vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: TX

Complaint narrative:
TRANSUION report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. 

This account was deleted a year ago because of inaccurate reporting, false info and failure to furnish verification. THIS IS 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 explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2022 To whom it may concern, One evening, a little over two and a half years ago, I sat down at my desk and started going over my Citibank credit card invoice. I was shocked to see charges on this card, about {$9000.00} worth, that I had not authorized and that I knew nothing about. Contacted Citibank post-haste and informed them of these fraudulent charges they said they would investigate and get back to me. At that time I wasn't particularly concerned because I knew that Citibank had a policy of not charging card holders for fraudulent and criminal behavior. I also studied this fraud and found that they used a device called a " square '' that you could use and only have the card in their possession the first time of use. A few months later I got a letter stating that they would not honor the fraud policy in my case and considered it a " business dispute '' .The only thing that they could misconstrue as a business dispute was the fact that I at one time had considered buying this auto repair shop but I had decided against it very early in the negotiations and I barely knew the shop 's owners. The only way I felt I would get fair treatment by Citibank was to stop paying their bills and compel them to sue me so that I could get this situation in front of an impartial and fair magistrate to get Citibank to do as they had promised and cover this obvious fraud. Sometime later they sent my folder to a collection agency and by the end of the call, a supervisor told me they were going to ship my file back and not take it and if he was he would sue Citibank for criminal behavior. In the meantime every few months Citibank would send me a letter indicating that the issue was still being investigated and that a conclusion would be forthcoming, This has never happened and still I wait. Please understand when I started on this debacle my XXXX credit score was XXXX and I believe that I hadn't been late on a payment in about 40 years. Recently I tried to refinance my home and was turned down flat a direct result of Citibank 's reporting of this unfinished situation. Recently I calculated my loss because of this to be in the tens of thousands of dollars this does not include three stress-related XXXX XXXX that may or may not be attributed partially to this situation. This problem has now been going on for years with no end in sight. Can anyone there help me? maybe by referring me to an attorney that would take this on a contingency basis or reasonable payments. I truly need somebodies help. Please can you help me? 

Thank you for listening, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Check N Go sold the debt to XXXX XXXX XXXX XXXX XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with XXXX XXXX XXXX, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both Check N Go and XXXX XXXX XXXX refuse to communicate in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I reached out to the Avant , LLC . back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, PA which is not where I live. I live in California and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of Avant , LLC . but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the Avant , LLC of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
Carrington mortgage told me I was eligible to apply for 1 ) LOAN MODIFICATION-After Carrinton Mortgage received all my PRIVATE bank statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my LOAN MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION because they did " not '' receive a BANKRUPTCY CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney BOTH said they have ALREADY sent it to CARRINGTON!!! 

Again there is a HUGE discrepancy and I consider this to be another PREDATORY LOAN TACTIC! 

3 ) CARRINTON MORTGAGE IS STATING " I '' CAN NOT SEND THEM ANY DOCUMENTATION REGARDING MY HAF AND/OR BANKRUPTCY FILE AND/OR CASE WHEN I HAVE PROOF AS ATTACHMENTS THAT I HAVE DONE SO IN THE PAST AND THEY ARE REFUSING TO ACCEPT THE CORRECT DOCUMENTATION SO THEY CAN SAY THEY DIDN'T RECEIVE THE CORRECT DOCUMENTATION IN ORDER FOR THEM TO DENY ALL HOME ASSISTANCE APPLICATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I already paid this debt off directly with XXXX back in XX/XX/2022. I am not quite sure why they sold it to you. 

Amount : {$780.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated all my rights.

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

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: World Acceptance Corporation
State: MO

Complaint narrative:
XXXX removed the following account XXXX XXXX XXXX as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has XXXX XXXX XXXX XXXX aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

World Finance is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was told that my credit would not be run until I made the decision of what type of vehicle I was gon na purchase and the amount would be discussed, they ran my credit with out my consent even after I told them I was not going to move forwardI did not sign anything or was given any type of form to fill out neither did I give them any type of identification or social

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: REGIONS FINANCIAL CORPORATION
State: VT

Complaint narrative:
Received a credit card via 2 day XXXX XXXX looks totally bogus. Never applied for any credit card. Received on XX/XX/22. Did not call number on back as I believe this is some type of scam. It shows XXXX logo but does not say XXXX. Customer service number on back of XXXX. There was no terms or explanation with the card just a card in an envelope sent in a XXXX envelope.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of 1974 Violations with Experian, XXXX and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to Experian, XXXX and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from Experian, XXXX and XXXX regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 XXXX Account # XXXX, has violated my rights. 

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

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