vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/2021, I noticed that XXXX was show showing a repeated charge off that manipulated statute of limitations regarding XXXX/CNGO Acct # XXXX. I asked XXXX and XXXX/CNGO to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX/CNGO to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both XXXX and XXXX/CNGO both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
This collection agency continues to add this collection on my credit report with all 3 agencies. The original debt was with XXXX XXXX XXXX more than 7 years and Paramount continues to add and take off of my credit report causing my credit score to lower, especially when I have worked so hard to keep credit clean. They will report to all 3 agencies, I put in a complaint, it gets removed time goes by and they add it again. 

It seems that XXXX sold my account to multiple buyers and the medical debt is more than 7 years old I want them to cease all collection efforts as this is damaging my credit and the account is more than 7 years old. On top of that I have another agency trying to collect the same debt that again is more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On numerous occasions over the past six months, beginning XX/XX/2021, I've attempted to contact Equifax to get personal information and unauthorized inquires removed from my profile with them. I am repeatedly ignored. 
Per the FCRA, only accurate and updated information is to be on any consumer report. I've sent letters and I've tried to call. Equifax refuses to comply with FCRA guidelines and is violating my consumer rights. 
First, they have an inaccurate address listed that they refuse to remove even though I've sent proof of what my address is. Second, they refuses to remove the personal 'statement ' they've placed on my file even though I did not ask or authorize said statement. 
Third, they refuse to remove the inquiries I've addressed even when I've sent them copy of FTC report and copy of corresponding FCRA section that pertains to removing unauthorized inquiries. In fact, instead of removing the inquiries they placed a fraud alert/freeze on my report that I did not ask for or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: SC

Complaint narrative:
Experain Information Solutions , Inc and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( Experian and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.

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 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For over 40 years, my father Mr XXXX XXXX XXXX has been a loyal Bank of America customer. In recent years he added my sister XXXX and myself as signatories to his account. This is an account he has used mainly to deposit his lifetime savings, it's not an account with a large number of transactions. 

In XX/XX/2020 he found that all his savings had been withdrawn from the account without his knowledge. After contacting the banks fraud claims team and a lengthy investigation, the funds were reimbursed to his account. To prevent any possible future fraud taking place, additional measures were implemented ; his voice was needed to request any changes or give the bank any instructions. He Insisted in not having an ATM card, as he only manages the account with his checkbook. To his surprise, in XX/XX/2020 the account was emptied again. We have found that a card was issued on my name, delivered to an address in XXXX FL and then used in cash machines in XXXX. We never requested a card, have never provided an address in XXXX and have never had an ATM card for this account. 

After 6 months of continous emails we had received {$60.00} of the total of {$70000.00}. See the detailed of the withdrawals attached. 

I would really appreciate it if you could guide us to someone in the bank who could own the resolution of this case. As you can imagine, for an XXXX year old person, this situation creates levels of stress which are not healthy. 


PD : Attached is an XXXX sheet with all the withdrawals made from the account with the atm card that sum sometimes {$3.00} in just one day. 

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 monetary relief
Consumer complaint received 2021-10-24 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: OH

Complaint narrative:
i had sent a letter to XXXX on XX/XX/2021 about inquiries and the have not replied to my 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 explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
AD Astra Recovery Service, on behalf of " Speedy Cash XXXX '' has had a collection to my credit report for the amount of XXXX. I am not aware of this debt, nor have I received a letter about the debt notifying me of my right to dispute - Nor have I received a debt validation letter. 

I live in the state of Alabama. I am not sure that this creditor is even registered in alabama to collect funds. 

I want this erroneous information removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Crate and XXXX/Synchrony Bank offers customers the option to get reward points or deferred interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. My experience is summarized below. 

On XX/XX/XXXX, I made a couch purchase using the deferred interest option totaling {$3400.00}. The company reported my " promotional '' balance as {$3400.00} on this date. 

