vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
nder Fair Credit Reporting Act 1681b ( 2 ). XXXX never had a permissible purpose to furnish this report. I never instructed XXXX to furnish this report or create this report. Furthermore I never consented to this report in the first place. XXXX is reporting an abundance of incorrect and inaccurate information, which they are NOT exercising their grave responsibility with fairness and respect for my right to privacy ( 15 US Code 1681a ( 3,4 ). Inaccurate/Incorrect information : 1. ) XXXX acct XXXX XXXX {$120.00} 2. ) XXXX XXXX XXXXXXXX XXXX Acct # XXXX {$1200.00} 3. ) XXXX XXXX Partial Acct # XXXX {$520.00} 4. ) XXXX XXXX XXXX Partial acct # XXXX {$680.00} 5. ) XXXX XXXX XXXX acct # XXXX {$160.00} 6 ) ALL Inquiries 7 ) ALL personal information besides my Currect name and Current Address.

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 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
this false information I have never opened an account with XXXX on XX/XX/XXXX. 
CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$790.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$790.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX 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 2023-06-07 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: IN

Complaint narrative:
All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 1

5 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent. 15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include A
NY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IN

Complaint narrative:
All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have become a victim to identity theft. Someone maliciously used my information to get credit. Help me to remove/block fraud items listed on my Chex Systems report. I did report these fraud items to law enforcement Under 15 U.S.C 1681B permissible purpose of consumer reports, the credit bureau or creditor does not have rights or consent from me to report this fraud item and/or exploit any of my personal information under FCRA guidelines XXXX Please help delete/ block the fraud and inaccurate items listed on my credit reports. Additional Inquiries : XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc
State: AZ

Complaint narrative:
The company JJ Marshall and associates in XXXX Michigan repeatedly contacted my phone while at work to converse about an alleged debt with a bank in the amount of XXXX dollars. She stated there was a debt they needed to collect I then requested verbally multiple times for them to send correspondence so I could verify the debt. The lady that called then asked why. The proceeded to ask me if I don't trust them. She said a letter would be sent after I sent a payment in. 2 payments have gone out and they have not sent any correspondence about the debt. I've called and have not got any answer from them about where this letter is. They have the correct address on file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 an account without my written instructions XXXX Account # XXXX Open Date XX/XX/2018 Balance {$15000.00} 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 explanation
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
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 an account without my written instructions XXXX  Account # XXXX Open Date XX/XX/2018 Balance {$15000.00} 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 explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I accidentally overpaid our Bank of America credit card on XX/XX/23. We owed {$3500.00} on the credit card and I accidentally paid {$38000.00}. We opened a ticket with Bank of America on XX/XX/23 to have the overpayment of {$35000.00} returned to the same account it was sent from. We have called them multiple times requesting the refund, and each time we are told a different date the money will be returned by. The most recent date we were told this would be resolved was XX/XX/23, but it is now XX/XX/23 and there is no sign of the money being returned. We have requested the provide us with a statement in writing of when we can expect the money back and the exact amount they will be refunding us, but the have refused. We are in the process of buying a home and that is money we were saving for the down payment. We just want our money back.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2023, I was trying to make multiple purchases at local grocery store chains, including XXXX XXXX and XXXX. My Citibank Premier card kept getting declined. I called Citibank  at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. 

Each time, I told Citi representatives that the charges I was making were authorized and was willing to provide them any information needed to verify my identity to ensure the transactions were not fraudulent. While 3 of my transactions went through, there were over 10 attempts where my card was declined due to fraud. I spent hours on the phone with customer service, who eventually locked the card completely and told me I had to wait for a letter in the mail to turn my card back on. 

It has been a week and I have not received the letter in the mail. My card has now been disabled for a week ( despite the fact that it has constantly been in my possession and never used for fraud ).

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 2023-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
LendingPoint LLC is refusing to provide me with a copy of the loan application that a dental provider submitted to LendingPoint on my behalf unless I pay the alleged balance on my account.I understand that in or around XX/XX/2021 LendingPoint approved me for a loan of XXXX to be applied towards dental services provided by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I believe that XXXX XXXX  which submitted the loan application to LendingPoint, falsified my income information on the application inan attempt to ensure its approval. I do not have a copy of the application, so I am unable to review it to confirm weather it contains falsified information about my income ( XXXX XXXX XXXX XXXX and received only XXXX ) .On or around XXXX XXXX, I called LendingPoint to request a copy of the loan application.A representative told me that I could not get a copy of the application unless I paid my balance.Without a copy of the application, I can not determine whether XXXX XXXX  submitted false information to secure the loan, which is preventing me from taking other steps to address the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: AZ

Complaint narrative:
This is a follow up to a previous complaint. A debt collection company XXXX funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted Trans Union to dispute the debt due to XXXX being unable to provide an itemized notice of debt. Trans Union closed each dispute after XXXX said it was valid, still unable to produce any documentation with an itemized explanation of the debt. Trans Union then directed me here to complete a complaint. This was also just closed after XXXX responded with a letter, but still no itemized listed of the debt. Trans Union is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.

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 2023-06-07 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CT

Complaint narrative:
I contacted chime regarding a. Unauthorized purchase made on XX/XX/XXXX for ) XXXX from XXXX XXXX XXXX. I just contacted them today they advised to allow time to investigate a hour has passed and I just received a email they denied my claim and are refusing to credit back my account the {$180.00}. These people answering these calls are foreigners and can barely understand me and I can barely understand them. This charge is fraudulent and they need to give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX OF XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX L XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 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 2023-06-07 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: TX

Complaint narrative:
I am writing about a XXXX  credit card account that was opened without my knowledge. Someone used my SSN to open this account and I have complained to XXXX and XXXX, TRANSUNION multiple times to delete this account from my credit report because I did not open it but till today nothing has been done The XXXX credit card was opened XX/XX/2018 and has a balance of XXXX BANK NAME : ACCOUNT NUMBER XXXX BANK : 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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
Called my office on XX/XX/23 at XXXX. XXXX from XXXX XXXX. Told her to send me a notice in writing with details because I hadnt received anything. She said they did on XXXX. Found a text with no information other than they had my account & to contact them. I told XXXX to not call my office and she began yelling at me that I had a responsibility to pay me debts. I said that I know my legal right is to advise them to not call me at the office and who was she with again. She wouldnt tell me. I said Id be filing a complaint. She said she would put me down as a refuse to pay and theyll be coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX ( 1st ) Loan amt. {$180000.00}. Payoff from mortgage loan {$100000.00} cash to seller {$61000.00}. XXXX XXXX XXXX ( XXXX ) XXXX XXXX finance charge XXXX ( 3rd ) XXXX Bank of America gave XXXX {$170000.00} XXXXXXXX XXXX  Bank of America is the ( 4th ) mortgage company and XXXX Mortgage is ( 5th XXXX XXXX  went back and forth with this Loan. In XXXX there was {$12000.00} overage. 

There is no explanation why there is 5 Mortgage Loan on this House. We owe the same amount now, as to when we built the house 23 years ago. I have Investors calling offering me XXXX for this house. We have never miss a mortgage payment.

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 2023-06-07 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: SC

Complaint narrative:
i have contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

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