vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: Paradigm Assets, LLC
State: NY

Complaint narrative:
This was a debt that was originally owed to XXXX XXXX, which was sold to a debt buyer Jhpde finance  1 XXXX back in XXXXThat company filed a lawsuit against me in XXXX and due to a divorce I had to filed a chapter XXXX bankruptcy in XX/XX/XXXX which was discharged in XXXX XXXX debt was included in that bankruptcy. My credit since has been great and has allowed me to rebuild myself. Then on XX/XX/XXXX I received a notification that i had a collection acct negative placed on my credit from Jhpde finance for {$1600.00} from original creditor XXXX XXXX. I checked all my bankruptcy papers to make sure it was included and found a letter " Notice of discontinuing of action '' file no.XXXX  from the same Jhpde  finance  1 llc regarding the same debt. They used attorneys XXXX XXXX XXXX XXXX. I have since contacted Jhpde finance on XX/XX/XXXX and spoke with rep from Jhpde finance  and was advised that she saw that I did in fact file and wasn't sure why was placed now on credit and basically blew me off. I called back weds XX/XX/XXXX and spoke with another rep and was told the same thing and nothing they could do. I tried to dispute it with XXXX  credit bureau, and after their investigation, Jhpde claimed was valid. So this will destroy my credit if this is allowed to stay on it. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have never applied for Apple Card/GS Bank. noticed a debit on my XXXX XXXX account in XXXX. Reported to XXXX  and they closed the account and credited me the {$400.00} debit. Have no account info or dates of charges on the AppleCard as It's not mine. Applying for a mortgage my XXXX  shows a delinquent 90 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: RFNA, LP
State: TN

Complaint narrative:
got a letter from main office Republic Finance in XXXX XXXX LA. told i didn't owe them loan was settled but still shows on my credit report unpaid plus false claims from their XXXX TN office since XXXX going to this date XX/XX/XXXX I think maybe some fraud about me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX Account # : ... XXXX Citibank has not credited all of the payments I have made to the credit card referenced bove. I have been making regular payments to Citi Bank since the inception of my credit card account. Citi Bank has repeatedly returned these payments to my checkin g account and has reported them unpaid. 

I have attempted to correct this problem by contacting Citi Bank via certified mail and also by calling their customer service department and I have only experienced gross incompetence on the part of the staff. 

Because of Citi 's company 's gross incompetence and the damage made to my credit, my fico scores are now in the low 600 's from an a verage score of XXXX. 

Recently, I tried to refinance my HELOC and was declined due to poor credi t scores thanks to Citi Bank. 

I need help in resolving this issue and restoring my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This company bought an old debt from XXXX, changed the date to say XXXX, and then proceeded to add interest charges each month, increasing the balance and adversely affecting my credit scores. I contacted them about the the date that it was not the date that the debt occurred that it has been nearly 7 years and they said they can use the date they bought the account, sell it to a sister company and then buy it back and continue on with a new start date for as long as they wish and they are allowed to charge interest even though it went through court already the judge ordered no interest rates to be added to the debt because it was so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The items you are reporting are completely inaccurate and incomplete and unverifiable ; and this is a very serious error in reporting on your part. 

Please delete the misleading information ASAP, and provide a corrected copy of my credit profile to all creditors who have received a copy with in the last 6 months or the last 2 years for employment purposes. 

This false information reflecting on my credit profile is causing me mental, physical and emotional stress and is effecting my health. I expect this matter to be resolved immediately. If it is not I will be forced to seek further assistance from the FTC, XXXX, and my states Attorney Generals Office. 

You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

The date of my first letter complaint wasXX/XX/2021. To date you have failed to follow the rules set out by the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The items you are reporting are completely inaccurate and incomplete and unverifiable ; and this is a very serious error in reporting on your part. 

Please delete the misleading information ASAP, and provide a corrected copy of my credit profile to all creditors who have received a copy with in the last 6 months or the last 2 years for employment purposes. 

This false information reflecting on my credit profile is causing me mental, physical and emotional stress and is effecting my health. I expect this matter to be resolved immediately. If it is not I will be forced to seek further assistance from the FTC, XXXX, and my states Attorney Generals Office. 

