vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

My name is showing up incorrectly as XXXX XXXX for some reason. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2023 - received past due Care Credit payment notice and I paid amount {$63.00} immediately. I called the customer service number to ask how to pay and I was informed that my account was closed by Synchrony bank due to XXXX payments that were reversed. 
XX/XX/XXXX, XXXX I made an extra payment of {$93.00} and the same day, my payment was rejected. I wasn't informed, so I could rectify it. 
XX/XX/2023 - I made an extra payment of {$250.00} and that payment was rejected. I wasn't informed until I received my bank statement. That payment was resent and accepted. 
All minimum payments have been paid on time and have never been late. I've received congratulations emails for paying my promotional bills early. Both payments that were reversed were extra payments and as soon as I was notified, I quickly resolved 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 2023-03-27 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: GA

Complaint narrative:
I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: GA

Complaint narrative:
I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX 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 602 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 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have applied for compensation from Wells Fargo for wrongful foreclosure and complained to this office at the time of dusk tracking? Failure to notice, fraud in dealings and other violations of your regulations which are covered under the recent order, I have spoken with five different people who all day disparate things, I spoke with XXXX XXXX who claimed to be a 20 year veteran of WF and an executive in resolutions. He promised to send me my mortgage file and now stated it was " illegal '' I have audio recordings of these conversations, XXXX was rude, dismissive and unhelpful. I am entitled to compensation under this body 's own regulations and laws. 

I want assistance and this body to enforce ( this is what the order states ) my right to vompensation immediately. 

I want my file unredacted as well as an apology and full restitution, This is unconscionable and it is the duty of this body to enforce its own laws and the courts orders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Revovery keep insisting I owe this debt, I never borrowed nothing from them and dont how they have all my info and they harassed me all day send me letters and call multiple call daily. I am tired I try to show them I dont owed them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This creditor has been on my credit report for years. I have previously asked for validation of the medical debt and they have failed time and time again. The most recent request was on XX/XX/2023. Also, they have placed a new medical debt of {$150.00} on my credit and under current laws that is illegal. I have even tried to to simply pay {$400.00} to get rid of this debt so i can proceed with buying a house and they wont allow me to. Now, XXXX was this validated within a timely manner so i can buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: V and H Portfolio

Complaint narrative:
Company Name : Vance and Huffman , LLC Contacted me ( XXXX XXXX ) on behalf of a relative ( XXXX XXXX ) multiple times. 

- Without identifying myself, they told me they were attempting to collect a debt - Multiple times, my sister and I have both requested they not contact us or any relative by phone regarding this debt - I recorded a conversation with the debt collector regarding this, but they said they could not speak on a recorded line. I do have voicemails indicating illegal contact, however.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that need to be deleted are : XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 

My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the credit inquiries listed below. Equifax asked me to resubmit with documentation, which I did via us mail. tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX TransUnion XXXX BANK Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-03-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit and saw an account from XXXX. I never receive any correspondence about this debt or how to dispute it. I am a military spouse and my husband was recently killed overseas. I am homeless and have to find housing for me and kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. XXXX XXXX put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
Agent called saying I owed a debt and that I made a payment in 2020 but refused to send me any documentation of payment or anything that proves the debt is mine. I asked for the paperwork for the alledged account and was told I can fill out affidavit paperwork but they would not provide me anything other than the letter that stated a debt was placed in there office. Agents were very rude and and continued to rush me off the phone saying that theyve sent all theyre going to send and I can return the paper.

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 2023-03-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX 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 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 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
In XXXX, I Invoked my rights under the cares act multiple times with United Community Bank representatives, extending the forbearance program. In XXXXXXXX XXXX XXXXXXXX, when i was guided by a representative to make a payment while I awaited my next verbally agree extension, I was defrauded and Illegal & fraudulent actions were taken by United Community Bank representatives. I am DEMANDING that all phone calls from the point in time of XX/XX/XXXX when I initiated the forbearance program under the cares act through the time period of XX/XX/XXXX be formally turned over to me either by transcript or by digital form. These phone calls DO EXIST and it is my desire to prove to United Community Bank of their fraudulent & illegal attempts to damage me & my credit with malice, by reviewing these transcripts & conversations. They continue to lie & manipulate, even when facts have been clear that they have made critical mistakes in executing my rights and use of programs under the cares act. They have also been issued a bill that is past due as a result of their malice behaviors. I am DEMANDING this information be turned over to me within the next 30 days. 

Additionally, United Community has purposefully made it difficult for me to make payments by not showing clear data on their website or giving me access to making regular payments other than using a bill payment method online as a backchannel payment method that does not clearly represent the actual payment required. They have continued to lie and present to all 3 credit bureaus false payment data that has ruined my credit and my ability to obtain additional credit. This purposeful misrepresentation and pervasive attacks are being done deliberately to force me to pay amounts that have no basis and are not valid. They have added late fee 's illegally and are inaccurately driving up my payment as well as inaccurately running a false/incorrect escrow analysis report that has additionally increased the monthly payment falsely. This bank is CLEARLY doing deliberate illegal activities and as reported in the news of their financial struggles as a company, should be INVESTIGATED FULLY by the Federal Government.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NJ

Complaint narrative:
I Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At XXXX today ( central time ) I got the fourth notice of the following : BofA Security : Debit card ending in XXXX was declined because the CVV was entered incorrectly. Please try again. Reply STOP to end texts. 
From XXXX Instead of opening their link, I contacted my bank, checked to make sure all the links were correct ; attempted to order a new card, then called the number XXXX And spoke to a man named XXXX. 
He sent three texts to various my phone account, but none went through.

He then told me this was a fake number and to get a hold of the fcc.gov to report This is that 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