vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company.

You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( MyFICO ) and others who furnish third party disputes free of charge, etc. 

Please investigate if every piece of information is correct. If not, please remove it from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: HI

Complaint narrative:
I opened a checking account over 1 year ago with KeyBank back in XXXX. They had a promo where Id get a bonus of {$100.00} if I met some requirements. I have met the requirements and received the {$100.00} bonus. However, they sent me a XXXX form for {$300.00} instead of the {$100.00} I received for the bonus. I contacted them and asked them to amend the XXXX form as the amount was incorrect. My first contact was on XX/XX/2023. I was told that they would amend the form and it should be available on their website in a couple of days. A few days went by and no form was loaded. In XXXX I contacted them again and this time was told they had to send the amended form by mail. Due to the tax deadline, I had to submitted my tax return in good faith that they were sending me the amended form. However, I still have not received the form. I contacted them again yesterday and this time they are telling me that because I also received a t-shirt as part of the bonus promotion, they are valuing the t-shirt at {$200.00}!!! I was never told that when I opened the account. I even checked my documents. I was also never even given a chance to pick a size for the T-shirt! I was sent a XL shirt with a KeyBank logo! They cant make up value like that and overvalue this at {$200.00}! A t-shirt I can not even wear! Are they crazy?! I believe this is misleading and tax fraud and Id like to either receive the {$200.00} bonus or receive an amended XXXX form as it was promised to me twice before they decided to make up this excuse. Id like to also receive a {$50.00} compensation for the time I had to take to follow up on their mistake. All my contacts were via online chat and I have the prints of all the conversations where I was told multiple times that I would receive an amended XXXX form. I am very disappointed at this bank, their lies and bad customer service!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: IN

Complaint narrative:
I was alerted to National Recovery Agency after receiving a random text message. The text message was sent and contained personal information in the text message. I decided to do some research on NRA and meanwhile received a second text message. At no point was I ever contacted via mail about this debt. Only text message. I found out this was for a debt that another debt collector had closed collection on because the originator had my balance at owing {$0.00}. I sent a letter to the e-mail they provided in the text on XX/XX/XXXX asking for verification information including the original statement showing I owed as well as other verifying information. I finally got a response on XXXX that was extremely rude saying they only had to send me a bill and ONLY a bill and that was it. The man, XXXX XXXX, said he would send it to me after he received it from the originator. So NRA started collecting on a debt that YOU did not even have any verification for? Additionally, my request to see that they are licensed to collect in my state was denied, along with other information my letter asked for. I received a bill in the mail with only 2 days left to go in the 30 day mark and the bill does not match my online account. My account with the creditor says I owed {$0.00} as of XX/XX/XXXX. I moved from this location in XXXX of XXXX. XXXX says they have no record of me owing. Additionally, the last debt collector closed the collection.

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 2023-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is in violation of two Federal laws in regards to a charged off credit card : XXXX. The debt is alleged. 15 U.S. Code 1692a ( 5 ) : The term debt means any obligation or alleged obligation of consumer ( me ) to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

XXXX. I don't have liability for the credit card debt. 15 U.S. Code 1692g ( c ) : The failure of consumer ( me ) to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer. 

In addition, per contract law, credit cards are NOT negotiable instruments, which means they can not be sold or transferred, yet Bank of America did sell/transfer the credit card to multiple debt collectors.

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 2023-05-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX finance is account is closed and 7 years and 2 months old. Balance is XXXX. No payment history. Why is this still showing on my credit report??? What is this showing the credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX cst went online to Transunion.co and tried to pull credit report but received error message stating " We're unable to complete your request online '' I then called a customer service agent and I was told that they would deactivate my account and I would need to register again online. I did exactly that and and I still am getting the same message. Called back and was on hold for 30 minutes and then the phone hung up on me. 
I reached out to their online chat and I still was unable to resolve my issue. 

XXXX XXXX XXXX cst called the number they list within my online acct and was put on hold and I finally spoke to another person that told me the same thing. They would deactivate my acct and for me to re register. I did it all over again and still receive the message " Unable to pull your credit report online. Their solution is to have it mailed to me but I want to be able to monitor and pull a report every 30 days. 
They have not been able to resolve my issue and I still cant access a copy of my credit report. Please help

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 2023-05-19 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 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 explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-18 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: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
Simply told them its not mine..Im a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax is keeping a bankruptcy on my credit report and claiming that they verified it with XXXX. The issue with this is that XXXX deleted this public record from my report due their inability to verify it. 