Subsequently, on XX/XX/XXXX, I placed another order totaling {$870.00} using the XXXX credit card. I chose not to use the deferred interest option with this purchase. Because the company could not fulfill the order on a timely basis, I cancelled this order after few days. Accordingly, I received a credit of of {$870.00} on XX/XX/XXXX. Based on my conversation with the company 's representative, this {$870.00} credit was going to be applied against the original charge. I thought my " non-promotional '' balance was effectively {$0.00}. But this turned out not be the case. Instead of applying the {$870.00} credit to offset the original " non-promotional '' charge, the company 's systems applied it to my " promotional '' balance which is not subject to interest in the near term. Consequently, I was charged interest for carrying an average " non-promotional '' balance of ~ {$800.00} for about a month. I found this out when I read my statement. Today ( XX/XX/XXXX ), I spent over an hour with three of the company 's representatives to figure out what went on. I was told that this issue would be reviewed and that I would get an answer within two billing cycles. I was told that to avoid further interest charges, I need to pay off the incorrect " non-promotional ' balance by the current month 's due date. Effectively, the company is forcing me to pay undue interest and pay off part of my " promotional '' balance which I supposedly don't need to pay off until 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 monetary relief
Consumer complaint received 2021-10-24 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:
XXXX XXXX XXXX XXXX XXXX and Trans Union , LLC have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and Tran Union ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.

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 2021-10-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the Equifax Information Services, LLC wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: DC

Complaint narrative:
Never received a notice from SEQUIUM ASSET SOLUTION for a debt {$740.00} I never owed, it is a similar amount as a false collections by resource management and receivables performance management. I do not know where this number came from. I never received notice in writing about it and was never ever contacted about it. I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX, Are claiming I owe {$450.00} for a Cleaning deposit. The apartment flooded because of a broken pipe, because of faulty plumbing, I have attached the pictures showing the damage. This Management has a History of committing Fraud, My Attorney and my local Government have put them under investigation, My attorney is in the process of filing a Legal Complaint against Fair Collections and Out Sourcing, They Have threatened me and call me 12 times a day, and i know this in in violation of the FDCPA. I have phone recording and documentation. that my attorney has, Thanks for listening. And PS, I ended up paying for the repair, Pics attached.

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 2021-10-24 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 just received my credit report and I noticed unauthorized items that shouldn't be reporting sure to identity theft

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 2021-10-24 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: OH

Complaint narrative:
i had sent a letter to equifax on XX/XX/2021 about inquiries and the have not replied to my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
Some company by the name EOS CCA put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am XXXX XXXX a natural person. I completed a credit application online with CAPITAL ONE AUTO FINANCE to purchase a vehicle from XXXX XXXX XXXX dealership. I was not granted the credit and received adverse action from CAPITAL ONE AUTO FINANCE. This denial of my credit is a violation of my consumer rights. Pursuant to 12 cfr 1002.7 CAPITAL ONE AUTO FINANCE should not deny me of my own credit which is a prohibited act and wilfully violating Federal Law and my consumer rights. Pursuant to 12 cfr 1002.9 Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. CAPITAL ONE AUTO FINANCE has no authority or jurisdiction to deny me of my own extension of credit. I demand that CAPITAL ONE AUTO FINANCE grant me my credit for the amount applied for. I demand CAPITAL ONE AUTO FINANCE to provide in writing the facts and the source of their results for this decision. If CAPITAL ONE AUTO FINANCE does not respond in 3 days and grant me the credit it is in fact a violation of my rights and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
Uploaded money on my Netspend card ending in XXXX .. card was blocked and they wont allow me to access funds or send me a check in the mail for remaining balance.

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 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a Citi Bank Mastercard. I called the company at the end of XXXX and asked that the credit card account be closed. They confirmed it was closed. When I logged in online, I confirmed that the webpage said " This account is closed. '' XXXX a company put through a charge for merchandise that I had cancelled in XXXX, confirmed with the company it was cancelled at that time, and never received any merchandise. The company apparently was able to put through the charge because Citi allowed it EVEN THOUGH THE CREDIT CARD WAS CLOSED! As a result, I'm getting a bill from Citi, late charges, interest, penalties, etc for something I didn't buy on a card I don't have. 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 monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been fighting with Equifax for over a year about putting this address on my Bureau. They asked me to send in my identification showing my current address and I do exactly what they asked. I submitted the information asked via fax and mail. They are refusing to remove this address. They first removed the address then put it back on my credit again today. Im concerned that someone at that address is trying to use my credit and they wont do anything about it.

Company response to consumer: Closed with explanation