vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I've contact Barclays Bank Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted Barclays and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact Barclay. 

I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called Barclay again. They still have not updated the balance on my credit report. 

The amount settled was XXXX. Barclays settled for a lesser amount and sent me a 1099 for XXXX. 

When I spoke with Barclays, they were aware the account was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried several times to get XXXX to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from XXXX stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on XXXX. Experian is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. Experian reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXX XXXX and XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. 
They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had my identity stolen somebody used my social security number to obtain credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now 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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now 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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX dealership to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates has failed to verify a debt in a response letter ( letter is attached ). It is alleged that I owe {$650.00} to XXXX XXXX. I don't owe {$650.00} to XXXX XXXX and Portfolio Recovery Associates has failed to verify/prove this claim. They sent some generic " validation '' letter but they didn't verify ANYTHING. They don't have any supporting documents, signatures, etc from XXXX XXXX. They bought a debt for pennies on the dollar from XXXX XXXX and is now attempting to make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX h

as violated my rights. 15 USC 1681 Section ^02 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section ^02 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a Inaccurate information on consumer reports every reporting agency should have correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: NC

Complaint narrative:
I have been in contact with American First Finance regarding my account, which I have requested for them to send me an actual paper statement via USPS and I continue to be denied. I believe that since XX/XX/2021 until recent I have overpaid because I can no longer log into my online account and more importantly I have not received any statements in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My FICO score went from XXXX to XXXX with Experian with no new negatives being reported from Experian or FICO. I contacted both agencies and no one could give me a reason for the drop. 

Also XX/XX/XXXX I filed a dispute Im regards to the number of days an account was reported late and it has yet to be resolved. This is the third time I have disputed this item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. So i request that my account be deleted from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CitiBank randomly shut down my account, and are telling me I have to wait 30-60 days for a check. I literally have no other source of income as this {$1300.00} was my last. I have tried to contact them but they keep putting answering services on the line. I had just used the card an hour prior until all of my transactions were denied with no explanation. I thought it was due to me traveling that my card was flagged, but not fully shut down with no communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
My mother has a very bad XXXX addiction that ruined my life also she is a very good liar. She opened my mail and used my new credit card without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase opened a checking and savings account without my permission and are now charging me {$12.00} per month for it even though I have no interest in the account. 

I have a credit card account with Chase and they keep sending me offers to open a checking account. I never clicked on any of these emails and yet they opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I discovered on my credit report recently an account in my name for {$900.00} at a local hospital that was supposedly placed in collections in XXXX of XXXX. The problem is that I have never received a bill nor even a letter from any collections agency for this mystery bill, nor can anyone from the hospital tell me what the bill is supposedly for or why its showing as derogatory/in collections on my credit report. In fact, in XXXX of XXXX, I suffered an emergency XXXX XXXX in the middle of the night, resulting in an ER visit and many trips to various specialists, labs for blood work and XXXX XXXX, XXXX XXXX, and an XXXX. I have faithfully paid every medical bill that has come to my home since. I have lived at my current residence since XXXX, so letters from the last 4 years and roughly 8 months would come to my current address. Ive been asking, begging even for answers for months now, but as of this morning, XX/XX/XXXX, even the assistant director of patient financial services at the hospital can not tell me where the {$900.00} bill came from or why Im being reported for it. According to every single person in billing/patient accounts/financial services that Ive spoken to at the hospital, all of my accounts are current and being paid on time, which is precisely my own understanding, as Im the one who pays my medical bills and do not fail to do so. I am very protective of my finances and credit. My spouse and I have worked very hard for 8 years to finally buy our first home, and this surprise derogatory on my credit has made what should be a joyful time for us a complete nightmare. We are not able to move on with our lives until this is rectified due to the harm it could cause us financially. Ive paid thousands in copays and bills already to this very hospital, and this billing error needs to finally be fixed. I have emailed everyone I can email, including the acting president and CEO of the hospital, in hopes that someone will finally end this nightmare. XXXX recommended I come here to file a complaint since the collections agency that has this erroneous account is who is contacted for disputes, not the hospital, so of course, they say its all correct. I have all of the many emails saved to a PDF documenting the months Ive spent asking for answers and help resolving this, and I am happy to provide them in addition to the latest communications that Im including with this report. The file is more than XXXX and I could not upload it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Gemini Direct LLC, dba Credit Innovation Group
State: CO

Complaint narrative:
On XX/XX/202XXXX XXXX  withdrew {$120.00} from my checking account they continue to withdraw $ XXXX  monthly they're supposed to be fixing my credit, but have not done so yet! This was supposed to be a rent with the option to buy plans as long as I agreed to work with XXXX  to repair my credit, it's been 6 months they received {$150.00} each month plus I still have not received a home to live in while they continue to take my money. I constantly call, and leave emails and never get any return calls I feel this is a fraud and I am getting ripped off they're supposed to help me get into a home and all they're doing is taking my money!!!

Company response to consumer: Closed with explanation