vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you,

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 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Tried several times to make a payment even called the mortgage company which stated they had issues processing payment via online and over the phone, was told several times a supervisor would be contacting me which never happened, I now have a 30 day late payment on my credit file for what was the mortgage companies fault.

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Concerned, On or about XX/XX/XXXX I received a letter with a check from Bank of America, explaining I had been overcharged one or more fees & interest by mistake. They apologized & were sending me a refund in the amount of {$980.00}. I received the check, which was in the business name, that was closed in XXXX. I took the check to Band of America, who wouldn't cash the check for the fact that the business was closed. I couldn't cash it at my present bank for it wasn't in my name! I phoned Bank of America XX/XX/XXXX, they needed me to fill out a form to change the business name, XXXX XXXX on the check to my name, XXXX XXXX XXXX. I haven't received this form yet! I've phoned twice! The date of my last phone call was XX/XX/XXXX, they continue to tell me the form is on the way! I don't understand why it has to take two months to change the name on the form. How long will it take to receive the amended check! 

Thank you 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 monetary relief
Consumer complaint received 2023-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: NC

Complaint narrative:
TransUnion keeps reporting that I have a balance with XXXX XXXX. I have paid XXXX XXXX XXXX off. Last week I opened a dispute. yesterday my score went up to XXXX, today it fell back down to XXXX. Everyday Transunion keeps reporting different amounts for this company. It also appears they are disorganized and multiple people are tampering with my account. XXXX XXXX phone # is XXXX. They can verify I am paid in full with a credit on my acct. Transunion is always reporting everyday which the other 2 reporting agencies does not do this. It is only every 30 days, I am very irritated with TransUnion.

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 2023-03-14 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: FL

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXXXXXX XXXX to be removed XXXX XXXX XXXX XXXXXXXX XXXX these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. XXXX, Transunion and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.

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 2023-03-14 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: FL

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXXXXXX XXXXl to be removed XXXX XXXX XXXX XXXXXXXX XXXXXXXX these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. XXXX, XXXX and equifax are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
I am disputing three credit card accounts that have been listed on my credit report by Equifax without my authorization or involvement. I have never opened or used any accounts with these institutions and have not authorized any third parties to open such accounts on my behalf. Therefore, I am requesting that Equifax validate these accounts, including the name and contact information of the original creditor, the date of last activity, and the amount of alleged debt. 

I have sent a XXXX dispute letter to Equifax requesting the validation of these accounts, and if they fail to provide the requested information or remove these items from my credit report, I plan to pursue legal action against the company for violating the Fair Credit Reporting Act and causing damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
hello my name XXXX XXXX and i been disputing midland funding account number XXXX balance XXXX I dont have a contract with this money and i dont owe this company any money i request midland to delete this account from my credit report. 

please delete this account off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
See 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 non-monetary relief
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.

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 2023-03-14 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX  ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
Tried disputing in XX/XX/2022, XXXX, and XXXX XXXX every dispute was sent back verified even after request all documentation with my original signature but has yet to receive. This company has double reported for over a year damaging my credit as you can see enclosed Peoples are double reporting the same account with 2 different account numbers saying one is paid in full, and one is charged off. Report dates and open dates as well as amount is in accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My Wayfair Citibank had a charge of {$69.00} on the credit card from XX/XX/XXXX, and I contacted the credit card company on XX/XX/XXXX to dispute the charge. The fraud department cancelled the card and sent me a replacement card. However, they didn't reverse the charge for the investigation period. 
I continued to receive calls for the collection of the amount stated above. I explained to the customer service the situation that the charge was fraudulent and that the card was closed and reissued. The CS would try to put me in touch with the dispute department and it was either closed for the day or the call would accidentally be disconnected. 
This occurred several times. At some point, I requested that they stop calling me for this past due amount, however without fail, they continued to contact me as if no previous conversations had been documented in their system. A fresh conversation every time! 
I received a letter dated XX/XX/XXXX ( copy attached ) from Citi Cards, that indicated they would not be contacting me for this past due amount. However they continued to call me to collect the amount outstanding, including the late fees and interest. 
I received another letter dated, XX/XX/XXXX ( copy attached ) stating the account was past due and to make a payment. In addition to the letter, I received daily calls and some emails to collect the balance and to rate their service... 
On XX/XX/XXXX I had another conversation with CS who was contacting me for collections of this past due amount. I filed another dispute online, due to the Dispute department being closed for the day. 
Today, I received another call requesting payment as if nothing over the past month and half had taken place. The CS rep, XXXX read through the notes and put me in touch with the Disputing department. 
The person I spoke with, XXXX attempted to cancel the replacement card and reissue a new card. I explained to this person that, that had already occurred and she seemed dumbfounded. 
She put me on hold and came back to tell me that they would reverse the charge and late fees today. Unfortunately, I have XXXX confidence and don't believe they will resolve the matter or that they are capable to managing a credit card company. 
I expect I will receive another collection tomorrow, even thought they agreed to not contact me on XX/XX/XXXX. Hence the complaint!

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Last year, a company called XXXX started auto debiting my account once a month for {$140.00}. I have complained about this four times to Truist. Each time a case was opened, I received full or partial repayment, and a new debit card was issued. Today I found a new auto debit from the same company and I was unable to get Truist Fraud Prevention to listen to me. I was cut off from my first phone call and left on hold each time I tried to call back. 

I have never, ever interfaced with XXXX nor have I ever received goods or services from them. I am complaining to you because Truist keeps failing to stop this and now they wont even allow me to talk to them.

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 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I went into a advance America store front and received a payday loan initially and all is paid off I then took out a line of credit of {$1500.00} always paid on time which increased my credit limit up to {$1800.00}. I could not go into store to make full payment of entire balance on XX/XX/2023 as I always have done because of unforeseen personal circumstances and as a result of me not being able to pay on my due date of XX/XX/XXXX I called customer service to see if they could put loan into default to set up an extended payment plan of which their website talks about or even a settlement of some sort. I called spoke to several reps and was told several different things and one in particular that they wait an extra 30 days while tacking on fees the whole time before they put account into default. My credit limit is {$1800.00} with regular interest and fees it usually is {$200.00} on top of that with them keeping this loan open after notification of circumstances they keep loan open an entire extra month, with interest and fees piling up, they expect someone to pay them back {$3000.00} accrued in 30 days on a {$1800.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hello my name is XXXX XXXX i been disputeing XXXX XXXX from my credit report for months i do not owe XXXX XXXX  any money they are also reporting the collection to times on my equifax report. this is against fcra laws. 

delete off my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am writing this complaint as a result of excess charges to my account without disclosure or explanation. 

As of XX/XX/XXXX, my account balance reflects a negative balance of {$91.00}. However, as of XX/XX/XXXX, I had a positive balance XXXX. I decided to make a purchase of {$25.00} and transferred {$21.00} from my savings account to cover this {$25.00}. Please see the screenshot of the account. I had {$470.00} in pending holds, and {$470.00} on my balance resulting in a balance of {$2.00} after my {$25.00} purchase. 

There is no reason why my account should be overdrawn {$91.00} the next day if the Citizens bank provided the proper balance information before, during, and after my purchases. I check my balance regularly to ensure that I have funds to cover my purchases. This seems like an attempt to collect excess overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
Debt collection agency 12 genesis fs Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation