vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A : States I have the 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 Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a phone call from Convergent a debt collection agency that I had two outstanding energy bills in XXXX Tx about two weeks ago. I have never lived in Tx only in California. One company was XXXX XXXX XXXX XXXX XXXX acct # XXXX for {$990.00} and the other was XXXX XXXX XXXX acct # XXXX $ 371.01.Not sure how someone got a hold of my information where they resided at XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX. I have a notified the XXXX Police dept. report # 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 2023-02-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights by reporting a late payment on my credit report on XX/XX/2020. 

15 USC 1681 Section 602 states I have right to privacy.

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

15 USC166B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights by reporting a late payment on my credit report on XX/XX/2020. 

15 USC 1681 Section 602 states I have right to privacy. 

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

15 USC166B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

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 2023-02-21 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: MI

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : 08 XXXX XXXX BANK ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a claim with the CFPB against Bank of American, since it closed my company 's account almost 2 years ago and has not returned the funds. After 60 days, BOFA responds that it needs 30 more business days to respond to my claim and CFPB closes the case. In reality, there was no response from Bank of America, the case must remain open or open another asking them to respond positively or negatively, but to clearly say what happens with the return of the funds.

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 2023-02-21 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: CA

Complaint narrative:
I am a consumer by law. This complaint is not sent in error. I never gave written consent for you to report my private information protected by federal law. I am seeking compensatory damages for these violations.

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 2023-02-21 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: TX

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 2023-02-21 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: TX

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arcon Credit Solutions LLC
State: CA

Complaint narrative:
Arcon Credit Solutions contacted my family regarding debt I had already resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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 — Problem with personal statement of dispute
Company: Synovus Bank
State: OH

Complaint narrative:
On XX/XX/XXXX I was notified that my last credit payment through First Progress was marked as late I had set up the payment electronically through my bank and the estimated delivery was by the 9 at this point I perceived the payment to be paid to the crediter for some reason the credit company didn't cash the check until the XXXX of XXXX and stated that my banks payment delivery confirmation was not proof of payment and they required proof that they cashed the check before the XXXX I replied with so if my check was lost in the mail and it wasn't my fault I would still be hit with a negative mark on my credit report and they said the only proof allowed is proof that they cashed the check before the due date. I responded with what was to keep the company from receiving my check and waiting to cash it until after the due date to also charge me a late fee to which they were adamant that the only proof excepted was proof the check was cashed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX open XXXX XXXX {$1300.00} XXXX XXXX open XXXX XXXX {$360.00} XXXX XXXX open XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over XXXX i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: CA

Complaint narrative:
-I redeem silver certificates, federal reserve notes, state notes, etc at the treasury per : 31 U.S. CODE s.s. 5118 ( gold clause ) -S 9-307 LOCATION OF DEBTOR. 
( h ) UNITED STATES is located in DISTRICT OF COLUMBIA. 
-As one of the nation 's Creditor 's, I choose to bank privately, using LAWFUL MONEY ... federal reserve notes are LEGAL TENDER, and never fully offsets a debt. I use my LAWFUL MONEY to discharge obligations by CHECK, DRAFT, ITEM, BILL OF EXCHANGE, and PINNACLE FINANCIAL PARTNERS LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. MY ITEM ARRIVED CERTIFIED MAIL, I CALLED TO CONFIRM PINNACLE FINANCIAL PARTNERS RECEIVED THE ITEM, AND A XXXX XXXX XXXX INFORMED ME THAT HE RECEIVED THE ITEM, AND HE WOULD HONOR, SIGN, AND SEND MY INSTRUMENT TO THE TREASURY TO BE CREDITED TO THE CUSTOMERS ( MYSELF WITH XXXX XXXX XXXXXXXX ) ACCOUNT. ALMOST TWO  WEEKS GO BY AND I SPEND THE NEXT WEEK TRYING TO FIND OUT WHAT HAPPENED. I REACHED A XXXX XXXX WHO HELPED ME LOCATE THE ITEM A FEW DAYS LATER. THEN THEY IGNORED MY CALLS, AND I REACHED OUT VIA EMAIL, AND THEY INFORMED ME THAT THEY WOULD NOT SIGN AND SEND THE INSTRUMENT. DISHONOR IS UNDERSTANDABLE, HOWEVER ARTICLE 3, SECTION 503 OF THE UCC STATES THAT THE FINANCIAL INSTITUTION MUST GIVE NOTICE OF DISHONOR NO LATER THEN MIDNIGHT THE NEXT BANKING DAY. I'M VERY CONCERNED WITH THE AMOUNT OF INSTITUTIONS THAT FAIL UNDERSTANDING OR READING THEIR OWN BANKS TERMS AND CONDITIONS AND POLICY. I SIMPLY FOLLOW THE RULES AS HONORABLY AS I CAN. I SIMPLY WANT THIS FINANCIAL INSTITUTION TO DO WHAT IS WRITTEN IN THEIR POLICY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
COMENITYBANK/VICTORIA Victorias Secret credit card was reported late twice on my credit report. I have never had a late payment. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In the month of XX/XX/2023, I made my regular payment to my American Express credit Card. In my XXXX statement, I notice a late fee of {$29.00}. I called American Express stating I had a family emergency and I believe I made my XXXX payment on time I see a late fee in my XXXX statement and I was for the late fee to be waived. 

