vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I opened an VIO account on XX/XX/XXXX, with a transfer from my XXXX XXXX account. XXXX showed a balance of XXXX, and my XXXX XXXX showed the transfer completed on XX/XX/scrub>XXXX XXXX XXXX, so I used funds in that XXXX XXXX account to transfer to another account at a different bank ; but the next time I logged in to my VIO account it showed a XXXX balance. I called them and asked why and was told the transfer was not yet complete. I explained that my XXXX XXXX was showing it WAS completed on XX/XX/XXXX. I was so annoyed I asked to close the new VIO account and stop the transfer, since, as they said, it had not yet completed. I was told they couldn't do that and it would take 4 or 5 days for the funds to go back. ( Not sure why it takes so much longer to go in the other direction especially given the fact that they said they were not even yet IN the new account, and why they could not just stop it. ) Today is XX/XX/XXXX and I checked and not only does the VIO account NOT show it is closed as I requested, it still has a XXXX balance ... and yet the money is NOT yet back in my XXXX XXXX  account. Where is my money?

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 2024-06-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
I took my daughter to the hospital towards the end of 2022. We did the visit and went back home. The bill was paid in full within weeks. A debt collector Capio Partners has taken me to collections. I disputed. XXXX XXXX seems to go along with Carpio Partners without doing the investigations as claimed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2024-06-12 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: FL

Complaint narrative:
Notice unauthorized hard inquiries on my credit report from XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-12 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: IN

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Roycroft Management
State: NJ

Complaint narrative:
They claimed I owed a debt to XXXX XXXX and XXXX XXXX XXXX they explained apparently a check bounced and I owed XXXX an that if I were willing to work with them they could take XXXX off XXXX my balance would be XXXX to avoid a judgement being filed against when I stated I filed identity theft they said that wasnt true n that it wasnt on my credit that I did so then my husband called and was screaming and yelling at them that it was wrong of them to try an scam me since I deal with extreme XXXX and that he could have potentially put me in a XXXX XXXX had I not known it was fake XXXX a scam my husband even threatened to kill them XXXX is willing to get on a plane to find them

Company response to consumer: Untimely response
Consumer complaint received 2024-06-12 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:
XXXX XXXX XXXX Account XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you

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 2024-06-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I noticed a while back on my credit report from Equifax that I have two exact same accounts reporting on my credit report. I have tried disputing seperately because there is not a way to bundle for duplicate reports.Equifax did not catch it was on my report twice either. I couldn't put into words that I had two exact accounts on my report for XXXX XXXX with the exact info and account number reporting twice. I have uploaded documents from my credit report showing same account number with same data furnished twice side by side below one another. I believe my rights have been neglected and violations of the Fair Credit Reporting Act proven. To dig deeper you can clearly see dates opened XX/XX/XXXX on both profiles, date of last activity XX/XX/XXXX and same credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Information that does not belong to me has been reported by Lexis Nexis data furnishing company. Please see attached copy of my Lexis Nexis report dated XX/XX/2024 pages XXXX to XXXX showing the false information on my report such as wrong name and wrong addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my BMW FIN SVC - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MARINER FINANCE, LLC
State: NM

Complaint narrative:
This account was closed and charged off in XX/XX/XXXX with {$4400.00} written off, the original balance owed was {$3500.00}. Mariner finance has continued to add monthly charges of {$130.00} for interest and late fee per month reporting the new balance of {$7100.00} past due in XXXX of XXXX. I requested a copy of the original contract to verify the contract in the state of New Mexico allows Mariner Finance to continue to add interest and late fee to a charged off account. Mariner Finance has blocked my original online account where I have no access to this information and has declined to provide me with a copy of the original contract showing they are allowed to continue to add interest and late fee to a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my credit report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


ACCOUNTS - open date is not reporting correctly, date last active, date of last payment is not correct, account number is not accurate, and payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IL

Complaint narrative:
I notice that there are some fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I notice that there are some fraudulent inquiries

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the late payment remarks on my credit report. I believe these remarks are inaccurate and request that they be removed.

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 2024-06-12 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: CT

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NE

Complaint narrative:
By checking my credit scores I discovered that Genesis collection agency was attempting to collect. I called them and was told it was for an apartment I rented in XXXX. I made multiple calls getting transferred and cut off. On XX/XX/XXXX of XXXX received information to file a fraud claim which includes a copy of mortgage statement or property tax report, a copy of my driver 's license, a notarized copy of FTC complaint and a copy of a police report to prove I lived somewhere else during the term of the lease. I called and asked for a copy of a signed lease in XXXX and was told they couldn't give it to me because my name wasn't on it. Unable to get that, I was stuck. Genesis had an incorrect street address, email address and phone number. They now have the correct phone number because I called them and a correct email so they could send me fraud forms. I continued to get phone calls and emails regarding the debt and continually asked for mor personal information which I refused to provide. I hired XXXX XXXX to assist in getting this removed and they have been working with XXXX, XXXX and XXXX. Today, XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC dba Genesis with a copy of an unsigned lease with my name on it and a list of charges. I hesitate to give them more personal information - mortgage/tax statement, driver 's license, etc. Also, the FTC doesn't provide a notarized copy of my complaint. I need help with this and am trying every avenue I can think of. Sending a redacted copy of lease they sent showing first page with my name and signature page showing it is not signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Someone used my identity and opened up a XXXX XXXX XXXX credit card. After XXXX investigations. They kept saying I am fully responsible for the balance. The balance is {$660.00}.

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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Some company called XXXX XXXX XXXX who sold something to this collection people that has been harassing me trying to collect a debt. I asked for help and then they sold my stuff now it's new stuff on my credit reporting from people I didn't do business with or never heard of. 

Double accounts, name changes, different dates and balances are all coming from one account but reporting different on reporting agencies that's not cool XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  15USC1692 I request to have these accounts took off my credit and remove all data in your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number-XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you

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 2024-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number-XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
They refused to removed it they claimed that is accurate. First time is some many years and the send it to the 3 credit bureau my late payment ( I explained them that I was sick, I explained them my financial situation and nothing was done. I also paid the late fee. And the saying that those 2 late payments can not be removed. They hace to customer solutions or sympathy for the customers. During Covid they were the only one with no payment plan there was not support to theirs exciting customer. I hope that nobody go through this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO. XXXX

Company response to consumer: Closed with explanation