vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting 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:
Experian has reported two invalidated accounts on my credit report 1XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature Experian is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Items by XXXX XXXX XXXX Still showing on credit report, pass the statue of limitations in my home state. Under Virginia code 8.01-246 ( 4 ) Statute of Limitations on Debt in Virginia Debt Type Deadline Open account 3 years Oral contracts 3 years Auto Loan 4 years Written contracts 5 years Credit card 5 years Medical debt 3 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX informing me they have the information on my credit report corrected for XX/XX/2021. The same letter was sent to Equifax and they neve had information corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Credit application denied ... .no follow up, etc Scams, unethical, retaliation, blacklisted blocked persecuted ilegally restricted victimized forgery Application about 3 weeks ago Identity theft, defamated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
TO REMOVE IMPROPER AND INCORRECT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX XXXX. REMOVE IT. IT'S FALSE AND NOT TRUE!! SEE SUPPORT DOCUMENTS. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests.

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a letter from XXXX XXXXXXXX XXXX  saying information related to the payment on XX/XX/2021 was corrected and updated. The mention the same letter was sent to Transunion but they never had information updated and corrected, several requests were sent nut no correction.

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I suggested XXXX in XXXX on XXXX, lost my job and income, and took 7 years to settle the lawsuit in our favor, however, the cards that Chase are reported as written off referred to a first missed payment in XXXX of XXXX, and since the statute of limitations in CT, is 7 years, this debt was unenforceable by XXXX of XXXX, and written off XX/XX/XXXX, when my score dropped XXXX points. 

This information needs to be moved from my report as it is no longer a legal debt. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX  Ive notified the police in reach out to the company in no action has Been taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX Ive notified the police in reach out to the company in no action has Been taken

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 2023-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
This was a XXXX  medical service for my deceased wife. She was billed in XXXX  and after the payment was made in full the provider sent an additional request for payment. When the collection appeared on my credit report in XXXX, I immediately disputed the account informing all three that the medical service wasn't mine. Of the three reporting agencies XXXX immediately removed the collection, XXXX and XXXX refuse to remove the account from my credit report. Recently I contacted XXXX and informed them that my wife had passed in XXXX of this year and the collection, which wasn't mine anyway, should be removed. They declined and it remains on my credit report. I haven't contacted XXXX over this issue but would expect the same result.

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 2023-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
This was a 2018 medical service for my deceased wife. She was billed in 2018 and after the payment was made in full the provider sent an additional request for payment. When the collection appeared on my credit report in 2018, I immediately disputed the account informing all three that the medical service wasn't mine. Of the three reporting agencies XXXX immediately removed the collection, Experian and XXXX refuse to remove the account from my credit report. Recently I contacted Experian and informed them that my wife had passed in XXXX of this year and the collection, which wasn't mine anyway, should be removed. They declined and it remains on my credit report. I haven't contacted XXXX over this issue but would expect the same result.

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 2023-10-21 00:00:00
Product: Credit reporting 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:
I took out student loans in XX/XX/XXXX. XXXX serviced these loans. 

In XX/XX/XXXX, XXXX declined to continue servicing Department of Education loans. XXXX therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. Experian accurately reports that I have {$0.00} balance with XXXX. However, Experian inaccurately reports that I have a $ XXXX balance with XXXX. This is false ; as stated, XXXX closed my account and transferred my balance ( see page 2 of the attached XXXX XX/XX/XXXX loan letter from XXXX proving I have {$0.00} balance ).

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 2023-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. 

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX  and other credit resources, my credit scores are hindered by at least XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.

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 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America sent an escrow overpayment of {$3000.00} to XXXX XXXX on XX/XX/2019. The payment was not applied to my account with XXXX XXXX, instead it was applied to an incorrect account. I have contacted Bank of America multiple times since XX/XX/2019 to retrieve my money back from XXXX XXXX, but Bank of America has failed to do it. 

Bank of America claims XXXX XXXX is telling it no overpayment is due on this account, but when I go to XXXX XXXX, the city is telling me Bank of America 's money was applied to the wrong property 's account. XXXX XXXX refused to share information with me, advising me to go back to Bank of America and file a claim for overpayment to retrieve the money. However, Bank of America claims they have made many attempts and XXXX XXXX is telling them there is no overpayment. I am out of {$3000.00}. Bank of America keeps referring me to XXXX XXXX, and the city is referring me back to the bank, stating that it is not my account so it can not provide documentation to me since XX/XX/2019. 

There were no overdue bills with the XXXX XXXX XXXXXXXX that required Bank of America to send a payment on my escrow account. 

Please assist me in retrieving my money from the XXXX XXXX XXXXXXXX through Bank of America. 

The relevant mortgage account number is : XXXX The relevant property address is : XXXX XXXX XXXX, XXXX, MD, XXXX My XXXX XXXX customer account number is : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: KS

Complaint narrative:
The company LVNV Funding LLC refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law california ( California is 4 years ) 2. The full contract with my signature that I am doing any business with LVNV 3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement.

4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed.

5. The original documents LVNV Funding LLC has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: SC

Complaint narrative:
This is a New Jersey based bank, I opened this account in XXXX and closed in XXXX, relocated and invested in further development... 

Too busy ... .at the time... my interest rates accrued were not enough ... or not deposited at all They have all this info.archived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Last year the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/ Department of Treasury for a distributed SBA XXXX XXXX XXXX To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and on one know what the bank did with this money. In my eyes, some one at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me to SBA with interest.

I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when your institution supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA.

For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft, I have fraudulent accounts, and credit inquiries, which I did not give permission for my credit to be ran. I also have fraudulent addresses on my credit report I have listed the fraudulent addresses. I also have my name spelled wrong on my credit report I have and wrong phone numbers. I will list my current address and current phone number and name I want listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied for a credit card and got denied, I have the right to credit. Withholding my access to my securities is securities fraud, they have violated not just the Equal Credit Opportunity Act, they have also violated the Consumer Credit Protection Act, since they denying me access to my credit, I ask that they please retract my application now

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 2023-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
I have recently reviewed my credit report and the following account XXXX XXXX XXXX XXXX XXXX does not belong to me and is a result of identity theft. I have requested a written contract between me and PRO COM SERVICES and XXXXXXXX XXXX XXXX XXXX XXXX doesn't exist this is in violation of my rights. According to the fcra 15 US Code 1692g as described in the validation notice. The validation notice contained the statutorily-required statement regarding the collector 's obligation to obtain verification of a debt or a copy of a judgment if the consumer notifies the collector in writing within a 30-day period. I want this collection removed asap please.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
Debt collection company is trying to collect a debt not owed because I already moved out and the landlord never returned security deposit of XXXX and I never owed any rent. Lease expired XX/XX/XXXX. NCSPlus are committing fraud along with XXXX XXXX XXXX XXXX XXXX They actually owe me money and never gave me my security deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief