vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I recently opened a Barclays ( Old Navy ) store card. My first statement balamce was XXXX of which I paid XXXX ( more than required ). The remainig balance was XXXX, including a XXXX finance charge on my new statement. I paid the remaining balance ( XXXX ) way before due date and I had a XXXX balance. On XX/XX/2023 I made a small purchase which reflected on my most recent statement with payment due date XX/XX/2023. I noticed on this statement a XXXX ... '' minimum charge '' not interest charge, but minimum charge on the statement. I reached out to Barclays for expalanations and I was told that the XXXX stemed from the original balance of XXXX which I have already paid off in 2 installment and with XXXX interest or finance charge. 

My question is this, is that legal or can they even do this at all, regardless of the term of use. Or, better, is that fair to consumers like myself to pay these types of charges on a credit card with XXXX ( XXXX balance? I am questioning this little amount of money now before I am charged much more later and unexpectedly. 
I look forward to your assistance in resolving this issues

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 2023-06-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solution XXXX XXXX XXXX  XXXX, PA XXXX Dear TransUnion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name:XXXX  XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation

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 2023-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
they will mot remove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

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 2023-06-20 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: GA

Complaint narrative:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: IL

Complaint narrative:
I attempted on several occasions to Experian to remove inaccurate accounts. XXXX Acct # XXXX Acct # XXXX. Experian claims they verified it but would not give me the information on who they talk to and any proof they required.

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 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit obtained a debt from another credit company! Midland credit management also has obtained my social security and other personal information of me and is posting it online the debt from midland is account number XXXX! My debt was sold and personal information with out my written permission or knowledge In accordance with the fair credit report act, conversion act has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c section 604A section 2 it also state consumer reporting agency can not furnish a account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX rocket mortgage verification of equity for new low loan for usesag home purchase or extended. XXXX I called for low monthly payment under mortgage payment actively. Refused to start application,XXXX man said no equity dollar amount. I tried to inquire assistant from VA benefits certificate of eligibility he said XXXX for property value then for late mortgage he said hard no. I didn't understand what he was talking about my question was not answered and I apologized then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to ask you to remove the current fraud alert customer statement on my XXXX and Transunion report. All issues were resolved a month ago and now Im trying to refinance my car and this alert is causing approval issues. Please remove this alert asap please. 
Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Contacted via phone and email along with written correspondence sent via certified mail. Including identity theft paperwork sent by them .. I also dont included police records # and Identity theft report #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby request the deletion of a charge off on my credit report by XXXX XXXXXXXX due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
In the beginning of the month, XX/XX/XXXX my chime account was charged 7 times variants of {$230.00} from XXXX, I changed my password, PIN number and got a new chime card. On the XXXX my card got charged the same amount from chime and I started a dispute on the same day. My dispute number is XXXX from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I made several attempts to verify the amount owed to GENESIS CREDIT MANAGEMENT. According to my records I owed XXXX $ as the back rent was paid by the state of Colorado, and the Apartment complex signed an agreement to write off any and all late fees and legal fees. 
Requesting On XX/XX/2023 I sent a Debt Validation letter, and they responded with a move-out letter with a ) balance unsigned by me, and an expired lease. They did not answer any of the questions below : Was this Debt assigned to a Debt Collector or Purchased? 

- Assigned - Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants ___________________ ( Collection Agency Name ) the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

Have any judgments been obtained by any creditor regarding this account?

Please provide the name and address of the bonding agent for ___________________ ( Name of Debt Collector ), in case legal action becomes necessary : I also sent a cease and desist and removal from my credit report as as they have no legal right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: CT

Complaint narrative:
I requested due to Covid-19 and being the only income for my home I couldnt get these late overdue payments removed from my credit. I tried to defer but as the only income MOHELA  wont remove these. Id like them removed so I can improve my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX was added to my credit as a debt I owe when I dont owe anything to them that account doesnt show up on any of my credit report beside transunion I dont understand why its hasnt been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
I did not ask for an inquiry for any of these 4 incidents attached below. I have tried to contact each company individually to have them removed to no avail.

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 2023-06-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I need you to investigate the following Account : XXXX XXXX XXXX 

I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I had cancelled my cable service provider in XX/XX/2022. As far I knew, I was caught up bill-wise with them. I then received subsequent charges for after the service was cancelled, as well as being charged for contract termination ( there was no contract ). A couple of months later, I started receiving calls from the collection agency, and received a letter in early XXXX saying they are demanding a total amount ofXXXX ( image attached ). This was simply NOT right! On the bottom was a response form, which per the top, indicated I could respond that I am disputing the amount. I chose that option, and sent the completed form to them on XX/XX/2022. 
Even though I sent in the notice of dispute, a few weeks later I saw on my credit report that the collection agency had posted that debt on my credit, thereby lowering my overall credit score. I was upset, as I had obliged by their requests, and yet they STILL hit my credit. Not having heard anything from the company, I then sent a letter dated XX/XX/XXXX of this year ( also attached ), letting them know that I was upset they had hurt my credit without even contacting me to resolve this. As of yet, I STILL have heard nothing from this company ( it's now XX/XX/XXXX ). 
I'm not sure what this company 's " deal '' is, but I know they have harmed my credit by posting an erroneous collection on my credit report ( which I thought would at least be delayed after sending them my original response, since it was incorrect ). Between that and their complete lack of response, I can only question the legitimacy of this so-called business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
All Requested documentations to verify alleged debt were not delivered and they refuse to comply by not delivering all requested documentations it has been sixty days under the law they must delete thirty after not complying with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: SC

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-20 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: VA

Complaint narrative:
Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over 7 years old. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from 2014 and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction-Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. 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,

Company response to consumer: Closed with explanation