vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated!

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX Account # XXXX, Original Account Number : XXXX XXXX. LVNV Funding LLC, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: CA

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 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.S.C 1681 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 conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 2 open complaints with Bank of America. They are refusing to do anything. I had serious fraud which was reported on XX/XX/2022 when they were just authorizations. Fraud reports were taken. Somehow, the very malicious fraud dept maliciously engaged in XXXX XXXX XXXX XXXX insist that a close to XXXX XXXX XXXX woman who is in a XXXX XXXX XXXX XXXX XXXX go into one of their very crowded and grossly understaffed banking centers. Initially XXXX XXXX called but then totally refused to return any of my several phone calls to him. I managed to get a call center with compassion and the fraud balances were reversed. Then, last night, I saw a {$2000.00} balance - fraud dispute on one of my credit cards ( it was XXXX XXXX and I had called to close it. That kind compassionate person was able to release the numerous holds. When I called today, I ended up with a very mean and malicious person named XXXX at the XXXX XXXX XXXX who again insisted I risk my life or health by going into a branch. I told her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be very vicious and vindictive, she removed my online banking access. This is beyond despicable. I have one Bank of America Credit card that I used and the balance today is {$140.00}. I have no clue how I can pay this card without online banking. No one will speak to me with the block she maliciously just placed. And ... she said I could make an appointment at the branch but since the understaffed branches do not answer their phones, I couldn't even make an appointment. At the very least, have them kindly give me access to online banking.

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 2023-02-05 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I was reviewing my credit card statement after I had paid off two of my promotional offers before the expired time that would prevent me from having to pay interest on the balances. Upon reviewing the credit card statement which should of had a XXXX balance I noticed I have been getting charged interest. I had contacted the customer service agent and inquired as to what I am paying interest for and was told that I had a charge back in XXXX that expired the promotional time. I had notes on one of my statements from XXXX of XXXX as to where I had talked to an customer service agent and was told about this charge. I was told if I paid the balance off of the older charge there would be not further interest charged it was {$330.00}. So I had paid that amount off at that time. Due to this matter once again at the present time I started reviewing my statements and have noticed that on the statement there is no information of the balance I am paying interest on and just the interest amount was shown on the statement. I also noticed that the payments I have been making all this time was going to the last purchase made instead of the oldest transaction. I have been told many times by customer service representatives that my payments that I make on the account always goes to the oldest balance first. When I chatted with a customer service representative they said my balance still owing is {$580.00} back in XXXX and that I am paying interest on that amount. I told them the amounts were not adding up due to it was 2 years ago and should have been paid off by now due to it being the latest charge. The person that I chatted with I could tell they got frustrated and let the chat time out. Looking further into my statements trying to find this purchase is when I noticed it wasn't even on the statement just the interest charge. Then looking further into my payments being made and what they are being applied to on my balances I owe that all of my payments I am making are not being applied to my balances nor the interest. So I want to know where the portion of my payment is going if not on the balance or the interest owed. I have contacted customer service numerous times and due to the frustration of the agents my calls were disconnected. So I feel that they can see all the information of the transactions and my statement is lacking information. This problem is so frustrating that I hope the company will address this matter to see if they are having issues with their programs. Or edit their statements so the customers can actually see what their payments are being applied to.

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 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I recieved mail addressed to my maiden name, XXXX XXXX, claiming to be from Phoenix Financial Services, a debt collector. It said I had an account with XXXX XXXX XXXX XXXX and I owed XXXX. It said XXXX XXXX XXXX XXXX is my current creditor and my original creditor is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-02-05 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: Possible Financial Inc
State: TX

Complaint narrative:
I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX Possible Financial XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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 have sent a letter on XX/XX/2022 to XXXX XXXX XXXX, XXXX and Equifax Information Services LLC asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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:
Incorrect balance reported on my XXXX XXXX credit card. Its being reported from old info Im over my credit limit. See attached STATEMENT

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 2023-02-05 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: MO

Complaint narrative:
Incorrect balance reported on my XXXX XXXX credit card. Its being reported from old info Im over my credit limit. See attached STATEMENT

