vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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: OR

Complaint narrative:
I applied to finance an XXXX online on XX/XX/XXXX and the bank that XXXX uses, XXXX XXXX XXXX uses Equifax to check consumer credit reports for the applications. I was denied the application on XXXX occasions for the reason of, " APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT ''. I then called the Equifax customer service line to try and get help. I was told I had to use their online dispute service to correct the information. I filed XXXX dispute with pictures of the front and back of both my social security card and my driver 's license. The claim returned to me stating that the information in their system was showing correctly. I filed another dispute with just the pictures of my social security card hoping that it would be more clear, but the results returned the same. After these instances, I called the hotline again and was told to send photo copies of my social security card and driver 's license to their consumer information services to be corrected in their physical location and that it would be fixed within 5-7 business days. I mailed this information XXXX weeks ago and the information still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX has giving me the run around several times on this account. 

I talk to them several times in which different amounts they mail me. 

Someone from XXXX tells me after several attempts to get this resolved but no one follows up from XXXX to clear this up XXXX giving me XXXX Bills with different amounts I have for {$390.00} & {$270.00} But was told XXXX XXXX said on the phone {$260.00} and they clear the amount to sttle on thsg amount in which I never got the bill for the said amount after several attempts. 
This robot or AI machine in which has several issues its nit no human I have attached from XXXX XXXX different bills with different amounts they mail after I had disputed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: GA

Complaint narrative:
The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: OH

Complaint narrative:
XXXX has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported XXXX late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed from 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 explanation
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a Credit Card balance transfer from Citi Bank to XXXX  XXXX XXXX in XX/XX/2023 as I was trying to take advantage of a no interest promotion for 2 years being offered by XXXX  XXXX XXXX. I made the transfer using the camera feature for the transfer on XX/XX/2023 but the funds never reached my XXXX XXXX XXXX card. The amount in question is {$4500.00}. This amount is already being charged onto my Citibank XXXX account although there is no objective evidence that the {$4500.00} dollars expected from this transaction was ever credited between Citibank and XXXX  XXXX XXXX. I have spoken multiple times with Citibank and XXXX  XXXX XXXX on this issue but no Corrective Action has been taken. With Citibank alone I spoke with three different supervisors identified as XXXX ID # XXXX and XXXX ID # XXXX and a Third one named XXXX. Two case ID 's were opened on my behalf XXXX and XXXX but no additional follow up from either Bank has been conducted and no attempt from either Bank Institutions to mitigate noted discrepancy. XXXX XXXX XXXX provided me with case number XXXX but nothing is happening. I desperately need your help as time is of the essence. thanks

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 2023-06-11 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I have filed disputes with XXXX for my Exeter Vehicle loan account with the last XXXX of the account # XXXX. I paid this account in full on XX/XX/2023. On XX/XX/XXXX XXXX reported this account past due with a balance. 

Also the date of first delinquency is incorrect. 

XXXX is blatantly reporting erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: NC

Complaint narrative:
I have filed disputes with Equifax for my XXXX XXXXehicle loan account with the last XXXX of the account # XXXX. I paid this account in full on XX/XX/2023. On XX/XX/XXXX Equifax reported this account past due with a balance. 

Also the date of first delinquency is incorrect. 

Equifax is blatantly reporting erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TN

Complaint narrative:
XXXX data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check

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 2023-06-11 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: TN

Complaint narrative:
XXXX data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check

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 2023-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I paid XXXX XXXX in a debt validation program {$450.00} from XXXX to XXXX to get rid of XXXX XXXX  XXXX XXXX of a they were in communication with me for XXXX  years I never heard anything from any creditors until now i received acollection letter from Midland credit management from XXXX XXXX  that i owe {$1600.00} from XXXX and i can not locate XXXX XXXX they have gone out of business I paid over XXXX for there service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TX

Complaint narrative:
Beginning in 2022, I noticed inaccuracies on my credit report with Experian pertaining to various accounts, which I believe have negatively impacted my credit score. I promptly took the necessary steps and submitted a formal dispute to Experian. My dispute requested the re-evaluation and correction of these inaccuracies under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681.

Despite my actions and subsequent communication, Experian has failed to adequately rectify the inaccuracies. No significant changes have been made to the accounts in question, and the errors remain on my credit report.

This has not only caused me financial harm but also undue stress as these errors continue to unjustly affect my creditworthiness. The neglect to remedy these inaccuracies is, I believe, a violation of the FCRA, and I have been compelled to take further legal steps.

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 2023-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
XXXX XXXX and XXXX all listed a bankruptcy 's on my credit repot as accurate. so i contacted the federal court and they informed me in writing how they do not repot or verify bankrupts to any one.so that means my rights are being violated with accordingly from the fair reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On the date XX/XX/2023, TransUnion told me they received my information and my dispute letter, but it led to a non-investigation because they accuse me of using a credit repair company. I have been ridiculed for too long from Transunion for months and I am getting XXXX at this point. My right as a consumer is being violated and how is it within my rights to fight back when I get the same issue? 


Please be helpful

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 2023-06-11 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: TN

Complaint narrative:
the following accounts were opened in my name 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TN

Complaint narrative:
the following accounts were opened in my name 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 explanation
Consumer complaint received 2023-06-11 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: TN

Complaint narrative:
the following accounts were opened in my name 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 2023-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLATINUM HOME MORTGAGE CORPORATION
State: DC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MO

Complaint narrative:
A year ago I ordered a cash app card. The card came but I was unable to activate.Contacted company they asked me to send in verification of my address. I've sent verification 4 times. I never get a response after I send verification and They still will not activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: HI

Complaint narrative:
I was surprised to receive a medical bill from XXXX XXXX XXXX XXXX for {$170.00}. The bill says my son took a XXXX test on XX/XX/20 and over two-years later, I received this bill. My son was attending college in XXXX XXXX at the time and travel was restricted so I assume he may have taken a XXXX test nearby his college. The XXXX XXXX  billing address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX. We pay our bills every two weeks so my issues are : 1. I may have already paid this bill and I don't retain medical billing statements for two-years. 
2. Considering it took XXXX XXXX XXXX over two-years to send me a bill, I do not trust its record keeping and this bill could have been sent to me in error. 
3. I researched a California law that says a medical provider must send out bills within 12-months. 
XXXX XXXX XXXX transferred this bill to XXXX XXXX XXXX and threaten to ruin my son 's credit. So I will pay this bill under duress. But, if my reasoning is correct, I would want a full refund. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc.
State: NV

Complaint narrative:
I called the company to have this account removed from my credit report. They said " I would have to close the account first then they will remove it. '' That was XX/XX/XXXX and it is still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: SG and Associates
State: FL

Complaint narrative:
The stafford group and associates repeatedly calls friends, work, relatives, stating they are calling in for legal department collecting a debt and have to deliver legal documents. They call early morning, at night and weekends.

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 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
These Accounts : 1XXXX BANK . 2 XXXX XXXX BANK. 3 BANK OF AMERICA. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

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