vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: NY

Complaint narrative:
XXXX XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: NY

Complaint narrative:
XXXX XXXX  Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 2022-09-08 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 — Was not notified of investigation status or results
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
When checking my credit reports a couple months back, I noticed several unauthorized accounts now showing as negative accounts on my XXXX, XXXX, and XXXX. I knew my personal information was compromised and somebody had opened fraudulent accounts under my name. One of those accounts was by Continental Finance Co and shows a balance of {$0.00} and was closed on XX/XX/2020 ( a time where I was not even remotely looking to apply for any credit or lending products ) with a credit limit of {$500.00}, as I had my two XXXX XXXX cards at that time. So, I proceeded to quickly dispute this information on my credit reports through the credit bureaus and get them to ask Continental Finance Co to provide several pieces of documentation including wet-ink signature, date account was opened, how it was opened. All statements, transaction history, original contract, and any and all correspondence between Continental Finance Co and myself through either physical mail or email. I never knew or authorized this fraudulent account and absolutely did not authorize the opening a such an account. I have never even heard of Continental Finance Co before shockingly seeing it show as a negative account on my credit report. After disputing multiple times, they have provided no such documentation or proof that the debt is mine. If this is not resolved, I will strongly consider pursuing litigation as there are multiple FCRA and FDCPA violations pertaining to the reporting of this account, not to mention I have done everything on my end to ensure my personal information is now secure and will not be subject to compromised information moving forward. Since they have disregarded my disputes and violated credit reporting laws, this account must be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and immediately update that 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 2022-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
REGARDING XXXX, The information provided by XXXX XXXX XXXX XXXX. We ar requesting a complete XXXX o all payments sent to L and J and all communcation regarding from the XXXX XXXX regarding previous outstanding amounts. All claims filed within the XXXX by L and J!

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I have applied for several credit cards from credit karma that advertised i was peeped for but was declined for. This has lead to negitive information on my credit report and an now waiting on buying a house until its disappears from my credit report. I see this is a reoccurring problem from credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX XXXX XXXX loan first showed a 60-day late payment for XX/XX/2021, they then changed it to a 60-day late payment for XX/XX/2021 and now it shows as a closed account. I tried calling multiple times and they keep saying they can't help me with it even after i disputed it. Equifax is the only one showing these inaccuracies. XXXX nor XXXX show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: CT

Complaint narrative:
I was sent a letter stating that I owed a debt for medical care I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: SC

Complaint narrative:
XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, EXPERIAN and XXXX, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).

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 2022-09-08 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: KY

Complaint narrative:
I have never used any of these companies or services. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
There are a few things, applying payments and fees associated with them not applying my payment. As well, I never received anything telling me my due date so paid the card with Synchrony Bank as I did my other account, for the first of the month. I also have no idea what my interest rate is. 
On XX/XX/XXXX I received a reminder to pay my XXXX account with Synchrony and found that odd as I had done it. I logged in to see there was no payment applied. however, the payment was debited from my checking account. Synchrony applied the payment for XXXX to Care Credit, resulting in 2 payments to Care Credit and none to XXXX. when I contacted them they said they would look into it. I sent them proof yet they still notified me that they could not verify the payment. 
I also complained about not receiving anything telling me what my due date was and that I just made my monthly payments, only to discover they were applying late fees every month except for the first payment - guess I just got lucky. 
However, after I complained, they then lowered my credit limit, and not that it matters as I will be paying off that account and closing it, but it appears retaliatory. This has been going on for over 1 month

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 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I switched to Mohela from XXXX, Mohela will not count my time with XXXX and therefore I was denied a PSLF request. So- instead of XXXX payments through XXXX, Mohela considers 2 qualifying payments because that is how long my consolidated loan has been with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: VA

Complaint narrative:
Late payments were reported Inaccurately the fcra states that if items are reported incorrectly they said be deleted 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 explanation
Consumer complaint received 2022-09-08 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: VA

Complaint narrative:
Late payments were reported Inaccurately the fcra states that if items are reported incorrectly they said be deleted 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 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: TX