You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

The date of my first letter complaint wasXX/XX/2021. To date you have failed to follow the rules set out by the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ADP Inc.
State: OK

Complaint narrative:
Through my employer I had an 401k plan from ADP. I was laid off XX/XX/2020 I needed to withdraw those funds because I was without work. 6 months later and I still can not access my funds. Every time I contact ADP they give me the runaround. I've contacted them twice this week, once last week. On XX/XX/XXXX and three or four times previously before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian in reporting that I owe {$1400.00} to XXXX XXXX, I paid this out 3 years ago. They are also reporting that I owe XXXX and XXXX ( two accounts ) I have paid these accounts. They should be totally removed from collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: NY

Complaint narrative:
ON XX/XX/2020 WITHOUT MY AUTHORIZATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA XXXX PUBLISHED INFORMATION ON MY CONSUMER REPORT AND IS IN VIOLATION OF THE 15 USC 1681B AS MY ATTACHED LETTER WILL SHOW THE INQUIRY ON MY CONSUMER REPORT AND I DO NOT HAVE AN ACTIVE ACCOUNT WITH XXXX. I HAVE ALSO MAILED OUT THIS EXACT LETTER TO YOUR OFFICES BY USPS CERTIFIED MAIL TRACKING NUMBER 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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX. 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: FL

Complaint narrative:
Kohls/ Capital One report my account 30 days late in XX/XX/XXXX. I have never been late on this account and valid payment history and statements validates my complaint. I made a large payment on XX/XX/XXXX of {$500.00}, Kohls/Capital One failed to apply XXXX 's payment and place the total amount of {$500.00} towards balance. This in return cause my account to be reported 30 days behind. This is there error with their automatic system that failed to apply amount due and rest of payment towards remaining balance. I am unable to speak to a live person at Kohls/Capital One, they forward the inquiry to a different department who you are not able to contact directly. This complaint has been filed with XXXX and XXXX, they have resolved this issue. My file with XXXX and XXXX  is showing no late payment history based on supportive documents I submitted to validate perfect payment history since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Transcontinental Credit & Collection Corp
State: TN

Complaint narrative:
Someone has reported me as deceased to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: NJ

Complaint narrative:
A new and presumably duplicate entry for the account " XXXX XXXX  XXXX XXXX XXXX '' was entered onto my Equifax bureau report. My credit score dropped 17 points as a result. I tried calling Equifax and could not get this adjusted. Last month I had the same issue ( duplicate entry ) with XXXX XXXX. It is hard enough to keep my credit rating positive without erroneous entries. The two account numbers on the account aren't even the same - does the " new '' entry belong to someone else? This is extremely frustrating as Equifax is now reporting clearly unverified information, something they assure consumers they will not do. Please delete duplicate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR UNLAWFULLY OBTAINING MT EXPERIAN AND XXXX  CONSUMER REPORTS ON BOTHXX/XX/2020 AND XX/XX/2020 WITHOUT MY AUTORIXATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA. I HAVE MAILED THE FOLLOW LETTER ATTACHED TO YOUR OFFICES VIA USPS CERTIFIED MAIL TRACKING NUMBER 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 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened up a credit card and put down an {$800.00} deposit over a year ago. Citibank closed my account on XX/XX/XXXX and did not notify me and then accepted a payment on the account of {$550.00} on XX/XX/XXXX even thought they had a deposit on hand to clear the account balance. Ive received multiple responses from their customer service department In the last 4 weeks about getting the remaining deposit back. The representative have stated it would be returned anywhere from two weeks to 60 days and it changes with each call. Citibank reps state they wont credit the remaining balance on the account now until the cycle closes which is XX/XX/XXXX using the deposit so Im being charged interest on money Ive already paid. The representative today would not give me final refund total although I expect its around {$390.00}. They now are saying they need to issue a check and wont do an electronic deposit. The customer service person I spoke to today said she requested an expedited request but cant guarantee the check will go out. Told it could take 30 more days. I need the funds and Ive waited 30 days. Im not sure why I cant just walk into a branch and get a refund or why they cant refund electronically. Thats how they received the deposit in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed many items on my credit report with Trans Union on XX/XX/2021. On XX/XX/2021 they deleted many of the disrupted items. However, the main item which I disputed, for an auto from XXXX that I know nothing about, was left intact on my credit report and is causing me great harm. I have sent the company two copies of the fraud police report I filed, and to date they have received none of them. They claim I must mail the report to them, providing no way to upload or email the report to them from the XXXX. This is frustrating and expensive for me. Thank you in advance. 

I believe XXXX and XXXX also have the same information on their reports, despite also disputing with 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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently disputed several items ( addresses and employers ) that are being reported on my Experian credit report as my personal information that are not accurate on XX/XX/2021. After the investigation, the results of this dispute remain inaccurate. Under FCRA, My personal information being reported by all credit bureaus should be accurate. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX since XX/XX/XXXX. Therefore, any other addresses being reported on my credit profile that I do not reside at are invalid.

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