I disputed the inaccuracy and received a letter dated XX/XX/XXXX stating that they verified the public record. I have a report from XXXX dated XX/XX/XXXX that doesn't report any public records. 

I'm not sure if this was a mistake on their end, but I think they need to be held accountable since they're reporting something unverifiable. 

I'm attaching my social security card, driver 's license, recent utility bill, the letter from XXXX stating they deleted the record, the XXXX public record page on my XXXX report, and the letter from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2023-05-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX reports alleged medical debt that is less than XXXX year past due. 
The legal definition of medical debt is debt that arose from the receipt of medical services products or devices.

I was forced to receive medical services products and devices. Thats the alleged medical debt.

It is irrelevant as to how medical debt is financed its only relevant whether it arose from the receipt of medical services.

Per law Medical Debt can not be reported on the credit report until is at least 365 days past due. XXXX continues to be in violation of this law. 
Please see attachments for the legal description of medical debt. 
XXXX failed to respond my Better Business Bureau complaint about the ledge medical debt. 
I do not want XXXX to disclose any information other than information about the medical debt and how its going to be rich move from my credit 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 non-monetary relief
Consumer complaint received 2023-05-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX reports alleged medical debt that is less than one year past due. 
The legal definition of medical debt is debt that arose from the receipt of medical services products or devices.

I was forced to receive medical services products and devices. Thats the alleged medical debt.

It is irrelevant as to how medical debt is financed its only relevant whether it arose from the receipt of medical services.

Per law Medical Debt can not be reported on the credit report until is at least 365 days past due. XXXX continues to be in violation of this law. 
Please see attachments for the legal description of medical debt. 
XXXX failed to respond my XXXX XXXX XXXX complaint about the ledge medical debt. 
I do not want XXXX to disclose any information other than information about the medical debt and how its going to be rich move from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the repeated violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) by, XXXX XXXX, and XXXX Credit Bureaus. These violations have caused significant harm and distress, and I am seeking compensation in accordance with the provisions outlined in the FCRA. Here is a copy of the letter sent to the Bureaus. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
XXXX storm hit our home XXXX XXXX  We had damage to our roof, shed, XXXX windows, and our XXXX unit. XXXX is our home insurance only gave us {$15000.00}. We sent check to Veterans United Mortgage they held most of check. We were issued a check in the amount of {$3700.00} on XXXX XXXX XXXX We called Veterans United several times asking for more money since that amount wasnt enough to purchase materials. We were advised by Veterans United to start work and submit proof of work in progress. We did so. Our contractor started the work by removing shingles and putting roofer water proof material. We have had several heavy rains and a tornado throughout this time. Supposedly a second check was issued to us in the amount of {$5300.00} on XXXX  we still have to received it. Our house and most of our items inside are damaged. Roof is still leaking from all rooms and most of our house it caved in. 
Veteran United was our mortgage company then loan got bought out by XXXX Mortgage on XX/XX/XXXX XXXX XXXX XXXX has had XXXX inspectors come out to our home. XXXX days ago XXXX issued another check directly into our account of about {$14000.00}. XXXX came out to our house and said 80-90 % of our home was damaged.

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 2023-05-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is account is closed and 7 years and XXXX months old. Balance is XXXX. No payment history. Why is this still showing on my credit report??? What is this showing the credit 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
Consumer complaint received 2023-05-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Yeah, so starting in XX/XX/ Toyota financial I had asked for an extension XXXX  of them so we did the extension but they also reported my payments late and because they reported my payments late I've been behind I received the letter later saying that it was their fault. So I was wondering if I can get those late payments remove. I was doing good because with Toyota I got approved XXXX cars last year and because of those extensions they reported late and for extensions you don't report late payments because I was told that so from XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Late payment of XXXX and XXXX because I have XXXX vehicles with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got an alert from Experian that a hard inquiry occurred on my file from XXXX XXXX I called them to dispute it and they recommend that I also file a complaint with the FTC.

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