vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX 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 2023-04-27 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: KY

Complaint narrative:
I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and experian for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITY NATIONAL BANK
State: NV

Complaint narrative:
XXXX XXXX XXXX filed a Fraudulent Check Affidavit regarding two checks that were issued to a XXXX XXXX, XXXX. The checks specifically stated the company name & XXXX different banks cashed the checks to a personal account. XXXX XXXX XXXX  filed Filed a " Fraudulent Check Affidavit along with XXXX XXXX, XXXX but the banks, who cashed the checks, have not paid City National Bank the funds that they cashed to an individual. It's certainly the bank that cashed the checks issue. The bank should not allow an individual to cash a check that was clearly made out to a company. It has been over 4 months and the only answer I get is we haven't got an answer from the XXXX banks that cashed the checks. I believe the one Bank is XXXX XXXX XXXXXXXX. How long is a reasonable time frame for the bank to return our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. System, INC. has used illegal and immoral practices to attempt to collect questionable debt from me. I.C System has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to I. C System. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.

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 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Im trying to buy a house and purchase a new car, And this is causing deformation to my character and livelihood, Its holding me back from reestablishing myself, This account is more than XXXX or XXXX years old and there still reporting late payments and innacuarate amount, debt has been sold or closed but is still reporting to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NY

Complaint narrative:
This is my complaint to Equifax for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/XXXX  and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
-there is no information regarding what the liquidated damages are. There are no statements within their lease agreement stating that I would be charged liquidated damages the equivalent of 2 months rent for any reason. 

-I am being charged a 10 % late fee on a full rent. I need to be charged based on prorated amount ( 12 days ). I did ask them how to pay the prorated amount as they only allowed the full payment of $ XXXX. 

-I am being charged a month to month fee, even though I gave notice and informed manager via telephone of my vacancy for XX/XX/XXXX ( call log of XXXX minute conversation proof was add in previous email ) -the dates for these move out charges show XX/XX/XXXX and XX/XX/XXXX. I contacted crestmont requesting final move our charges on XX/XX/XXXX. XXXX failed to give me requested items within the legally required time frame for the state of Georgia. 
Appropriate contact methods were given to lessor. The lease agreement shows that email is an appropriate contact method. My email has been provided to them at the start of the lease. 

I asked for proof and explanation of liquidated damages they responded by subtracting XXXX from the liquidated amount. But still did not explain what the charge was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Called TIAAXXXX XXXX to make a payment to satisfy delinquency. The XXXX rep ( s ) informed me that I needed to speak with the attorney since my mortgage is now on foreclosure status. I was given the number XXXX, XXXX XXXX XXXX. was the attorney. I left numerous voicemails and not able to get a hold of anyone. I have been calling and leaving voicemails since XXXX this morning and have not heard back from anyone. Finally at around XXXX I am able to get a hold of someone by the name of XXXX XXXX . Instead of taking my payment for the settlement of {$7700.00} which is whats printed on my bank statement he informs me he has to reach out to the bank and it can take a week to get the settlement payment amount. I am ready to pay now and feel like this is a tactic to get more money out of me or to make it more difficult to get out of the situation I am Im. I have not been served a summons or any documentation from TIAA, XXXX, or XXXX and XXXX XXXX, in regards to the status of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
Equifax XXXX XXXX are keeping unauthorized inquires from the following companies on my credit report, XXXX has removed all inquires in question. 

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES Inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry made on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the company ( s ) listed above. To my knowledge, I have not signed any documents authorizing the company ( s ) in question to view my credit report. The listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX had filed a lawsuit with the XXXX XXXX XXXX on behalf of Goldman Sachs Bank. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. I am requesting the CFPB conduct a full investigation against Goldman Sachs Bank and assess fines for their unfair and illegal debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of XXXX XXXX, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and XXXX Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If Goldman Sachs Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should Goldman Sachs Bank and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: KY

Complaint narrative:
I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX  # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :

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 2023-04-27 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: KY

Complaint narrative:
I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus equifax, XXXX and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
There is a hard inquiry on my report from Capital One where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: SC

Complaint narrative:
There is a hard inquiry on my report from XXXX XXXX where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid {$7500.00} for dental work XXXX with my Carecredit card and was given XXXX  years deffered interest. I was told as long as I paid my monthly payments I would be able to avoid the interest. I was under the impresion that my monthly payments would automatically go towards my deffered interest purchses to avoid interest. I feel like the company purposefully put my payments toward non deffered purchases so they could charge me the interest for my deferred ones. The interest they charged was {$4700.00} and my account is now overdrawn by {$3100.00}. I called to ask why my payments were not going toward my deffered purchases and was informed I would have had to call and specifically ask for that, which is sketchy. I aksed if there was anything I could do and was informed that if I paid the remaining balance of {$5900.00} by XX/XX/XXXX they would remove that {$4700.00} interest charge, however this is not possible. I called back again and asked if any of my previous payments could go towards this purchase and was informed only one could because it had to be within the last 60 days. Which only brought it down to {$5700.00}. I find it extremely unfair that I was not notified my payments would not go towards this deferred purchase. In fact, I was told by the dental office that as long as I made my monthly payments I would be in the clear.

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