vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously disputed an account that is reporting to my credit file that is falsely reporting. The account is still on my credit despite my previous request for the deletion. I contacted XXXX XXXX XXXX XXXX and they stated that the account is not open and should not be reporting to my credit file. XXXX XXXX generated documentation as proof that I was removed from the account 2 years ago and that they can not update XXXX or Transunion because I AM NOT ASSOCIATED with the account in question. The account number is XXXX and the creditor is XXXX XXXX XXXX XXXX. The amount is {$20000.00}. Please delete the account immediately!

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 2023-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
XXXX paid Loan Care the back arrears in XXXX of 2022 and they also paid 3 months mortgage payments in advance. They sent an award letter to Loan Care letting them know the amounts that they were paying at that time which they stated were {$620.00} per month which Loan Care agreed to, but the payment amount was actually {$920.00}. So in the meantime the mortgage amount of the mortgage being in default has been steadily growing each month so that now it is {$5300.00} behind. Now keep in mind that I have called Loan Care several times and XXXX has sent them several letters asking for XXXX XXXX letters but they are ignoring the requests. 

XXXX has now said that there is nothing more that they can do and I do not know what to do. If Loan Care would just send them the Loan Modification letter it would be straightened out.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
My account was opened XX/XX/2023. My account closed on XX/XX/2023. At the time my account closed I did NOT have any balance. I received no statement for XXXX, no balance prior to my statement closing. I have no payment due in XXXX because when my statement printed in XXXX I had no balance. Discover improperly reported a balance on my credit report on XX/XX/XXXX, if though I did not have a balance nor a statement showing a balance or payment due. Discover must remove the improper {$210.00} balance that is reported to my credit report!!! LENDERS ARE ONLY SUPPOSED TO POST STATEMENT BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: RI

Complaint narrative:
I was recently became aware that All Debt Solutions , Inc. is attempting to collect a debt on a previous account that has been paid in full. Services with XXXX XXXX XXXX XXXXXXXX were complete and all payment was rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX XXXX XXXXXXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I want to file this complaint with CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME XXXX Account number XXXX Open/closed Closed Date opened XX/XX/2020 balance 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i requested the companies to remove inaccurate and unfair information from my credit report. these late payments appearing are not accurate. i requested for the companies to investigate the late payments since they were negatively affecting my credit worthiness for the worse. 
also i asked them to remove any old and inaccurate addresses as well that i am unaware of or not associated with

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i requested the companies to remove inaccurate and unfair information from my credit report. these late payments appearing are not accurate. i requested for the companies to investigate the late payments since they were negatively affecting my credit worthiness for the worse. 
also i asked them to remove any old and inaccurate addresses as well that i am unaware of or not associated with

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have seen that this company have been fraudulently charging me when the account has been closed forover a year now, it is also showing incorrect dates on all three of the credit bureaus according to the datesshown on each account, i will like this to show this as removed.

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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OH

Complaint narrative:
The contract clearly State XXXX XXXX and the address is for XXXX XXXX. I have never lived on XXXX XXXX and I am not XXXX XXXX, That is also not my Social Security number. This debt is not Validation for them to try and collect. This company is violating Federal Rule of Civil Procedure 60 ( b ) ( 6 ) ( " Rule 60 '' ). This company is violating the Fair Debt Collection Practices Act 807. False or misleading representations, 812. Furnishing certain deceptive forms. They have provided no proof of Validation of debt.

Violating 805. Communication in connection with debt collection 812. Furnishing certain deceptive forms ( Provide forms that the contract was written for XXXX XXXX ), 816. Relation to State laws ( Has no right to operate in Ohio ), 805. Communication in connection with debt collection ( continued to text me after they were told to stop all communication ). I still have all messages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Good morning, I entered into a purchase agreement with a Seller for XXXX XXXX in XXXX CA, on XX/XX/XXXX XXXX .I was given a pre approval letter by the seller 's preferred Lender Loan Depot on XX/XX/2022, with Lender credits for XXXX XXXX  if Loan Depot was used. Construction got delayed and seller gave me cash credits for {$7500.00} for the inconvenience caused, but tied it again to Loan Depot. 

