vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
he company did not validate the debt according to FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337 15 U.S.C 1681s-2. Keep saying debt has been validated by supplier however the suppliers denies that they are validating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts is listed below. 
XXXX XXXX Account # : XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2020

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
to whom it may concern my name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The last XXXX of my SS # XXXX and my XXXX is XXXX. My phone number is XXXX. I am currently writing this complaint because my forever XXXX credit card is not providing me my full benefits this card is supposed to offer. This card is supposed to offer an annual XXXX XXXX off on it anniversary day which mine is in XXXX of when the account is open and {$10.00} off for the coldholder birthday. Which mines is in XXXX. I havent received any of these benefits in the last XXXX  years. I called customer service and asked about it and was advise their rewards system have been down so thats why I havent received these benefits and maybe XXXX received it next year. As a consumer the main reason for having this card is to enjoy the perks and benefits of what the card has to offer and if Im not receiving it what is my reason for using this card when their are thousands of other cards available? I also ask if anything else can be done or Accommodated and they advise me nothing else can be done. I feel like this is very unfair to the consumer because these things are promise as a term and condition of the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XX/XX/XXXX Reason : [ NEED XXXX LATE PAYMENTS REMOVE THIS ACCOUNT SUPOSE TO BE CLOSED. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ 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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To whom this may concern, A deposit was made on XX/XX/2019 of XXXX from account. I never got the money. Wells Fargo sent me a letter that the funds needed to be reviewed before releasing the funds. I did not receive the funds. The letter also states that the funds were available on XX/XX/2019 however the fund never showed up in any of my accounts. 
Please help me resolve this.

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 2022-11-14 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: Monterey Financial Services LLC
State: OH

Complaint narrative:
I don't know how the company got hold of my account and started decreasing my credit score I learnt a lot of people for victims to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
In XX/XX/2022 I made a full car payment, in XX/XX/2022 made weekly payments, in XX/XX/2022 made a full payment for the rest of XXXX and some of XXXX, and now in XXXX my car company is reporting I havent been paying at all they are trying to send me two payments in one month and then charging me extra late fees and reporting to the credit bureau Im not making payments. My car payment is due on the XXXX of every month on the XXXX of the current month they will post the next months bill on the account as well. It was corrected once this year with XXXX because of Covid-19 this time XXXX will not let me dispute it again the information is damaging my credit and is incorrect. My car is fiananced through Santander Consumers and they are now harassing me at work and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I've tried to have this settled but they are persistent on charging me for the full total balance. this was the a lease that I had for a few months I fell behind on payments but the car was repossessed and they got the car back. now they're charging me for the full balance of what the car is worth XXXX but it was at lease. I should not have to pay for what the car is worth when I only agreed to lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts in my report are reported inaccurately. The balance and dates are wrong, accounts still reported when should be gone long ago.

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 2022-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The accounts in my report are reported inaccurately. The balance and dates are wrong, accounts still reported when should be gone long ago.

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 2022-11-14 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-11-14 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-11-14 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-11-14 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:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-11-14 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: NV

Complaint narrative:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: AR

Complaint narrative:
I recieved a summons from a lawyer representing Absolute Resolutions Investments , llc . XXXX. 
The complaint alledges that I owe {$1100.00}. 
I checked my credit report and saw that Absolute Resolutions Investments , llc had already reported this alledged debt to my credit report opened XXXX Under the rules of FDCPA credit report entries do not constitute a form of first communication. 
According to the FDCPA a communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. 
According to the FDCPA before a debt collector can report a debt to a credit reporting company they must notify you about the debt by phone, mail or electronic communication. 
I was never notified of this alledged debt and was never notified of my right to dispute said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I submitted my annual recertification for XXXX in XXXX of this year. The certification is handled by the government at student loan dot gov. This year, they have not submitted the certification to all of my federal student loan service provider and I have been paying twice the amount I should be paying for the past XXXX months. Ive tried to explain to student loan dot gov that I need them to submit the certification to Navient. Instead, they have told me that all Navient loans have been transferred to another service provider call XXXX. This can not be accurate, at least as of this date, because I continue to make payments to Navient and have never been notified by XXXX. Regardless, none of this is my fault and I shouldnt have to sort through the various transfers and processes these companies perform. Moreover, I should be better assisted by the Dept of Education as they have taken the responsibility of notifying my servicers of my application and recertification. Instead, they keep telling me to contact Navient or XXXX to discuss why my payment is too high. Dept of Education ( on this date XXXX ) can not every grasp the issue that I need for them to send my application to Navient. They are relying on bad information and if this is happening to me, you can bet this is happening to others. For whatever reason, Navient has retained my account in their servicer profile and the Dept of Education refuses to believe it. If, perhaps I am going to be serviced by XXXX, that is fine but their presumption is premature and has continued to cause me to pay XXXX per month rather than XXXX. Its an insurmountable amount of money and I have been so confused these last few months that I have even considered taking our a personal loan to pay off other debt since I cant afford to pay my other bills right now. I have had to ask my husband for money to help me pay my bills these past 4 months. This has real life consequences for people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I purchased this vehicle on XX/XX/2019 and still my loan is more than what was financed and have not even started paying the principle on it and I will have the truck for 4 years now and the balance is higher than when I bought it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
Carmart is reporting to my credit report after XXXX of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. carmart is violating my rights XXXX XXXX XXXX XXXX ( d ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, XXXX. Also violating state laws XXXX XXXXXXXX of the XXXX XXXX XXXX prohibits a XXXX-party debt collector or credit bureau XXXX XXXX in debt collection in XXXX unless XXXX XXXX debt collector or credit bureau has obtained XXXX XXXXXXXX XXXX and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX 
THey claim they can not find my account however after they sent the latter they updated my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
XXXX BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT XXXX XXXX CODE XXXX FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( XXXX ) TIMES FROM TRANSUNION CONSUMER REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  ( A CLOSED ACCT ) XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/22, I inadvertently paid {$1800.00} to The Home Depot via my online banking bill pay system. The payment should have gone to XXXX ( my mortgage company ). I discovered my error within days. Since that time, I have spent upwards of 15 hours on the telephone with various Home Depot payment escalations teams, managers, supervisors and also directly with CitiBank ( who services their credit line ).

Because my Home Depot credit card was 'cancelled ' several years ago due to non-use, everyone is struggling to locate my payment. I involved my bank, Associated Bank, who faxed a letter ( at CitiBanks 's request ) to their payment research team at XXXX. They claim they did not get the fax. 

On XX/XX/22, I was told to obtain proof of payment from my bank. I did this. I provided my ( now closed ) account number, the payee routing number and last 4 digits of their account number. I also provided the credit trace number and file trace number to help them locate my payment. This, too, did not help them. 

On XX/XX/22, I filed a formal payment error claim with my bank. 

This is extremely frustrating to not get any help from Home Depot or CitiBank. It has been close to 7 weeks. If they received payment referencing an account number that has been closed for years, I should have received a check in the mail by now ( many people I have talked to at both Home Depot and CitiBank have said this as well ). Nothing!

My CLOSED account number with Home Depot is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Any help you can provide would be greatly appreciated.

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 2022-11-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Unknown Account Name AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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