vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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 was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this

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 2023-04-18 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 was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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 was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IN

Complaint narrative:
I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, Transunion and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus Equifax, XXXX and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
15 us code1635 right of recession gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures. 


I dont have title I don't want account any longer don't have proper paperwork don't want contract any longer voluntarily repo Can't get the car registered fail behind in dmvs fees due to inaccurate material disclosure... please take the marks off my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i was never late on the payoff account with Chase home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Report inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: DE

Complaint narrative:
Report 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 explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Im a XXXX resident and citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at XXXX XXXX. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named XXXX in XXXX. 

After waiting more than 29 business days and no acknowledgement that XXXX received my money in their XXXX XXXX checking account, I contacted my bank to issue a wire trace. My bank informed me that Citibank, which is the intermediary bank in my wire transfer, has stopped my payment for internal compliance. 

Citibank has not been responsive in resolving whatever compliance review they are conducting for my wire payment to the beneficiary bank, XXXX XXXX. 

Can someone please help me with Citibank to expedite this compliance review? My transaction is highly time sensitive and I will incur a significant loss in equity if this is delayed further.

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 2023-04-18 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: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-19 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: MI

Complaint narrative:
On XX/XX/2023 I sent a dispute letter to Congress collection disputing a debt that they had reported to Experian in the letter I asked Congress collection to validate that this alleged that belongs to me and also ask for copies of all the documents that they used to validate this debt it was been more than 45 days but I have still not received all the information that I requested from Congress collection the fact that Congress collection has not responded to my dispute request isn't admission by silence this lack of response to my dispute letter and validation request is a gross violence of 15 U.S.Code 1692g which stipulates that debt collectors like Congress collection should provide consumers with all the documentation that they ask for it is also important to note that the reporting of this debt is a blatant violation of FDCPA 1692g as it was reported by Congress collection to experience even though I did not receive any written notice of it from Congress collection the reporting of this inaccurate and unverifiable debt in my credit reports is also a disregard of FCRA section 623 ( a ) ( 1 ) ( A ) which requires that only accurate information is sent to the credit rules by companies like Congress collection I have a attach the dispute letter that I sent to Congress collection and that contains the unverifiable debt that needs to be deleted by 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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: WA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX ( XXXX XXXX ), Account name : # XXXX ( XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-18 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$540.00},, XXXX XXXX XXXX XXXX XXXXXXXX, CONTINENTAL FIN CO. # XXXXXXXX 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, these were settled years ago but change and sold to several other companies. Delete 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 2023-04-18 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PA

Complaint narrative:
i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX Bank to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account # XXXX XXXX XXXX XXXX. 


My SSN is XXXX XXXX discover card number XXXX XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have now received 5 phone calls from XXXX XXXX at ( XXXX ) XXXX They stated their address is XXXX XXXX XXXX XXXX, PA XXXX They told me multiple times they are trying to collet a debt, but i have no debt or outstanding bills. They refuse to tell me how they got my number or who the person they are trying to call. This is very frustrating since I worked hard to pay my bills and I pay them on time. I have checked XXXX XXXX and all three credit reporting services and no debt or credit shows any issues. 

This needs to stop and stop now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a HELOC with Bank of America that I obtained in XXXX. In XXXX of XXXX it appears they opened a checking account for me without my permission and now they're charging me maintenance fees on it because I do not use it. I don't have time to make an appointment with a branch or sit on the phone with customer service and I think they're taking advantage of that.

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 2023-04-18 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: IN

Complaint narrative:
I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and Experian to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :

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 2023-04-18 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: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18 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: NC

Complaint narrative:
I am writing this complaint to Capital One Auto Fin. 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 has 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 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times Calls on Saturday 's and Sunday 's and when I attempted to discuss the debt, I was cursed at and told I was a XXXX XXXX XXXX XXXXXXXX because I could not afford to pay the bill. 

I tried explaining it was due to a divorce and is my ex-spouse responsibility, but was told they hear that every day and just didn't care for any excuses. 

I have no idea who they are collecting the debt for, as I was never notified the debt was sold?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: LA

Complaint narrative:
I received a letter from RMP services on XX/XX/2023 at my request of verification and validation of said amount owed of {$900.00}. I told collector that the amount they are alleging I owe is incorrect. I noticed that the balance is astronomical and ask if I could get a complete breakdown/itemized copy of bill and the amount this company alleges I owe. I sent them a certified letter on XX/XX/2023. I received a letter back on XX/XX/2023, but it was not an itemized bill nor was it verified nor validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: LEXISNEXIS
State: DE

Complaint narrative:
My Name, Address and other information being reported inaccurately. I have disputed things I was told you investigated and the information was accurate. You are giving my private and false information with out my knowledge or consent not only is it identity theft and fraud its against the the law. FCRA 609 ( 15USC 1681g ( e ) ) also you investigation should have been you contacting my neighbors, friends, family. Please send me names, phone number and address of anyone you spoke to. The CRA or Debt collector can not be the entity that gave you information that claim you investigated and claimed to be acutely investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX account number # XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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