vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
XXXX XXXX Amount {$560.00} Collection agency CAPIO PARTNERS LLC Original claimant is XXXX XXXX XXXX Tel XXXX capio partners Tel for XXXX XXXX XXXX This bill doesnt belong to me thats either an identity fraud or misinformation Because Ive never been to XXXX Florida I live in XXXX XXXX and this XXXX XXXXXXXX XXXX is a medical company in XXXX, FL gave collection through Casio partners.

I never had any visit or relation with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
This is nightmare since XXXX. I'm being approved for the XXXX XXXX funds for 17 futures mortgage payments in XX/XX/2022. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX, XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. I'm being calling almost every day and they told me that is an issue with XXXX that is the third party that apply the payments. Since XXXX they are receiving the checks but not applying to the account. It's so unfair that we have to go through this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
ive reprted multple times on my report that this account was open in fraud the company is XXXX wich the bank is bank of ameica its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXXXXXX buisness has removed it aswell XXXX and XXXX XXXX .but XXXX and bank of america XXXX adhere to my demands wiyh the proof of afidavid im demanding bankl of america and XXXX to remaoe this fruad account off of my report the account is XXXX open on XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: CA

Complaint narrative:
I was receiving calls a few years ago regarding this debt. I sent in a do not contact me letter. The calls stopped, but the emails began. Every time I unsubscribe from the emails. They would stop for awhile and then start up again. A year ago I thought was going to have enough coming in to pay off these predators so I called to make payment arrangements. After that the calls began again. I told them that I did not say it was okay to call me. I keep getting emails, I unsubscribe and then they continue to send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, I XXXX XXXXXXXX XXXX  : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of 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 2023-03-23 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: EQUIFAX, INC.
State: KS

Complaint narrative:
" Starting in XXXX, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports ''. 

I have medical debt that less than {$500.00} and is being reported on my credit. After submitting 2 disputes it is still being reported and they are refusing to remove it. It was removed one time and then put right back on. 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX This was also put on my credit 4 months after the date of service and not 6 months as per guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In XXXX of XXXX I took out a loan from XXXX XXXX. It was extremely high interest, so the payments were expensive. I ended up not being able to completely pay it off, and the payment were returned by my bank, so it wrote off to collections in XXXX. They sold the debt to XXXX XXXX XXXX, and they reported it correctly. Fast forward to XXXX and I applied for a personal loan to build my credit and the creditor asked me about this " new delinquency ''. I know that I don't have any new delinquencies, so I thought it must be a mistake. I pulled my credit report and saw that it was now sold to NCA or National Credit Adjuster and they are falsely reporting that I took out a loan in XX/XX/XXXX and made no payments, and it wrote off in XX/XX/XXXX. This is a huge violation of my rights and their lies have now hurt my credit. I filed a dispute with XXXX and it came back as no change, it said the company showed proof of these dates?? So they're falsifying documents or something. I signed an agreement in XXXX and haven't since then. I am attaching the statement of the loan taken out and the return notice from the bank to show the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: PA

Complaint narrative:
TRANSUNION, 1. YOU ARE LYING WHEN YOU SAY YOU ARE " VERIFYING '' THESE ACCOUNTS. I WROTE YOU MANY TIMES BY CERTIFIED MAIL 2. AND YOU REFUSED TO ANSWER within 45 days. THAT IS ILLEGAL. By law you must remove all false information when you refuse to respond in time. 

A. XXXX XXXX- not my account XXXX XXXX- not my account. See evidence belongs to XXXX " XXXX '' XXXX. I don't have a middle name. YOU'VE LIED MANY TIMES SAYING YOU VERIFIED THIS ACCOUNT WHICH IS NOT IN MY NAME. 
XXXX XXXX- not my account XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) of them. Not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
This company has been harassing me and calling me daily, non stop. They have even called before XXXX, and refuse to stop. There has been no written notification of debt, so Im confused on why theyre even contacting me. If I dont answer they call from a XXXX number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Marcus by Golden Sachs ( GM Rewards Credit Card ) Account opened... XXXX Account closed ... XXXX Credit amount approved ... XXXX Account was closed suddenly without any notice. I found out while trying to make a purchase and was declined. I called to find out what was going on especially since the account was recently opened. They told me the account was closed due to regulatory reason, with no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: NJ

Complaint narrative:
ive reprted multple times on my report that this account was open in fraud the company is eqafax wich the bank is XXXX XXXX XXXX its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXX buisness has removed it aswell XXXXXXXX XXXX XXXX XXXX .but eqafax and XXXX  XXXX XXXX wont adhere to my demands wiyh the proof of afidavid im demanding XXXX XXXX XXXX and eqifax to remaoe this fruad account off of my report the account is XXXX open on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed by certified mail to XXXX, TransUnion, and XXXX ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XX/XX/2023 by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































92 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
I mailed by certified mail to XXXX, XXXX, and Experian ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XX/XX/2023 by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































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 2023-03-23 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation