vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: Kikoff Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. 
Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. 
As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter.

Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. 
I look forward to your prompt response and resolution of this matter. 
Account information : KIKOFF LENDING LLC balance {$32.00} 150 days late Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/XXXX sent letters to Experian, XXXX XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
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 As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2023-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/23 I made an internal transfer from one of my savings accounts to another savings account in the amount of {$1700.00}. Only {$700.00} was credited despite showing that the transfer went through in the amount of {$1700.00}. 

When I contacted the bank on at least 5 occasions, they advise that {$1000.00} is being held due to " pending verification of funds. '' However, I have over 10x the amount in my various accounts and 5x in the account I transferred it from. In addition, the funds were fully available and cleared prior to the transfer. 

I have also lost out on a week of interest as well.

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 2023-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: TX

Complaint narrative:
On XXXX XXXX The Branch Manager For Republic Finance XXXX Called My Place Of Employment. The Manager Told Him I Was Not Available As We Are Not Allowed To Receive Personal Calls. XXXX Then Told My Manager This Is XXXX At Republic Finance Can You Have Her Give Me A Call Back Because I Am Trying To Save Her Account From Being Charged Off At The End Of The Month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
i tried to open a checking account at XXXX and aslo XXXX XXXX  and they said no its was some fraud going on with chexsystems please have what ever remove so i can open up my checking account

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Someone opened a Marcus by Goldman Sachs Credit Card for XXXX XXXX XXXX using my Middle name as my first name and all other stolen information. 
On or about XX/XX/XXXX I began receiving emails about me getting my new credit card soon. I didn't pay much attention because I assumed it was some kind of advertisement and/or scam email? 
I kept getting emails about approval of card and my credit limit. That's when I checked with XXXX XXXX to see if anything was on my credit reports. Sure enough, there it was. 
I contacted the credit card company directly on or about XX/XX/XXXX? I explained to them the situation and they went ahead and restricted the card. About that time I even received a gift from the Jewelry Store, which I immediately returned. 
I was told that they would investigate the situation and get back to me with 10 days ... which they never did. 
After receiving a " billing statement '' in the mail from CC company I called them again and discovered that they did not do anything except put a freeze on the CC. This was on XX/XX/XXXX. I gave them all the info over again and they said they would resolve within 10 days. At this time they also informed me of other attempts to use my info for other CC, s. 
Now I see that the balance due was reported to the credit bureaus and my scores have dropped XXXX points. Previous to this I did place a restriction on any credit inquiries for all 3 credit bureas shortly after my first discussion with CC company back in late XX/XX/XXXX. They told me to also contact you as well but I did not up until now after seeing what is happening with my credit scores? 
Please help me with the situation..? 
Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a notice in the mail regarding an alleged debt in XXXX of XXXX. I was told to respond by XXXX of XXXX in which I did. I asked the company to provide original information regarding the alleged debt, and currently in XXXX of XXXX I still have not received anything. In XX/XX/XXXX i tried to call the company and they claimed my account was holding pending documents I submitted. I still have not gotten an answer back. 

This company who sent the letter claimed to be collecting a debt for another company in which I contacted via phone in XXXX of XXXX because they were not licensed to collect a debt in California.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I became an authorized user on my late mother 's small credit card account with Barclay Bank prior to her death in XXXX. After her death I cut up and returned the cards I had in my possession with notification of her death included and asked the accounts be closed. The accounts continued to stay open. I wrote and and called to close the account repeatedly. It remained open. The cards were not used and for several years I paid the yearly fee in order to not hurt my credit as the creditor refused to follow my request to close the account. Finally in XXXX I called once again explaining that my mother had been deceased six years while they continued to keep this account opened. I was assured that the accounts would be closed and the yearly fee cancelled. 

In both XX/XX/XXXX and XX/XX/XXXX, this account was reported on my credit report with a 30 day late notice for the yearly fee ( they are also trying to collect a yearly fee for an account closed by them ) after I requested the prior month and for the previous six years that the account that was not used and was in a deceased person 's name, be closed. The creditor then closed the account and referred it to a collection agency.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXXXXXX XXXX XXXX - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it XXXX take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( XXXX ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( XXXX ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXX XXXX XXXX - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it XXXX take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, 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 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
On XX/XX/2023 I received an alert from my credit monitoring company advising that a collection had been added to my XXXX credit report. When I checked the report, I saw a {$190.00} collection account had been added by Frontline Asset Strategies. There was no original creditor listed and I knew that I did not have any delinquents and I had not received any correspondence regarding this. Therefore, I disputed the collection with XXXX who then supplied me with the proper information including the original creditor which was XXXX. I contacted XXXX on XX/XX/2023, and spoke to a financial specialist who determined that I, in fact, did not owe them any money but since the debt had been sent to collections, she transferred me to her supervisor to help get the matter cleared. The supervisor also agreed that I did not owe any monies and the mistake was on their end as my account was not closed out properly. The supervisor, with me on the phone, then called Frontline Asset Strategies to have them withdraw the collection. I recorded our entire call and on the recording, you can hear the XXXX XXXX confirm with XXXX XXXX, the Frontline Asset associate, on the phone, that the mistake was XXXX 's and I did not owe them any money. Still, XXXX refused to remove the debt. When she realized that both I and the XXXX representative were on the phone together, she said that she could not continue the conversation unless the XXXX rep disconnected. Once, she disconnected, XXXX proceeded to tell me that the debt could not be removed unless I provided additional information even though the XXXX rep told her that the debt was not legitimate. Once I told XXXX that was she was doing was illegal, she hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Loan was dismissed and they are still reporting on my credit beaural

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Loan was dismissed and they are still reporting on my credit beaural

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Loan was dismissed and they are still reporting on my credit beaural

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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX I received a text from a customer regarding a floor remodel the person sent me a cashiers check through XXXX mail the check had a bigger amount on it and the sender asked me to send it to the people who bought a house from XXXXOn XX/XX/XXXX check was cleared and I sent a payment of {$2000.00} US dollars to email XXXX the customer XXXX XXXX kept harassing to send payment so I got skeptical after I sent XXXX  and contacted the bank to report fraud and didnt send anymore money I let the customer know I had to wait for the check to be cleared and he was impatient and got the check canceled and the full amount of the check was refunded back to the account and the XXXX  I sent I have to pay myself back because the banks cant do anything about it I have the adress and drivers license of the customer but it was probably stolen by a scammer so Im pretty much stuck paying back the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number:XXXX  Account Name : XXXX  Account Number:XXXXXXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation