vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: Chester County Auto Finance Inc
State: PA

Complaint narrative:
In XXXX of 2020 I initiated a dispute with XXXX on my installment account with Chester County Auto Finance and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost XXXX points at the time and lose credit history and payments. I reached out to the creditor Chester County Auto Finance and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to XXXX. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over XXXX on time installment payments after the dispute including very large payments to pay the loan off early. The XXXX on time payments over XXXX years on a $ XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc
State: PA

Complaint narrative:
They charged me for services after misleading advertisement about services and I was not able to speak to anyone so far This has been very difficult dispute and they charged my for services I DID NOT use They should refund my money and be shut down or at least change how they market services Again THEY HAVE MISLEADING ADVERTISEMENTS AND LEAD PEOPLE LIKE ME TO BELIEVE THEY OFFER SERVICES WHICH THEY DO NOT I was charged XXXX which I would like returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: NC

Complaint narrative:
I have inaccurate information on my credit report that Experian, XXXX, and XXXX are continuing to report even after individual disputes have been submitted to each company. I had an exceptional credit score of XXXX before this fraudulent amount showed up on my credit report in XX/XX/XXXX. I have never once missed a rent payment and always pay rent on the first of every month because I have all of my bills set on automatic payments. I also have proof in the form of my XXXX checking account payment confirmations of all of my rent payments during the last year of my lease at an apartment building I lived in for four years ( XX/XX/XXXX {$630.00} and XX/XX/XXXX {$420.00} were paid via cashiers check, as required by property management company, so I dont have those email payment confirmations. ) I contacted my prior apartment complex several times and they weren't able to find any delinquencies, and I sent certified letters to the collection agency from the information in my credit report with no response. For anyone renting in XXXXXXXX XXXX, beware of these large apartment management companies -- sending me to collections for a debt that doesn't exist six months after moving to a new state is predatory and appalling. See attached documents showing recurring payments for this lease term : XX/XX/XXXX to XX/XX/XXXX. Certified mail letter sent to collections company on XX/XX/XXXX but no response from company, receipts also attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: NJ

Complaint narrative:
Public records information was never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau and XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted. You needs to provide me with copies Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 15 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You went past that 15 days. It is required by law to give me full disclosure of information and description on the procedure. I wasn't given any proof. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX # XXXX Please see prior case number. Citi agreed that the charges are fraud but never reimbursed me. 
I have been charged three times and reimbursed either once or twice ( two transaction numbers but both for XX/XX/23 on different statements. 

Charged {$2000.00} on XX/XX/23 Charged {$2000.00} on XX/XX/23 Reimbursed {$2000.00} on XX/XX/23 ( XXXX - XXXX statement reference ID ) Charged {$2000.00} on XX/XX/23 It is possible that I was reimbursed twice on XX/XX/23 as I have a line on my XXXX statement and my XXXX statement with different transaction IDs ( XXXX is the reference for XXXX ). However, I can not get a view where I can see both together so it may be a duplicate. Regardless, I am still waiting for at least one reimbursement.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank uses its bill-payment system to defraud customers. 
On several occasions, I have requested payment for a mortgage account to be made from my checking account through Chase 's automated payment system.

In all cases, Chase immediately takes the requested sum of money, {$4000.00}, {$3500.00}, etc., out of my bank account -- but the mortgage company is never paid. 
Chase always has a very stupid excuse for this non-payment happening, even though they immediately take possession of my money. 
On top of this, I have been charged late fees of {$160.00} by my mortgage company for non-payment by Chase.

This has happened three times now, and as of today, a mortgage check that was supposed to be paid by XX/XX/23, yesterday, has not been paid, even though my funds we taken on XX/XX/23. 
I believe Chase Bank is committing customer and banking fraud under the guise of ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX did not credit my XXXX direct deposit for social security and XXXX to my account on the correct days. Since sending a copy of XX/XX/2021 prior to this complaint. I highlighted the date of XX/XX/2021 It now reflects credit dated XX/XX/2021. Proving there has been changes to my past records. In 2021 my social security differs from the Government disbursement dates. These dates are according to there statements listed today on line. 

LIST AS FOLLOWS. YEAR 2021. 

XX/XX/2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. 
XX/XX/2021. 
These are reflected as current dates my Social security was credited to my account. These were not the days I received my check according to Social security Disability. 

I know these dates are not true because I rely on my social security every month to pay bills. I would have not have waited until the middle of the month. My account has been compromised incomplete statement dates, changing of credits and amounts, entire days removed from my checking account. Payments from XX/XX/2021 that was transferred from my checking to my savings account was posted as a payment to my mortgage account. I transferred XXXX to save toward the total balance that was paid off in XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: IA

Complaint narrative:
The XXXX XXXX XXXX XXXX and TransUnion consumer reporting agency are violating at least two of the clauses of 15 U.S.C regarding the reporting of a charge off as debt and as an open account. XXXX XXXX continues to furnish this account information as debt when they clearly charged this account off and it's not only canceled debt but pursuant to the IRS its now considered income of which I have to pay taxes on. as Transunion and XXXX is very much aware income can not be furnished on anyone 's consumer report 15 U.S.C1681 2 ( a ) ( i ) they have claimed tax credit and is still furnishing on my consumer report as debt Secondly it is being reported as an open account. this violates 15 U.S.C 1681 e.b recently i had an identity theft issue and Transunion checked all accounts but came back as verified and accurate on this issue when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: OH

Complaint narrative:
This account was opened fraudulently without my knowledge and I would like this fraudulent information removed. Account was opened XX/XX/2022 and closed on XX/XX/XXXX, XXXX Credit limit approved for {$700.00} and {$550.00} was used of this approved limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 at approximately XXXX on Monday morning I called Experian to clean up my credit report and noticed their was addresses on my credit report where I had never lived in my life, I have been in XXXX XXXX for 35 years, Well some of the addresses they removed but their is still this XXXXXXXX XXXX XXXXXXXX XXXX. Which the agent just refused to delete because he's in charge and that I was having my mail sent there, Now what sense does that make, Experian had me living in XXXX XXXX also, I had to argue about that, they had me living at XXXX XXXX in XXXX, please help me, This company Experian is sabotaging my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: IL

Complaint narrative:
I notified XXXX XXXX and XXXX and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting. 
( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
On a date im not too sure about, i signed up for bright money which was advertised as a free service. I linked my bank account in order to get my credit score reviewed and hopefully improved. On XX/XX/2023 I received an unauthorized amount of {$60.00} charged to my account via XXXX. I never accepted this charge, never wanted it, and never authorized it. This is a fraudulent company with many complains online and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 360 failed to mail a new debit card to Account # XXXX XXXX XXXX XXXX XX/XX/XXXX nor respond to honorable XXXX Complaint Report XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX. 

Capital Ones legal representation called XXXX XXXX, XX/XX/XXXX at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I request the CFPB order provisional payment over {$50000.00} for their negligence to prevent XXXX XXXX XXXX from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
was charged a late fee for payment due on XX/XX/2023 which lands on a Sunday. I promptly paid my balance on XX/XX/2023 on Monday. i reached out by chat to American express and they said they would not reverse the XXXX late fee. but i think its unfair practice to charge late fee on a Sunday. a day that is considered religious for some people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: NJ

Complaint narrative:
Public records information was never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Credit Bureau and Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted. You needs to provide me with copies Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 15 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You went past that 15 days. It is required by law to give me full disclosure of information and description on the procedure. I wasn't given any proof. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2023-08-08 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: GA

Complaint narrative:
I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. The discrepancy arises from the differing last active dates reported by XXXX and Equifax, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that XXXX has listed the last active date as XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.

Company response to consumer: Closed with non-monetary relief