vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank decided to close my bank account I had funds remaining in the account When I went to the bank to figure out what was going on all I was told is that truist decided to end a banking relationship with me I would like to restore this banking relationship as soon as possible As a police officer I need to bank with the closest bank thats to my house which is Truist So I would like to restore this banking relationship as soon as possible

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 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
1. XX/XX/XXXX (? ) XXXX, finished moving out with board member XXXX XXXX 's help. She took photos for me and cleaned the windows, noting the worn out but not broken by me equipment. I shampooed the carpets last. Perfectly clean, no damage. Put unwanted mattress out front exactly like move out instructions. There was no damage, and I was paid up. 
2. No bill sent to me ever. CA law demands in 1950.5g1 that the bill be sent in 21 days, let alone bill before going to collections. My first knowledge, and later confirmed their first contact, was to send it to collections without billing me. Per CA law, they had to bill me immediately so I could challenge the bill. They did not, so there is no bill per California law. Even without that law, this can't have gone straight to collections.

3. Many months later, learning that my credit was destroyed, I contacted XXXX XXXX, my renter 's insurance I maintained the entire time. Adjuster is XXXX XXXX - XXXX XXXX. She contacted XXXX XXXX and RDAC and for a bill, and they gave a loose summary, of half the original amount. She asked for a bill she can actually pay. She then asked me if XXXX should pay it, and as it would have been paid after being in collections some time and not go off my record, I told her not to so it wouldn't stay on my record as paid after months in collections. 
4. Asked by RDAC, XXXX, and whoever, the local manager refused to correct my file, on repeated contact for months ... She refuses, even though I have evidence against her. It would take thousands to go to court for {$750.00}, so she is intentionally ruining my credit and ability to move to any rental ever. {$750.00} for destroying the place keeps me from renting anywhere ever.

5. Recently finding that my credit rating is still destroyed even though I disputed this on credit reports, I disputed this and XXXX already came back saying it stays on my file. Per XXXX, you are the next agency to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays Bank has a pattern of applying payments that were received on time after the payment due date, resulting in late payment fees and interest charges. This has happened most recently to me with my XXXX and XXXX payments, but it has also happened previously. This is not a one-off issue. It is a practice. 

This most recent case is typical : my bank says it made payment on XX/XX/XXXX. Barclays own record reveals receipt on XX/XX/XXXX, the due date. Yet the payment is not posted until XX/XX/XXXX, and late fees and interest are charged. 

I have called the company numerous times and written to it twice. Most times, after some back and forth, the charges have been reversed. I believe it repeats this practice with many other customers.

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 2022-07-26 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: OH

Complaint narrative:
There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account Number : XXXX 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX, 90 days in XXXX XXXX, 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. XXXX  Account Number : XXXX days in XXXX XXXX  120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX 90 days in XXXX XXXX 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX Account Number : XXXX 90 days late in XXXX XXXX, 120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days XXXX XXXX 150 days in XXXX XXXX 180 days in XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX  Account Number : XXXX days late in XXXX XXXX  120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX 90 days late in XXXX XXXX  120 days XXXX XXXX  150 days in XXXX XXXX  180 days in XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Despite several attempts at disputing a collection account with XXXX XXXX XXXX, they continue attempting to collect an account for Synchrony Bank. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.

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 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
XXXX XXXX XXXX I got a bill from Erc a debt collector I responded and told them I never did business with at & t I filled a police report reported it it XXXX I looked through my credit report and found an address that wasn't mine so I flagged it I received a letter from Erc that said they didn't find fraud the address is XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX I live in XXXX NC don't know where XXXX XXXX is had to look it up never visited this place in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood has decided to end their relationship with me I would like to restore that relationship I am a multi millionaire thats interested in investing in the best application Out there to buy and sell stocks which is Robin Hood so I would like to restore this relationship as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I have contacted this company and they are unable to provide me with the information on my collection account. I need to validate that this account is mine. 

Please provide the following : Details about the creditor to whom the debt is currently owed : Their name and address, the account number they are using for the debt, and the amount owed. 
Details about the original creditor when the debt was created : If the debt originated with a different creditor, provide the original creditors name and address, the account number they used, and the amount owed to them at the time the debt was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from their official name. In addition, please tell me when the current creditor obtained the debt and who the current creditor obtained it from Verification and documentation : Please provide valid documentation to demonstrate that I am required to pay the debt to the current creditor ( e.g., a copy of the written agreement that created my original requirement to pay ). If the debt belongs to someone else, please provide verification and documentation to show that I am required to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: UPGRADE, INC.
State: FL

Complaint narrative:
In accordance with the fair credit report UPGRADE INC has violated my rights In accordance with the fair credit report 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # # # # # # XXXX, XXXX AXXXX XXXX  Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX  Account # # # # # # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Debt collector is attempting to collect potentially fraudulent account despite several disputes and demands for documentation indicating proper ownership. Copies of disputes and proof of identity were sent to debt collector. They refuse to conduct a proper dispute and continue to report account to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: NJ

Complaint narrative:
Experian only calls the company a debit is with. I am entitled to a full investigation, not just with company, they just get ahold off company take their word and call this verified.

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 2022-07-26 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: TX

Complaint narrative:
XX/XX/XXXX of XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-07-26 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:
I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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:
I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}

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 explanation