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 2023-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Hi There, My name is XXXX XXXX XXXX. On XX/XX/XXXX I chose to have my adult son XXXX XXXX XXXX join me in the ownership of XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. My Son was put on the mortgage for the soul purpose of his SSN # on the XXXX to replace mine because I am XXXX and over XXXX & don't have a tax return so my Son XXXX XXXX XXXX. We had informed loan depot before we followed through with the loan that XXXX was to declare the interest with his XXXX #. I didn't find out about them not honoring what my Son and I agreed to with this company until I received the XXXX and when i contacted XXXX XXXX on XX/XX/XXXX @ XXXX, he informed me " Because my name was first on the loan and deed they automatically put the XXXX in my SSN #. I informed him the reason for the loan was for XXXX XXXX XXXX XXXX # for interest purposes and your staff told my XXXX & I they could do that so we never thought twice till I printed out the XXXX & was shocked to my SSN # instead of my sons. This is Loan Depot issue to mix and i will not do any assumption for something they messed up on. It shouldn't matter who's name is first. 
If you'll need any other documentation just reach out Sicerely XXXX XXXX ( mom ) XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: PA

Complaint narrative:
XXXX is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


Equifax is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost XXXX of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than XXXX letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was XXXX in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a text message from the Bank of America on the afternoon for XX/XX/2022 regarding suspicious activity by transferring money ( {$3500.00} ) to a XXXX XXXX in which I did not nor do I know someone by that name. I did not respond and immediately called the bank. The man that appeared to be an employee was actually the scammer. He said that the money was " transferred '' by XXXX and that he could reverse the amount taken. He told me to change my password for logging into my account and not to call the police, The next morning the {$3500.00} was missing from our account. I called the bank immediately and I was told that the company ( Bank of America ) had an ongoing internal breach and that this had been going on for some time. I instantly filed a claim and spoke to 11 people over the phone and one in person. Sadly, every person had a different explanation for what happened to us, including leaving out specific details and if and when our money would be refunded. We have received a letter from the Bank of America stating that they were NOT going to refund our money. We have filed a police report and are ready to do whatever we can to get our money back. 
How it started

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 2023-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had a card with Capital One for a while and they are misreporting delinquincy on my Capital One Card and Walmart Card. I have tried to dispute it and they will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TX

Complaint narrative:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-05 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: AES/PHEAA
State: VA

Complaint narrative:
The following loan below were taken over By XXXX yet both XXXX and Fed Loan Servicing are reporting them on my XXXX Credit Report. How is FedLoan Servicing still reporting these loans to XXXX when they are no longer the servicer of the loans? XXXX is currently reporting these loans to XXXX as well therefore I am showing double the obligation on my XXXX Credit Profile. 

FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$900.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$13000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$23000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$17000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$740.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$13000.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is literally reporting me delinquent to the credit reporting agencies on a cancelled credit card with no balance I last used Wells Fargo Credit Card in XXXX, Credit Card, XXXX. In XX/XX/XXXX, two fraudulent charges totaling less than {$5.00} appeared on the card from an unknown internet vendor. I did not pay the charges and challenged them and won, but Wells Fargo reported me as a late payor. My credit score has always been above 800 until then. 

I then challenged delinquency comment on my credit reports through the credit reporting agencies and won both times, but Wells Fargo continues to report me as delinquent payor, having done so again in XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX and XXXX. I even cancelled the card in XX/XX/XXXX as my credit reports show, with a zero balance, so Wells Fargo is literally reporting me delinquent on a cancelled card with no balance. It's crazy. 

I called Wells Fargo, who cancelled the card, yet they continue to report me. I called again on XX/XX/XXXX and spoke with XXXX, who confirmed that my card was closed with a zero balance, but who transferred me to " XXXX '' in Credit Card Department. XXXX then transferred me to " XXXX '' in the Credit Score Department. XXXX then transferred me to XXXX in the Credit Card Consumer Department, who said I must prepare a letter to Credit Report Disputes Resolution outlining the problem and attaching my credit reports. 

I'm done with this. THIS is my letter to them at this point. I've tried.

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