Complaint narrative:
Citadel paid my home owners insurance late causing my policy to be cancelled and payment to be returned ( to me ). 
I had to secure insurance on my own. 
This money came out of pocket. I had to wait on refund that the insurance company sent to me and this caused a late mortgage payment. I was told this would cause a late fee but it would be waived once everything was settled. It was not. 
Citadel also hit my credit score on XX/XX/XXXX and XXXX. Making two claims for one account!!! 
Additionally, this has effected my escrow and will ultimately cost me more money in loan interest. I have over 8hrs of personal time invested into this situation and Citadel has proven to care NOTHING about customer service. You can NEVER talk to the same person twice and everyone give you a different story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
>XXXX XXXXXXXX, 2022 : XXXX products were purchased on XXXX using my credit card number. 
>I was alerted to the transaction and immediately reported the incident to XXXX and my credit card company ( Capitol One ). 
>I was issued a new credit card and an investigation was started by Capitol One. 
>After about 2 weeks, the charges were removed from my card balance, then added back to my balance a week later. They stated that after further investigation, the matter had been resolved, and I was responsible for the charges. 

>I then sent them a certified letter ( XX/XX/2022 ) with evidence that XXXX had delivered the packages to a different zip code and that I had not ordered, nor had I received the items in question. 

>They never responded to my letter, so I sent a follow up letter. ( XX/XX/2022 ). As of this date, they have not responded to either letter. 

My understanding is they have 30 days to respond, which they have not done. I also understand I may withhold payment on the disputed charges, but I have been making payments as I am concerned this may adversely affect my credit. 

Please help me if you can. 
Yours Truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank charged a duplicative NSF fee based on charges that were already included in the prior balance. On XX/XX/XXXX, my grocery account balance was {$210.00}. On XX/XX/XXXX, the balance was - {$2.00}, which included a " pending '' XXXX charge ( {$33.00} ) and two actual debited charges from XXXX ( {$52.00} ) and XXXX ( {$120.00} ). My account was charged a {$36.00} NSF, understandably so. On XX/XX/XXXX, I deposited {$100.00} in the account, and the XXXX charge was then actually debited ( {$33.00} ). However, Truist charged an additional {$36.00} for the XXXX charge ( {$33.00} ). When I called the bank to inquire about being charged twice for a single debit, I was advised that I was charged once for XXXX and once XXXX. When I asked how is that possible when the pending charge from XXXX was included in the balance that was previously charged the NSF fee? I was told that it didn't matter that the pending XXXX charge was already included in the balance. Once the charge is actualized, I will still be charged. My complaint is that, if this pending charge is what caused my account balance to be too low for the XXXX and XXXX charges, then why would I be charged again when the charge actualizes? It would make sense to me if the pending charge was not included in the prior balance, but because it was included, Truist can get around charging me twice by saying that the first NSF fee was tied to the XXXX charge rather than the XXXX charge b/c it was only pending at the time. However, were it not for this pending charge being included in the ACTUAL balance, this never would have occurred. Truist refused to refund the 2nd NSF fee, which is why I am filing this complaint. I believe that this is an unfair practice for consumers, and I can't be the only person this has happened to. If a pending charge is included in the prior balance which incurs an NSF fee, then once the charge actualizes, they shouldn't be able to charge consumers a second time.

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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
In XXXX Jefferson Capital had a debt on my report that was not mine. I disputed it and it was removed from my reports. As of XX/XX/2022 it appeared again, I asked them numerous times to correct their mistakes. And because of their errors my credit score has went down. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I am a member of credit karma, I saw that I was eligible for credit cards due to my credit ( pre approved ) I signed up for the cards then got a email saying I could not get them due to my credit which credit karma was advertising then to me, which resulted in my credit decreasing more due to trying to get the cards they said I was pre approved for. I think they are doing false advertising and causing people to try to get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A bank of America credit card was opened XX/XX/2022 in my name. The address the card was sent to was in TX ( I live in CO ), but luckily I caught the fraud before the perpetrator received the card.

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 non-monetary relief