Loan Estimate was issued on XXXX and Adverse action notice was issued on XXXX. 

Seller first wanted to keep my earnest deposits of XXXXXXXX XXXX XXXXhen wanted to return it and cancel my purchase agreement. 

I am not being allowed reasonable time to find alternate financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Debt Solutions Inc.
State: CA

Complaint narrative:
Century Debt Solutions , Inc. called me about XXXX XXXX XXXX XXXX where they never installed a garage door and took my {$2400.00} deposit and never paid it back. Now the owner of XXXX XXXX contacted this corrupt collections company to go after the deposit they owe me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
When I miss placed my credit card, I called the issuer American Express ( Amex ) and they issued a replacement card. I started to use the card and I setup the online account and I paid my first statement on the due date XX/XX/2023. I kept on using the card after I requested my due date to be changed to the XXXX of each month to arrange my payment to other cards I had. On the following month of XX/XX/XXXX, I attempted to make full payment to what I owe but I found ( Amex ) considered my payment was late and provided me with the next month due date which included late fee and interest. I called the customer care and explained everything and asked them to credit my account so I can make my payment but he answered that he tried but the system couldnt accept his effort because I had one late fee removed before which was not correct. I asked to speak with a supervisor and I explained everything again and his answer was the same so I told him I wasnt happy with his bank and I felt they are imposing unfair banking practice to inflate their profits. I called again on XX/XX/2023 and I told the associate that even though I was not happy but I make a full payment to avoid any future consequences of excessive charges and he promised me to upscale my complaint to the highest level to investigate then they will get back to me with their finding!! What adds more problems is now they are charging me extra interest because I missed my ontime payment before so my question to the customer care rep what I wasnt informed by the internet when I made my payment he kept apologizing but couldnt credit it that is a steel and XXXX off Please help! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TX

Complaint narrative:
This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland credit management is reporting a collection account to my credit reports for a XXXX XXXX card that I never had. In addition to the debt not being validated/verified after disputing, it has remained and the amount owed is being increased over time. I have never heard anything from this company and this fraudulent account is preventing me from qualifying for a mortgage. 

The original amount they reported on XX/XX/2019 and now the balance is showing {$620.00}. There is no original account on my credit report because I did not have this card ever. I have asked for all documentation showing that 1 ) This account actually belongs to me and 2 ) Midland Credit Management actually has the right to collect money from me and I have not received this information. Due to these facts, this account should have been deleted. 

This account is inaccurate, in violation of the FCRA and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: NC

Complaint narrative:
I have tried for several months to explain to Albert Genius that I can not close my account. They advised that I needed to completely withdraw funds from my account. I no longer have the account with chase that was originally linked. I linked my new bank account but it will not allow me to transfer. I have contacted them and they are unwilling to help. I have asked them to close this 4 months in a row and they continue to hold my funds and also charge me a monthly fee of XXXX dollars. I would honestly like this to be closed and my XXXX dollars refunded for the months that I have been trying to close this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX.IS A DEBT COLLECTOR WHICH IS TRYING TO COLLECT ON A DEBT, THAT MY INSURANCE SHOULD HAVE ALREADY TAKEN CARE OF, ME BEING ON MEDICARE WITH ALSO A SUPPLEMENTARY INSURANCE THROUGH ANTHEM. THEY ARE CLAIMING I OWE XXXX FOR REFERENCE # XXXX. IF SOMETHING IS OWED, THIS COMPANY SHOULD TALK TO THE INSURANCE COMPANY NOT ME. I WANT TO DISPUTE THIS ON MY CREDIT FILE, AND HAVE IT NOTED AS SUCH, AND REMOVED. ALSO IM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED BY THESE SCAMMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: NY

Complaint narrative:
I have accounts and inquiries that are inaccurate and need to be removed off of from my report asap!

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 Transunion added a derogatory mark on my credit report showing a bankruptcy being furnished from the courts, But TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Transunion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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