vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: AZ

Complaint narrative:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX Account XXXX : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

XXXX following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young  daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX XXXX  unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as XXXX State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

1. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX  XXXX Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AZ

Complaint narrative:
On XX/XX/2022, I received an alert from XXXX  that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
XXXX also indicated that a credit account had changed on my report. The account was for an energy company in XXXX called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX two times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. Experian sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in XXXX My consumer report shows I'm currently XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. At no time in 10 years have I lived in XXXX XXXXr even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.

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 2022-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened this account a year or so ago because my dentist offered it to me, I make regular monthly payments but noticed recently that my balance doesn't seem to be going down, so I looked through the transactions and realized they've charged me {$1300.00} once, and {$520.00} twice. I reached out to find out what the mistake was, and they said they {$1300.00} is a " credit '' on my account ( which it is not ) because they " purchased '' my previous balance at the end of a promotional period, and that the {$520.00} is being charged every month from now on. ( My original balance on this card was only ever a little under XXXX, and I regularly make payments of between XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX, Account number XXXX XXXX/DEPT OF ED, Account number XXXX XXXX/DEPT OF ED, Account number 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a personal loan with Discover. I have automatic payments setup to be paid by the XXXX of the month. No problem, those are applied. 

But, I would like to pay extra on the principal amount and I asked how I can go about and do that. Here is their reply : Dear XXXX XXXX, Thank you for contacting us regarding your personal loan with Discover. 

We received your request about making a payment to the principal only. The easiest way to do this would be to combine the amount you want to make toward your principal with your regularly scheduled monthly payment. 

Any amount exceeding your Scheduled Payment amount that is included with your Scheduled Payment will be applied to your account as follows : 1. Unpaid late fees 2. Accrued and unpaid interest 3. Unpaid principal amount But, should we NOT be allowed to make extra payments on the principal amount? I understand # 1, but not # 2. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 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 719XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-05-17 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: FL

Complaint narrative:
I mailed a certified letter XX/XX/XXXX to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balances they responded stating I was not specific with my dispute. XXXX XXXX account XXXX XXXX this is a charged off account which has an inaccurate balance amount also with a past due amount listed has also inaccurate Date of First Delinquency, Date of Last Payment and Payment History please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/XXXX Also the 3 credit bureau have different account numbers nothing matches I need these items to be removed asap none of the information the credit bureaus match

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 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NY

Complaint narrative:
I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( XXXX ) who is submitting this complaint on my own behalf there is no third party involved. Weltman Weinberg & Reis Co. LPA have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. Weltman is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and Weltman is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by XXXX certified mail which was picked up on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I did a balance transfer from my Citi card account. It is due to be paid off so I do not incur additional interest or fees. No where on the site or when I call the CS rep can someone give me a clear and concise balance so I know what to pay and on what date. It says I should pay by XX/XX/2022 but the statement closing date is the XXXX. Normally it is by the due date and that is the XXXX. It is so confusing, the rep was on the phone because the numbers are not matching and she could not find the numbers either. The amount she is giving me is almost XXXX less than what the numbers available say. Is this a trick so I dont pay the right amount? I really do not think it is but why can't there statement or site give the correct and up-to-date information. She told me she was going to look at something, then hung up after waiting for XXXX min to get someone and XXXX min on the phone. 
Very frustrating and it needs to be represented to the consumer in a more plain talk like other banks. There is not warning that it is due by a certain day on the statement, no alert that your balance transfer is due on the site. 
My daily balance subject to interest is XXXX. I have paid XXXX I should owe XXXX and she is saying I owe XXXX. Does not add up.

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX, XXXX I deposited to Chase bank {$2900.00} cash to use ATM machine at XXXX XXXX XXXX, XXXX CA XXXX 
At that time, money was jammed, and the machine just printed one reciept and fail to deposit. The amount of money ( {$2900.00} ) didn't show up on my account. So I opened the claim with Chase customer claim department, and after 11days, they said the case was denied because they couldn't find any trasaction about my debit card at that day on that ATM machine. So I visited the chase branch and ask to help, but they can not help anything about ATM machine. So I am requested help to CFPB to fine my money back. This money is my rent, utility and all for living but I can not pay anythkng so I am having difficulty to live. 

I will give the information on the reciept which was printed out that time : AID # : XXXX Term ID # : XXXX Sequence # : XXXX Card # : XXXX deposit to check account XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I paid my auto loan off early in XXXX of this year in full to close my auto loan and they continued to debt my bank account via autopayment the following month. The overpayment took over 25 days to receive from them via check. My XXXX Balance/Account closed or paid in full letter was sent signed and dated XX/XX/XXXX and my closed Paid IN FULL Promissory Note, Disclosure, and Security Agreement from them was dated XX/XX/XXXX. 

The issue is my loan was paid off early, then they debited my bank account to overpay, took 25 days for reimbursement, Paid in Full dates do not match and now they are tried debiting my bank account two months later after my account has been closed and paid off! 

Now they have deleted payment history on their website, reopened my account and even debited my bank account without my permission AFTER MY ACCOUNT WAS PAID OFF AND CLOSED TWO MONTHS PRIOR! 

I have requested a written explanation in accordance to 15 U.S. Code 1692g - Validation of debts and have not received anything in writing. They have also deleted my payment history from their website by deleting my last payments and even the reimbursement of when they kept debiting my bank account even after it was paid off ... creating an overpayment for over a month. Do not TRUST THIS COMPANY!

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 2022-05-17 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX XXXXaughter 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 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System Inc. at XXXX XXXX XXXX XXXX XXXX, MN XXXX has sent me a collection notice in the amount of {$2200.00}. This company is claiming a debt that I was never notified of and was paid in full by my insurance company. I am not familiar with IC Systems Inc. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal 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 2022-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief