vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NJ

Complaint narrative:
On XX/XX/2022 I submitted my complaints and disputes regarding improper use of my consumer information. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit reports showing the inaccuracies. 

Accounts : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
A collection was placed on all three of my credit reports for a debt I did not know existed. I got insurance through a local agent. Made the first payment. Went back to agency to make second payment a month later where I found an empty building. I assumed my relationship with that business was over. The policy was for my work truck through XXXX XXXX. XXXX XXXX kept the policy opened for XXXX more days without my knowledge. XXXX XXXX did not have my direct contact information. I never made direct contact with XXXX XXXX. I had no idea who my policy was with other than my agent whom I had spoken with often. 

The balance of {$420.00} was placed for collections with CCS. Upon contacting CCS I was told that the only way to remove this from my credit was to contact XXXX XXXX. I offered to pay this amount in full if the report were to be removed from my account because I was never given the opportunity to pay this before it damaged my credit. XXXX XXXX refused payment under those conditions. XXXX XXXX acknowledged no contact was made with me before this account was placed for collections. The phone number they had for me was not mine. The email they had for me is not mine. The address they have for me is an XXXX that I had used. I have not had a permanent address since XXXX. 

I am currently homeless and have worked very hard to build my credit. This derogatory mark on my credit is keeping me homeless and has made all of my hard work building my credit vanish into thin air. I had hoped to buy a home in XXXX. 

What is the upside of me paying this? The damage is done. I just want to pay this and have it not be on my credit. I would have paid this at anytime if I had known about it. My contact information is on my credit report. I could have been easily contacted at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I used to have an account with Nissan Account # XXXX I see this account reporting as a paid chargeoff. I don't believe this to be accurate. This account was paid on time for the duration of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/90 days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
This financial institution took money out of my checking account to offset my credit card, and closed all of my accounts with them. From what i understand they are not aloud to offset credit card debt like this.

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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my full credit report and saw many alarming error reported still after i sent certified letters to the credit bureaus to let them know some inquiries are showing that i DID not authorized not recognized, i do not have any accounts with these companies what so ever! 

I patiently waited 30 days after sending my letters and its still showing and i didn't received any response from them either. very frustrating i work hard to have a good credit. 

Here are the inquiries that are on my report and need to be removed. 

Transunion reports : XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) - 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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I used a credit card with Capital One and when I tried to make a payment on the due date they didnt accept my payment method and they locked my account, Not only that after I missed the due date ( because I was notified the next day that my payment method wasnt accepted ) they charged me {$780.00}! In interest, I tried to talk to capital one to remove it but there is no one to talk to. 

I would like my interest back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NC

Complaint narrative:
My issue is with an auto loan from XXXX  XXXX XXXX. XXXX has a 30 day late in XXXX and XXXX but experian has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. XXXX claimed it was verified. XXXX failed to respond. Experian claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. Experian has 2 30 day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.

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 2022-11-10 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: NY

Complaint narrative:
I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXXXXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.

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 2022-11-10 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: NY

Complaint narrative:
I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXXXXXX XXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX Bank has reported a {$500.00} balance to the credit bureaus hitting my credit score every month even though the account has been paid to a zero balance and the account has been terminated since XX/XX/2022. The account has been to a zero balance since XX/XX/2022. Spoke with customer service in XXXX and they stated the switched to a different system and it wont let the bank report to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Unable to change telephone number for accessing bank info and statements on line. Submitted documentation to bank on XX/XX/22 they submitted a Document Review Request Form with a notarised document allowing for the telephone number change that was signed. Was informed by the bank that the legal department informed them of the refusal of said documents, only if I came personally to the bank, which is impossible as I am in XXXX at the present time. I sent my cousin XXXX XXXX to represent me at the bank.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I called Citi Credit Card Co. To make a XXXX payment on the XXXX of XXXX. Then on the XXXX of XXXX I had received an email stating that my payment was coming up to please make a payment because my payment was returned. Next I asked them if they needed my routing number to make my payment and they told me no that they didn't need that information to make my payment. Then on the XXXX XXXX. Which was my original payment due date the amount of XXXX was taken out of my account as it states on my checking account with XXXX XXXX XXXX and 2 days later its not posted on my Citi Credit Card balance, and I talked to XXXX about this I told him I'm never late on any of my credit cards and I don't want to take a hit on my credit report by trying to make my payment. And they pushed my payment to the XXXX of XXXX. XXXX said he put in my complaint to his supervisor to try and get this issue resolved today. But could take up to the XXXX of XXXX.to have my XXXX put back on my card.

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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$15000.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$21000.00} Open Date : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I banked with XXXX XXXX XXXX XXXX and I had to file for XXXX  XXXX, XXXX was part of XXXX  XXXX. On XXXX. I was granted a discharge under section727 of title 11. I recently tried to refinance and my credit report show that the XXXX account is closed but that I owe them {$15000.00}.

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 non-monetary relief
Consumer complaint received 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account XXXX XX/XX/90 days late 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 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account XXXX XX/XX/90 days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/90 days late 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 2022-11-10 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: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : 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