, authorize nor benefit from nay of the following accounts and inquires.

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 2023-01-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. 

CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXX XXXX  opened XXXXXXXX XXXX XXXX  opened XXXX twice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHECKING /SAVINGS XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX BANKING XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2023, Capital One closed my credit card without prior written advance notice. Alerted by credit report. 

Called XX/XX/2023, for clarification and requested the account is reopened for I have not missed a payment in 5 years plus the credit history is impacted by this account. 

Experienced a horrible customer journey to speak with a proper representative and when I reached an area, the agent was not willing to apply effective recourse. 

Related this business approach is a direct violation to Federal consumer laws. Disregarded by agent. 

These are grounds for legal matter and fiscal impact against Capital One. 

Asked for Capital One credit card Terms and Condition to justify closing my account, told Capital One can do whatever they choose to do. 

Listen to the recorded call/ tape via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
They took me title loan off auto-payment without my consent or acknowledgment. I didnt realize until the last payment of the two installments of {$370.00} for the month of XX/XX/XXXX. ( XX/XX/XXXX ) ( XXXX ) .I called to get it current or at least to get satisfied with having them clear the late fees because its was a problem on their end and not me. I was on autopay. I owe them {$370.00} for XX/XX/XXXX plus {$18.00} as a late fee AND it shows on my credit report. I only have a money for current payments not missed payments all my money is accounted for. Im paying about XXXX for a XXXX XXXX XXXX, I was in need of a car and Ganas auto center mess me up.

Company response to consumer: Closed with explanation