vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts 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 2021-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX I made a call to Citizens Bank XXXX During that call I voiced my concerns about a ATM transaction. During the call me and the rep shared a back and fourth until I realized hey enough is enough and let the call go. The rep who goes by the name of XXXX deactivated my debit card so it would not be able to be used at all. During the course of the day I had a family emergency when I realized he did something to my account and without my authorization. I called and a rep reactivated the card and apologized many times for the reps actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
The alleged debt derives from an apartment lease agreement I allegedly entered into with the property management listed in the attached documentation. After I formally requested validation of the debt from said company, they produced a copy of a rental agreement that contains signatures that do not belong to myself or my wife. Moreover, at no point during the period listed in the produced debt validation documentation I occupied the rental unit described in the agreement since I have resided at the same address for the past 10 years. Even if such debt truly existed, I was only made aware of such debt only after checking my credit report on or about XX/XX/2021 ( 7 months after the end of the alleged rental agreement ). 
There was never any attempt made to collect the alleged balance by the property management until I was contacted by the debt collection agency in XX/XX/2021. 
On XX/XX/2021 an e-mail was sent to the property manager requesting further detailed information about the debt. The property manager did not respond to any of my inquiries contained in the e-mail and demanded payment of the alleged balance of {$530.00}. 
In XX/XX/2021, I visited the property management 's office in an attempt to resolve the issue and was told to contact the property manager via phone. I placed 3 separate phone calls in XX/XX/2021 to the phone number provided by the property management 's office without any success. I left voice messages in all 3 occasions that were not returned.

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 2021-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My XXXX XXXXXXXX XXXX was hit and totaled by a XXXX XXXX insured individual on XXXX XXXX. 
( XXXX ) It took 3 months to get anyone at KiA to give XXXX XXXX the information they needed to payoff the vehicle. 
The sent a Payment of over {$26000.00}, the actual payoff was only a little more than {$22000.00}. I was charged for 2 more months after the accident as well as they received {$4000.00} more that they payoff amount.

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 2021-12-22 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1.DEPT OF XXXX XXXX Amount : XXXX 2.DEPT OF XXXX XXXX Amount : {$5600.00} 3.DEPT OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is XXXX stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: GA

Complaint narrative:
YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON XXXX, XXXX AND TRANSUNION I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX  # XXXX AMOUNT {$6100.00} AND XXXX XXXX {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016

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 2021-12-22 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: GA

Complaint narrative:
YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON EQUIFAX, XXXX AND XXXX I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX # XXXX AMOUNT {$6100.00} AND XXXX XXXX {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation
State: AR

Complaint narrative:
HI, An unknown personal loan was added to my credit report which was never taken by me and opened fraudulently. The company Regional Finance which claimed that I have taken the loan hasn't helped in fixing in the issue but was rather more focused on collecting the debt amount of {$1500.00} which I have not taken and the interest has been charged every month. This has greatly affected my credit score and shows at charged off on one of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I received a packet in the mail today from Klima, Peter 's, and Daly firm regarding a debt I have no knowledge about. The packet included what appeared to be a fake warrant in debt lawsuit attached. The documents state the original creditor is XXXX XXXX XXXX, and amount owed is XXXX. This debt is not on my credit report. I contacted all 3 credit bureaus, and was advised unable to locate the debt in my file. I am requesting a ceast and desist from the Kilma, Peter 's, and Daly firm. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I wrote Equifax disputing an unverified/inaccurate account on my credit profile which they verified as accurate on XX/XX/2021. I attached a copy of XXXX reporting the same inaccurate/unverified account which they deleted. On XX/XX/2021, I wrote a dispute letter to Equifax to show me proof of verification of the inaccurate account. To this day I haven't received anything from Equifax. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. At this point I feel like I'm being joked around with and being taken advantage of. I have been trying to get this inaccurate account off my credit report for 7 months in counting! This account must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help

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 2021-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Received a hair treatment Olaplex and Flat Iron on XX/XX/XXXX. However, the stylist used a wax which made my hair turn stiff as opposed to flow with body and volume. I called the next day on a Monday to inquire about this issue. I was informed the person whom was available to do my hair was leaving within two hours. I was unable to make it there within that time frame. Shortly after this I had symptoms of XXXX and quarantined myself for several days. Yes, I experienced other life issues which detained me. I went to the store XXXX and spoke with XXXX the general store manager to explain the above. Meanwhile, the next day the salon manager explained to me the stylist that did my hair is no longer with company and unable to redo The salon manageXXXX explained to me that their employees do not work without a commission, and I would need to pay for the new stylist. My response Is it my fault the stylist is no longer there. I said this will not work. I wanted to speak with XXXX but, I realized it would be redundant as I spoke with her initially. The salon manager hung up without saying bye. From the conversation it was evident she was not interested So if I will need to pay for the new stylist to correct my error. I need to have my previous service refunded because of the error in the result of my hair. The error was verified via the stylist and it was to be redone initially the next day but I could not make it there within the two hours given. With COVID guidelines I want to make sure that I am not passing on any symptoms and possibly virus to the public and I was in quarantine. It does not seem fair that I was not able to make it there accordingly and now I need to pay for a new stylist due to an error by your employee and I am being accountable for the redo at my own expense regardless to the fact my hair was UNSATISFACTORY

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Per the attached credit report, XXXX XXXX XXXX is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, XXXX never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
I am submitting an official complaint in hopes of having paid collections account deleted from my credit report. 
Mistakes I made in my youth have led to me having over {$9000.00} in collections. Over the past years, I have learned a lot and made several life changing decisions. However, in order to rent a new space. Every landlord checks the credit reports and it is truly harming my future goals of finding a better place to rent. 
I made several financial sacrifices to settle all the accounts that were in collections and used all my savings. All other companies were kind enough to compromise or give me additional options for deletion eligibility. 
I truly hope this complaint submission can help me delete the other paid collection account from the credit report. Please help me improve my credit score and repair past mistakes from my youth. I was unable to get additional help from the representative that I spoke to on the call and no other form of deletion eligibility. I was only able to make the settlement payment. 

Proof of payment to National Credit XXXX, XXXX XXXX, on XX/XX/2021 for {$1100.00} has been attached to this complaint. 

My contact information : XXXX XXXX XXXX XXXX XXXX Floor XXXX, NY XXXX Company Information : NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX my cash app account started having fraudulent activity. I attempted to transfer {$1800.00} to my bank via deposit through cash app. I had never had any troubles with this app. The transaction said " instantly deposited. '' I was charged an " instant fee '' of {$27.00} for making the transaction. However, my bank has confirmed no money was ever deposited from this transaction. My account also had withdrawals of several transactions of {$250.00}, {$250.00}, {$250.00}, {$250.00} {$250.00} totaling XXXX. That total plus the instant deposit cash of {$1800.00} totals {$3100.00} dollars that were unfairly hacked from my account. 

*cashapp is the company to seek reimbursement from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-22 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.

Company response to consumer: Closed with explanation