vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation.

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: OH

Complaint narrative:
First Progress has been charging EXCESSIVE late fees. I owed a balance after closing the card. The entire balance owed itself was from excessive late fees 3 in a row charged for a balance due less than the XXXX dollar fee. Since then an additional 4 late fees and counting have been charged all on an initial late payment of the first late fee.Nobody should owe over XXXX dollars in just fees on a SECURED card that was closed. The company has charged abusive and wildly excessive fees and i demand the debt be wiped clear unless the creditor can prove why thebfess aren't excessive or show recovery costs to justify charging hundreds in fees on a closed secured card in which the principal balance has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This company closed the my checking account because an accident when my yard man cashed a check on that day in XXXX no blocked account or closed account but he cashed the check I thought it would be fine because I was told that I was going to get my Long Term XXXX but that day it never came. So the account end up saying it was over which is weird since they didnt pay it. So here is XXXX XXXX mobile upload a check that I needed cashed they dont have a branch in Texas so I mobile deposited it I got off work early was going to go pay my first months rent for my new house I never saw the amount update. So I called them to ask them and they transferred me to some department to verify the check it went all from there the women ask me question verify the verified phone number so I gave her every number I called all of them was not verified then she transferred me to somewhere else they verified me then he said have the lady from the company call-in answer some questions and verify so she did XXXX times then they said the check was counterfeit and she wasnt calling in from a verified phone number. So I waited for a lil bit then call back found another number and asked was that verified they advised yes called told them to call she called rep transferred her to accounting office was close I called back the next day had someone call the same lady that called 3 times she answered Same questions check was verified. Still didnt unblock my account then they said it was referred for closure the same day I was crying wanting my XXXX dollars and etc. So when they say I went against policy no I did not. Lets fast forward who takes XXXX to 60 days to close an account when it takes XXXX min to open XXXX. But I am a single mom I need every XXXX I need that money for upcoming rent and to get a car and pay some bills, get meds its like XXXX total I can not wait for them to give me my money thats rightfully mine that they are torturing me with when they are the ones you are closing my account. I am not waiting till the end of XXXX better not even the end XXXX to get my money. They need to close this account by the 30 day mark which is XX/XX/2023 which is also a couple days after the 30 days.Because has got to be illegal. And even if it takes you longer to close this account then just give me my money I have to have it by XX/XX/XXXX my son is already afraid of being Homeless again and without a car and at this point its on you so, I would really appreciate if you all could expedite the review of my account and close this expeditiously so I can get my money that I need quickly. Thanks

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my Fifth Third credit card. Fifth Third erroneously reported this balance owed to XXXX. Fifth Third also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX XXXX. Fifth Third also failed to apply for payments from a secondary third credit card I had paid off to the Fifth Third credit card account in question ending in XXXX. Fifth Third instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. Fifth Third utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The Fifth Third statements were demanding that payments be forwarded on the XXXX day of each month while Fifth Third emails demanded payments to be made on the XXXX of each month, and Fifth Third failed to thoroughly and professionally investigate my complaints regarding this disparity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: VA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX  XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2023-10-12 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: FL

Complaint narrative:
I filed a 1099c and this account has been settled please update balance to paid in full

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 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX i that s the original dispute number was reported back in XXXX of XXXX  when the account was discovered. 

Loan opened Fraud. Incorrect information is being reported on my credit report. I Live at XXXX XXXX XXXX XXXX Fl. XXXX. I now have a Loan under KIA Finance America with no car that I am actually in [ possession of and its Fraud.

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 2023-10-12 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: TX

Complaint narrative:
XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-10-12 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: TX

Complaint narrative:
XXXX XXXX Account number XXXX, Date opened XX/XX/2023, XXXXXXXX XXXX  XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
Date of service, XX/XX/XXXX ( XXXX  XXXX XXXX ) invoice attached. 

First notice of outstanding debt XX/XX/XXXX ( Coast to Coast Financial Solutions ) copy attached. 

Call to creditor and collection agency XX/XX/XXXX, to explain I was unaware of any such debt and questioned if the bill had been submitted to XXXX XXXX XXXX XXXX for payment and learned it had not been presented. Approximately two years thereafter XXXX XXXXXXXX XXXX submits to Coast to Coast for collection instead of billing the insurance. 

Since the date of service XX/XX/XXXX, I changed to a different insurance provider. 
When I contacted XXXX XXXX XXXX  and or XXXX XXXX XXXX in XXXX, it was confirmed that the bill had not been submitted and there was no knowledge of the same. 

Essentially, XXXX XXXX  was never billed by XXXX XXXXXXXX XXXX and I was never provided with an form of notification until XX/XX/XXXX by Coast to Coast debt collections. 

I have requested that Coast to Coast not continue to call, mail and threaten me with negative credit reporting and instead have their client bill the insurance as they should have originally for payment. 

In my desperate attempts to have Coast to Coast stop their collection tactics, I delivered a written request for them to " Cease and Desist " from any further action against me ... ... ... ... ... ... ... ... they refused and sent communication the very next day.

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 2023-10-12 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I attempted to close my Citi card on XXXX. At that time there was a late fee and an annual fee charged to my account. I spoke to no less than 5 representatives, and in each instance I had to explain my issue and verify myself. I finally got to someone who was able to assist. She told me at that point she could close out my card and refund the late fee, but that the annual fee would need to go to be reviewed. I never received any type of communication regarding the annual fee until I started to get collection calls on my account again. 

I called Citi card back again the last few days of XXXX, spoke to no less than five representatives again, verified and explained the issue to each of these individuals and was told that they denied the refund of the fee. I again asked to speak to someone who had authority to refund the fee. I was transferred again, at this point the women told me she would refund the annual fee and the interest and it would be reflected on XX/XX/30 as a XXXX balance. 

I again began receiving collection calls this week. So today, I answered when they called, was transferred twice, verified twice and explained the situation. I was told that my only options were to pay the fee since they can only refund the annual fee within 37 days of it being charged and it was 49 days when I originally called on XXXX. I asked to speak with a manager and was transferred to a gentleman in Arizona who told me that he could only refund the interest charge, but I would need to pay the annual fee. I asked to speak to a manager and I was told that no one was going to be able to refund the fee for me. 

I comepletly understand rules, however we are talking about 12 days, there hasnt been any charges on the account in over 6 months and I did not use any benefits of the card in those 49 days. 

I am hoping that this complaint can try to get my request in front of someone who can assist.

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 2023-10-12 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Working to resolve and pay my bill but going through financial hardships now and company will not assist me.

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 2023-10-12 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
They spam call me non stop in spurts, making my phone unusable. I do not owe them anything and am not giving them more information to harass me with. Its been going on for years. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX -- -- these calls on XX/XX/XXXX made me miss important other calls XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief