vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am trying to recover funds for a transaction dated around XX/XX/2023 for {$180.00}. I had a billing issue with XXXX XXXX in XXXX option and the merchandise and ended up filing disputes with CitiBank in order to recover my funds. 

The seller, XXXX and I resolved things but I prematurely withdrew my Citibank disputes in order to attempt to fix things and I ended up having to pay XXXX with another credit card. They were no longer going to take funds from a disputed transaction. 

I am ok with XXXX at the moment but, because I withdrew my disputes, Citibank reversed the provisional credit but XXXX ended up sending them back the funds for those transactions. I called XXXX to confirm this. Both parties are claiming that I need to talk to the other and no one is willing to resolve the matter. 

Meaning I had to pay XXXX {$180.00} with another card to resolve the original plan and Citibank currently has another {$180.00} for the reversed disputes. Ive reached out to them and had supervisors request to open disputes but nothing has helped me recover my funds from that debt. Citibank refuses to help or credit my account with that duplicate charge. So dont ever withdraw your disputes or even open them to begin with with Citibank XXXX Both parties are claiming that I need to talk to the other and no one is willing to resolve the matter.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Upon checking my consumer report on XX/XX/XXXX, I notice there was a collection account been furnished by SOUTHERN MANAGEMENT SYSTEMS to my consumer file. I dispute this matter with the consumer reporting agency as I have no knowledge of this account nor have I received any prior Initial communication from this company who identifies themself as a deb collector as per the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) FDCPA.

I also reached out to SOUTHERN MANAGEMENT SYSTEMS that I the consumer wishes to Cease all communications with me the consumer and my household pursuant to 15 U.S.C. 1692c.

The company said they will notate the account as per my request and will follow up with me. 

On or about XX/XX/XXXX I received a copy of my consumer report and notice the said company was still communicating with me via furnishing inaccurate information to my consumer report, and thus severely damaging my creditworthiness and reputation as federally protected consumer.

Said company is knowingly failing to comply with the FDCPA section 805 regarding me as a consumer exercising my rights to cease communication. 

On XX/XX/XXXX I the consumer furnished written notice to SOUTHERN MANAGEMENT SYSTEMS to CEASE AND DESIST ALL COMMUNICATION. 

As of today XX/XX/XXXX the company has yet to rectify or acknowledge my right to do so. 

Several calls to said company is met with rude and profane language directed at me the consumer by its agents and refusal to have me speak with a management personnel, legal or compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is allowing someone tomimportly use my credit report and social to apply for different credit accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I was charged late fees by PHH mortgage in XX/XX/year>, even though it was because of a system error on their side. Here 's the timeline : XX/XX/year> : My mortgage was transferred to PHH mortgage XX/XX/year> : I made mortgage payment for XX/XX/year> XX/XX/year> : the autopay for XX/XX/year> didn't happen because it wasn't set up by PHH mortgage ; I had sufficient funds in my bank account for the payment XX/XX/year> : I made payment for XX/XX/year> manually through PHH website I attached my bank statements for XXXX, XXXX, and XX/XX/year> as evidence. I request PHH mortgage remove the late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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 am filing to formally notify you of my intent to pursue legal action against you. 

I have provided comprehensive documentation demonstrating that the data furnishers do not possess accurate records. Additionally, they have failed to respond to my requests for information, which is a legal obligation. Despite this, I continue to receive generic responses from you, asserting the verification of the listed accounts. Where is the evidence of this verification? I have yet to receive any documentation confirming my legitimacy as the author or responsible party for these accounts. Without verification or evidence, how can you assert compliance with FCRA law? I am providing you with one final opportunity to rectify this situation. 

The following accounts are reporting inaccurate information and I insist on their immediate removal from my file. 

XXXX XXXX and XXXX XXXX. 

Please be advised that, in accordance with the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to conduct this investigation. I am meticulously documenting your actions, including your method of verification. I explicitly do not consent to E-OSCAR or any form of automated verification.

Furthermore, the presence of these inaccurately reported accounts is causing significant emotional and financial distress, adversely affecting my sleep, work performance, and personal life. I demand their prompt removal.

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 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
A collection agency is trying to collect a debt from me for an address that I never lived at, for XXXX XXXX XXXX, a product I have never had. I own the property surrounding the address but I do not live there nor have I never lived there I simply own the XXXX XXXX XXXX around it. They claim I owe {$610.00} to a company called LVNV funding who has purchased the debt from XXXX. In addition to the debt being charged off it as well past the statue of limitations to collect it. I have responded several times to this company telling them I do not owe the debt it is for someone else and I've never lived at this address and they will not listen. The name of the company is XXXX XXXX XXXX XXXX, Kansas. I have tried several times to dispute this through their website with no success as all it does is brings up a black screen when I try to submit it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
A third party collection agency bought the account and I do not owe the company that bought the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Theses Account have Affected my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items from my credit report

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I went into XXXXXXXX XXXX in the area i am located and i tried to open up a business bank account and credit card at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB i told him i was aware that my information had leaked and i was a victim of the Equifax XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the Equifax data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION STILL REPORTING IN MY CONSUMER REPORT : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of CONSUMER reports XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my CONSUMER report

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 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for an installment loan through American First Finance for a total of {$3400.00}. I got the loan to pay for a rebuilt transmission from XXXX XXXX ( XXXXXXXX XXXX ). They offered No interest if the loan was paid in full by day 101. 
Well for one reason or another I didn't pay the loan off within the 101 days. 
The loan was setup to auto pay from my account {$110.00} per week. 
So fast forward to XX/XX/XXXX, I login to my account to check the pay off amount. It shows I still owe {$3100.00}. I was floored. How can I owe that much still, I've made 43 payment of {$110.00} for a total of {$4900.00}. Something has to be wrong. 
I check my paperwork, only to find that with a loan of {$3400.00}, it was going to cost me a total of {$12000.00}. They charge 169.53 % APR. Are you kidding me? 
This is completely insane! 
I tried to get a hold of someone to get a lower payoff on XX/XX/XXXX, but they were closed. I did get a hold of someone today ( XX/XX/XXXX ). They offered me a payoff of {$1800.00}, which I paid, so the account would be closed. 
So in the end, I borrowed {$3400.00} and paid back {$6800.00}. Which still seems excessive. 
I just wanted to notify the division of the interest rate and make sure this company is within the rules of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently reached out to all 3 major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments. 

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked 90days late by TransUnion but marked paid on time by XXXX. XX/XX/XXXX I was marked paid on time by XXXX and TransUnion, but 30 days late by XXXX. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX XXXX XXXX Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I entered a consumer credit transaction, applying for an extension of credit, granting American Express National Bank access to my trust account, via my social security numberonly to receive adverse action in the form of a denial of credit. Adverse action against a consumer is against the LAW, a liability for breach of fiduciary duty pursuant to 29 USC 1109. Moreover, American Express National Bank has directly violated the Equal Credit Opportunity Act by discriminating against my credit application on the basis of my race, XXXX, religion, national origin, XXXX, marital status, and/or my age ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, pursuant to the Equal Credit Opportunity Act which is codified in 15 USC 1691 . Additionally, pursuant to 12 CFR 1002.4 a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. Based on the Federal Reserve Act Section 16 Part 2 states that my application was collateral security in a credit transaction. I provided valuable consideration, the application/security provided is transferable, interest bearing, and the application/security is still active on the private side. My trust/credit was accessed and there was unauthorized use of my nonpublic personal information. 18 USC 8 defines what obligations or other securities are in regard to the US debt. 15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW. The discrimination against me, the consumer, to be provided an 'open ended " credit plan, by denying my GRANTED RIGHT to credit. We The People are entitled to redeem our collateral, which is backed by full faith and credit of the nation ( Article IV, Section I of the Constitution ). Clogging those redeemable rights is considered a breach. American Express National Bank is attempting to clog my right to pursue life, liberty, and the pursuit of happiness. I AM CREDIT WORTHY!!!

Company response to consumer: Closed with explanation