vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
To whom it may concern, I am writing to file an official complaint against XXXX and EXPERIAN for providing false payment history on my credit report. I had an account with XXXX beginning in XXXX, I experienced a hardship between XX/XX/XXXX and XX/XX/XXXX in which I was late on my payments. I was able to pay off the account completely to XXXX in XX/XX/XXXX. 

Now comes XX/XX/XXXX, I am purchasing a vehicle and EXPERIAN was the only credit agency reporting this account as charged off. This affected the payments and the interest of the car I decided to purchase. I was under the impression for months that I was in good standing with my credit by looking at it consistently through XXXX and XXXX and a charge off is suddenly showing on EXPERIAN from a credit card I had paid off in XXXX. 

Although there were some late payments, the account should not be marked as a charge off because the debt was collected. It is showing on my report that there is 26 negative months on this account and thats false. I tried to dispute this twice and they are claiming that the information is correct. I called XXXX and they confirmed the account was paid off, I have a bank statement from XX/XX/XXXX with the payment made to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposit a check for {$330.00} from my employer via mobile bank deposit using the Citi bank app. The next day my account was locked and I had no access to my bank via the app. I contacted Citi and was told it was because of the check I deposited. The needed to verify it. My boss and owner of the company who gave me the check called Citi and verified the check was correct. I talked to Citi bank and the verified the check and the check had cleared yet they still prevented me access to my account and my money. The stopped me from accessing my paycheck and all money in my bank account. I have not been given a reason why after the check was verified and cleared that I am still unable to access my money and accounts. This has cause me to be late on payments and have no money for food and gas for work.

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 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Recieved in mail XX/XX/2024. Debt collector " Midland Credit Management " Original Creditor " XXXX XXXX XXXX XXXX XXXXXXXX '' Balance due XXXX XXXX I called and made a fraud claim, card was issued in another state. The bank and the state the card was issued to are no where near where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After the promo 0 % rate ended in XXXX on a balance transfer, I received a statement showing a rate of nearly 25 %. The account was current at that time and I had never missed a payment. I filed a dispute by letter dated XXXX XXXX XXXX regarding the interest rate and referring to the disclosure requirement in the truth in lending act. I withheld the interest charge but paid the undisputed amount going to principal. No response had been received so I have sent in two more letters to their dispute department at the po box BMO shows on their bills. No response has ever been received. I am getting collection calls, letters and emails from BMO in violation of Regulation Z promulgated by the CFPB to implement the Truth In Lending Act. 
Today I called the number shown on a BMO email regarding the card which connected me to a customer service agent in the collection department. She was unaware of my dispute and after two lengthy holds advised me to contact BMO 's fraud line XXXX. From my experience BMO is a XXXXbased bank which is total non-compliance with United States law and regulations.

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 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2024-02-10 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove all fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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

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 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I had my tax return forfeited to the city/state incorrectly for a home I previously resided in but did not own.I did not reside or work in the state or city at the time of requested debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair 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 reports relates. These accounts : XXXX - # XXXX, XXXX XXXX - # XXXX, XXXX - # XXXX, are not accurate or complete. 

Also, according to 15 USC 1681s-2, a persona hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check attachments below.

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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
called the company on XX/XX/2024 to pay the debt, was advised that they would collect the funds and provide the payment information to the clerk of courts with 10 days to clear the now paid debt refused to provide receipt for payment or any proof that the transaction had been accomplished. 

After providinmg the payment information on XX/XX/2024 I was advised that they would not process the payment until the following Monday, further delaying the resolution to the matter at hand. 

Because of their delay, my drivers license remains suspended and I am in jeapordy of losing my employment as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
On XX/XX/ I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX Arizona, due to an extremely bad experience, XXXX, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.

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 2024-02-09 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: GA

Complaint narrative:
On XXXX I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX Arizona, due to an extremely bad experience, XXXX, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello, I just got something in the mail saying I owe XXXX $ to XXXX I havent had a phone with them since XXXX years ago. I had line with them but on one phone that was on a promotion and a line for a XXXX. Im am very confused with how I owe XXXX $ when both the XXXX and XXXX were paid off and the only thing I was paying for were lines. I asked the customer support people before I canceled the line on my account and I guess they shut down my account? Im not sure what happened and when I asked if I owed anything they said no everything is paid off and I should have my last bill paid at the end of XXXX. Which was about XXXX XXXX Now Im seeing I owe {$900.00} to a debt collector company? This is insane because the only reason I canceled the line was because I no longer owe anything to that company or else I wouldve just stayed paying the debt i owed. Please lead me the right way or if theres anyone that can help me with any of this. The XXXX account number that shows here is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-02-10 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: NV

Complaint narrative:
Fraudulent activity on my credit report. Please remove these XXXX items from XXXX XXXX XXXX. thank 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