vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Convergent Outsourcing Inc and XXXX XXXXXXXX XXXX are trying to collect on a debt which I have had not account with XXXX XXXX for over 14 years The last account with XXXX was 15 years ago and the Statute of Limitation would have expired over a decade ago. 

I have .not procured any credit with XXXX XXXX and I demand that this frivolous activity cease immediately and any attempt to collect on a expired debt is highly damaging to my financial standing and wherewithal. 

I demand an immediate Cease and Desist from the above creditors. The accounts are XXXX and Convergent account # 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 2022-02-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is an update to a complaint XXXX made on XX/XX/XXXX : I found another fraudulent charge on my XXXX bank statement for an additional {$1700.00} on XX/XX/XXXX that was also from the XXXX XXXX and I was charged for this item ( s ) that I did not purchase. This additional charge brings the total of fraudulent withdrawals to {$8200.00}. I have been held responsible for all the charges by Citibank and am trying desperately to recoup my losses They have refused to reimburse me saying it is my responsibility. I have made a police report and I am continuing to try to find a solution to this problem. I have updated a pdf that has all pertinent information about my case so far including the police report and the most recent incursion to my bank account. Citibank has made it very difficult to find any remedy to this and has played hardball with me continuously through this matter. I am only seeking to resolve this and not be held accountable for these charges.

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 2022-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with Equifax on XX/XX/2022 for reporting a XXXX XXXX bankruptcy that is in error. They said that they are verifying their information through XXXX XXXX but I have provided them documents that XXXX XXXX is not reporting a XXXX  XXXX Bankruptcy. Equifax is reporting an account in error and total violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XXXX of 2020, I have been disputing 2 Capital One accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply Capital One with more information in order for them to investigate the account. I am unclear as to why I need to help Capital One investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the XXXX bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I'm sending this complaint the current issues on Credit Report. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX, XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX : {$9700.00}

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 2022-02-14 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I'm sending this complaint the current issues on Credit Report. I am not swayed that Experian has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX XXXX Balance : {$3200.00}

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 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 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 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 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 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 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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
None of your choices applied to this. 
When I make a purchase with my visa or mastercard my money is taken from my account immediately. When I make a return it takes up to 2 weeks for a refund to process. Also, when I make a transfer from my bank account to pay a visa bill issued by my bank, it takes average 5 days to process. These long holds of consumer 's money, whee the visa and mastercard companies are benefit off the interest are not acceptable. I need my money. Sometimes I don't even have enough to buy another item because they are holding my money. If they can take money from my account instantly, they can return it instantly. 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 2022-02-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/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 2022-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXL ( XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX  ) XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I purchased a ticket for a flight to XXXX from Minnesota XXXX. Flight was for XXXX. Due to the omicron surge XXXX XXXX XXXX  I was unable to keep my travel plans. I contacted XXXX immediately and was told my flight was completely nonrefundable despite the extenuating circumstances and literal doctors note. I have contested the charge with my credit card company because I did not receive the service and shouldnt have to pay, and they keep siding with the airline and being unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I successfully refinanced my property with LoanDepot and paid off the outstanding debt owed to XXXX XXXX. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked LoanDepot to place my account in forbearance due to COVID-19 job loss which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. LoanDepot has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as LoanDepot never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX  XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. LoanDepot is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment. 

There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified 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 2022-02-14 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: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2019. I received an offer letter to settle the account with US Bank. on XX/XX/2019, I sent the require payment to satisfied the account in the form of a certified check. Funds were withdraw soon after. The account was never reported as settle and this continue to appear in my credit profile even after multiple attempts to dispute the information with the credit reporting agencies.

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