vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
At XXXX XX/XX/XXXX, I woke up and saw a bunch of emails from Bank of America that stated that I had made an account and opened a credit card under my name online. I immediately called them to see what happened and to report it due to it not being me who opened this credit card

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 2022-08-11 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: MD

Complaint narrative:
These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You 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 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 2022-08-11 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: MD

Complaint narrative:
These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You 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 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 2022-08-11 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: OH

Complaint narrative:
I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at XXXX and she disconnected the call very unprofessional.

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 2022-08-11 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: OH

Complaint narrative:
I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at XXXX and she disconnected the call very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at Experian and she disconnected the call very unprofessional.

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 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: FL

Complaint narrative:
I was getting some service with a green sky loan. I did not receive all services, yet they billed for them. They have been on my credit since XXXX. I have tried to dispute the charges. I though it was a loan up to amount. If used. They just billed for max amount. There is a lawsuit on Greensky for this exact problem. I believe I happen to a victim of these inaccuracies other consumers have complained about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
They keep calling every morning waking us up. They asked for someone else we told them they have the wrong number but they continue to harass us told them we have that number for 20 years and there is no such person at this number ( XXXX XXXX XXXX ) we have had it please have them stop we are retired we have no debts.. everything we do is paid for our credit cards are paid each monthits their responsibility to make sure they are contacting the correct person not mine to write them and explain who we are they are relentless in using the phone to irritate us they have the wrong person but dont except our response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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, have 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

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I use this credit card monthly. I always pay the balance, so I have never incurred interest fees. I have been a customer for about 10 years. This month I didn't pay the complete balance. My balance was {$2500.00}. I paid XXXX It was an oversight on my part. I expect to pay interest. However they charged me {$14.00} interest. My balance is {$220.00} which i expect to pay interest on. The company charged me interest on {$640.00}. I called and the insulting customer service rep, explained its not based on the about being borrowed, but a daily average. So I'm being charged interest on money that they already received. {$410.00} to be exact, they charged me interest for Money that they already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: VA

Complaint narrative:
XXXX has illegally hired a debt collector and illegally shared my information and subjected me to spying, stalking, and XXXX terror, identity theft, blackmailing and more. My account was set up so there can no automatically payment can be made, and then they closed it so during the so I had no accesses to my account during the time period they want to charge me for. Then I get an email from a illegal debt collector who claims to have been hired by XXXX. After receiving the scam debt collector agency, I contacted XXXX and demanded them to cancel the false debt collection, which they did not. I herby press charges against XXXX, and Rozlin Financial Group, Inc ( RFGI ). Please arrest everyone involved and make sure that they can not ever terrorize the citizens of the united states again. 

Thank you. 

XXXX XXXX Rozlin Financial Group, Inc ( RFGI ) XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Website : www.rfgionline.com Pay online : www.rfgionline.com/pay

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 2022-08-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, I discovered an inquiry on my Experian for a department store credit card ( XXXX XXXX ). I immediately called XXXX XXXX at XXXX pm on XX/XX/2022, and was told by the representation that NEITHER my Social Security number nor phone number was used to apply for the card. I tried to call Experian the same day and was told I would have to call Monday morning. I called Experian Monday, XX/XX/2022, at XXXX am and spoke to XXXX. I was assured the error would be removed and a message was posted on my account for a year. I was also told Experian would contact the other two credit agencies. The information was not removed in the 24-48 hours and I contacted them again to get it removed. Experian is telling me it has to come from XXXX XXXX. XXXX 's tells me since none of my contact information could be mirrored on any of their accounts it was an Experian issue. My credit is XXXX and I am trying to increase my score. I disputed several items on my account which were removed immediately, however, this is a blame game with XXXX XXXX and Experian. If I didn't apply for a XXXX 's card it should be removed and investigated. I have not been impressed with Experian. For a two-month period, my balance was not updated. Experian suggested I contact the companies who hold my debt. I contacted XXXX and XXXX XXXX and both told me they report each month and it was an Experian issue. A few days later it was corrected. However, it is apparently clear that when Experian makes a mistake they want to defer it to someone else instead of fixing it.

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NC

Complaint narrative:
I received a letter from American Coradius International, LLC on XX/XX/22. The letter said they were a debt collector trying to collect on a debt owed to XXXX in the amount of {$2700.00}. I do not owe any money to XXXX. I called XXXX to verify and they said this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, XXXX XXXX Experian still are in violation. Please get this deleted immediately. 

XXXX original debtor 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
on XX/XX/2022 i noticed a {$69.00} charge on my XXXX bank account from Spirit Airlines XXXX card, i never applied for this card, nor have i ever received, or activated a Spirit XXXX  card. i call the number listed on XXXX to cancel the card, XXXX, this number goes to Bank of America, when i called it ask for card number or SSN to access account. I do not have the card number since i never received a card, i tried using my SSN but it was not found in the system. this is some shady business practices, how could i be charged if Spirit/BOA have no record of my SSN? and i have NEVER received a card. SCAM. They are taking advantage on consumers.

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX days late in XX/XX/2021, 60 days inXX/XX/2021 90 days in XX/XX/2021, 60 days in XX/XX/2021.

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021, 60 days in XX/XX/2021, 90 days in XX/XX/2021, 60 days in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021, 60 days in XX/XX/2021 90 days inXX/XX/2021, 60 days in XX/XX/2021.

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 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The debt is incorrect and is over 10 years old it is over the statute of limitations. They are trying to sue me and garnish my wages. This debt was from Michigan over 10 years ago and the amount is over doubled the amount originally. And they have not provided proof of the original amount and date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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:
Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, a charge was posted to my account in the amount of {$49.00} from a company that I had previously done business with. The charge was not authorized as the subscription with this company was cancelled back in XXXX. I tried to resolve the issue with the vendor, to no avail. I then contacted Chime to dispute the transaction. The initial dispute was denied a few days later with no explanation given. The following day, I received an email from the vendor stating that they would be refunding the {$49.00} and that the refund was sent to Chime on XX/XX/XXXX. By XX/XX/XXXX, I had no yet received the refund and contacted Chime. I was advised that since the refund was not yet sent to the bank, that they could reopen the dispute and receive a provisional credit. I was advised to send the evidence from the vendor showing that I was promised a refund ; I forwarded the email chain showing the promise of a refund between myself and the vendor to Chime on XX/XX/XXXX. I received notification 1 day later from Chime stating the the claim was yet again denied, with no explanation. There was also no investigation into the dispute. I called Chime yet again on XX/XX/XXXX to reopen the dispute a 3rd time, since it was now 5 business days from the date I was promised a refund. I was told that they would reopen the claim but that no provisional credit would be issued, due to the type of transaction, and that I would have to wait for the full 90 days for this credit.

Company response to consumer: Closed with explanation