American Express did not help me and told me their system is not allowing them. 
I am disabled with a limited budget, I am not asking for anything unfair, I just want Ameridan express to remove the late fee. I always made my regular payment with little extra on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I received an alert from XXXX XXXX, showing Radius Global Solutions has reported a debt that they alleged I owe. I never received any notice to dispute the validity of the debt,

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reported to federal trade commission and credit bureau on XXXX. Report no XXXX -- -- -- XXXX then put freeze on XXXX XXXX XXXX XXXX and Equifax . Or I thought was Equifax. They have all my information a breach in my confidentiality. XXXX is Equifax no . I made my report to credit score n freeze. Today I received a phone call XXXX at XXXX  XXXX. I didn't answer the phone call. I called back XXXX and Equifax recording saying this is Equifax returning a phone call back then asked for my social security number. I did then a XXXX accent voice came on and ask can I help you. I said you called me??? It startled to me n I hung up. I immediately called XXXX where I put freeze on my credit n the man 's voice was XXXX accent also n ask me all my personal questions n social security number again. Did I file my credit freeze with Equifax or is it a fraud? Now I'm really distraught thinking I finally got rid of these fraudulent breach of confidentiality and I ask him what to do he said DON'T change your phone number that's when I said I'm reporting this to the government. Impersonating Equifax and trying to get money from me for credit score n a freeze please contact me as you can see my concern. I don't need no more trouble. I will change my phone number also again for the 3rd. Time. This person also took money from my checking account which I already reported to the Federal trade commission. Hacked me since2022 and I didn't even know it I'm XXXX XXXX n almost XXXX yrs of age n still work part-time as a XXXX XXXX XXXX XXXX. This person or people are impersonating me n the government n other people. I want to file a civil suit n sue. I will get my family attorney at law corporate to charge this person. It isn't a lot of money but it's all I have n my identity has been breached Sincerely, XXXX XXXX I have a flashdrive w info. On it at your convenience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
GLA COLLECTIONS : last reported against me on XX/XX/XXXX. They opened a fraudulent account against me over a year ago for {$1500.00} CALLED XXXX which theyre already tried to collect from as an existing account. 

GLA COLLECTIONS : LAST REPORTED AGAINST ME ON XX/XX/XXXX for an additional fraudulent account CALLED XXXX FOR THE AMOUNT OF {$1100.00} GLA COLLECTIONS : CHARGED ME {$1000.00} opened XX/XX/XXXX again CALLED XXXX - THEY DUPLICATED THUS AMOUNT TWICE TO DAMAGE MY CREDIT AFTER THREATENING IT ON HARASSMENT PHONE CALLS DAILY. Its mental abuse. 

THIS COMPANY CAN NEVER PROVIDE THE CORRECT INFORMATION OR CAN EVEN TELL ME WHERE THIS DEBT CANE FROM. 

GLA COLLECTIONS IS DESTROYING MY ENTIRE LIFE AND IM ONLY XXXX! Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX. 

Additionally, I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXXXXXX XXXX XXXX XXXX  to third party, XXXX XXXX XXXX. 

Please provide me with a breakdown of all charges, dates of service, and procedures given with the fees associated along with my signature and consent to release private health information. 

Please advise that withholding full documentation you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a big credit card bill with XXXX. I do make my payment every month on time. 
I made my XXXX payment on time but the bank release the payment late. Now I am charged a late fee of XXXX. I would like to be credited back the XXXX since I made the payment on time but the bank did not release the funds on 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