vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've checked my consumer report and I see inaccurate personal information reporting to my credit report. This information is wrong, and I never went by none of these names ( XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, the correct name that is supposed to be reporting is ( XXXX XXXX XXXX XXXX the job XXXX  XXXX is inaccurate. I have never worked for that employer. Additionally, the following address that is reporting are inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. According to the FCRA everything has to be reported accurate on my consumer report. I have attached a copy of my personal information for it to be updated.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my 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 2022-04-16 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: MI

Complaint narrative:
I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I found out that Experian credit reporting company was erroneously reporting that my XXXX XXXX account was past due 30 days for XXXX XXXX. I called the XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they repeatedly stated that they did not report my account as being past due. I have contact Experian on multiple occasions via phone and online trying to get this issue corrected. Most recently on XX/XX/XXXX and XX/XX/XXXX again submitting the letters that were sent to XXXX XXXX to correct the issue. Again this has never been reported by XXXX XXXX as past due. Experian never corrected the error. Experian has never reported a status of this inquiry to me. I want this issue to be corrected. This account for XXXX XXXX XXXX is now Closed but I still want the Payment History to be corrected!

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 2022-04-16 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: MI

Complaint narrative:
I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my 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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-16 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filling this complaint against One Main Financial for various violations of my rights under the Fair Credit Reporting Act. 

I have reached out to One Main Financial several times to dispute the account information that they are furnishing to the credit bureaus. 

My last attempt to rectify the issues with One Main was addressed with the correspondence I have attached to this complaint sent on XX/XX/202. I sent a correspondence to One Main Financial by certified mail stating that I wanted to dispute the referenced account on the grounds of inaccurate information and inaccurate reporting of account history. With my letter I included two correspondences that I received from One Main Financial in regard to the balanced owed. I have two documents from One Main with two different amounts owed. I asked that One Main Financial conduct an investigation and provide to me all payment history along with the accounting methods and the accurate amount owed. If One Main is unable to provide such, I requested that the inaccurate account be deleted from my credit profiles.

Along with incorrect balance information, One Main also is providing inaccurate account history information to the credit reporting agencies. I have also address this issue with One Main as my this company continues to ignore my written requests.

One Main continues to ignore my requests for the requested information. One Main continues to violate my rights under the Fair Credit Act by not performing a reasonable investigation into my claims as I have provided proof with contradicting account information provided from One Main itself. One Main has also violated my rights under the FCRA for failure to notify the Credit Reporting Agencies that I disputed the debt with their company. One Main continues to certify to the Credit Reporting Agencies that the account information is accurate when I have provided proof of the inaccuracies and conflicting account information.

One Main has sent me several letters in which I have included with this complaint. The correspondences that were sent clearly show One Main failure to acknowledge my dispute, even though I provided sufficient proof in documentation.

As a rule, its illegal for One Main to report information that they know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) According to the FCRA, One Main can not, under any circumstances, report information that I, myself, the consumer has reported to One Main is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Costco Citi Bank Card and requested a credit increase. To do so, I was required to unlock my frozen credit. The first XXXX times, I was requested to unfreeze XXXX. I did so, and was told the credit was frozen. On XX/XX/2022 Citi told me to unlock XXXX which I unlocked for XXXX weeks. I again received a denial because my credit was locked and needed to unlock XXXX. I called on XX/XX/2022 and spoke with XXXX with Citi. She requested I unfreeze my credit with XXXX. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with XXXX and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with Citi. I verified on the XXXX site that my credit was unfrozen. XXXX is unreachable.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Been a client for years and closed my bank account. Setup autopay under the new bank account and Synchrony still lost my payments. They charged me for late fees and closed the account despite my perfect payment history for years.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My captial one credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Collection Systems, Inc.
State: PA

Complaint narrative:
The collection agency under national credit management put a collection on my credit account 3 years later that I did not know about because it should have been a debt under my student loans. This collection is really hurting my score that I worked hard on for years. I called them and they told me it didnt report because of covid was in place but other things reported on my report and I was fixing my report at the time so I kept an eye on it everyday. It should have been reported in 2019 which was way before Covid so that is not an excuse. This debt is {$3500.00}. If I would have known it was going to report on my report more recently I would have stopped it and made arrangements with the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Greetings, I have a barclay credit card and this is the second time I paid my credit card, the payment cleared my bank, but Barclay held my payment and did not clear it from their system. The first time, I made a payment last month and although the amount cleared my bank, they refused to clear it from their system until 20 days later! I told the representative that that was extortion. The representative requested to verify with my bank, I called my bank and they confirmed the transaction happened days prior. Today, I checked my account and realized the payment cleared my bank again yesterday, but on barclay they still withheld the payment from clearing my debt! I paid the amount of {$1700.00} and went on my app and still showed the amount has not cleared my account. I took the liberty of exposing photographs of the transaction in my bank app and the barclay app for evidence. I warned them that if it happened again, that I would report them! Please help me! Every customer should not be treated 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 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/1995 XXXX Discover Bank XXXX Dear Discover Bank, According to Pursuant 15 usc 1692 I am demanding deletion of this account due to willfully and non negligently noncomplying with the federal law by reporting inaccurate and unverifiable information. 
I would like to view the procedures taken to validate this debt. 
I am also made aware that the CFPB CEO is suing you all due to unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts

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 2022-04-16 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: NJ

Complaint narrative:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
Our taxes on our primary residence got lowered so we got a lump sum check back from the county tax collector. We sent the extra money into the bank to credit our escrow account. But somehow they didn't

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 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, was notified by Shellpoint interior inspection cancelled. I was told by the inspector on XXXX. I had notified my grandchild tested positive for Covid and I also told my XXXX. I said they could come on XX/XX/XXXX. I guess I'm at fault who knows. 

Also told my XXXX about XXXX from my state has sent over to Shellpoint that I was eligible. Still no response on that subject. 

Now I don't know where I stand on the modification. 

So I get responses when I send a complaint to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit report and have found negative items that have not been verified or validated. This is against the law for unverified and unvalidated information to be furnished. Please see attachment for full details.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Okay Id like to give you a little more information on the day of XX/XX/2021 my phone and wallet with my cards and ID was stolen out of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OH XXXX United States that had my pin code to my card in my phone notes and it was used at a place called XXXX XXXX for the amount of {$3400.00} I talked to the security team at the mall and they notified me that they did all they could do and they couldnt file a report because they stole it off camera among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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