vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: CA

Complaint narrative:
XXXX, Equifax, XXXX have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX & XXXX XXXX  who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that XXXX, XXXX, and equifax are committing onto me which is continuing to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dispute for a refund due from XXXX online store. Purchase made in XX/XX/2022 but has not been refunded to this date despite XXXX saying they would refund. 

A dispute attempt was made but then reversed after all the requested information was provided to bank of the west. Bank of the west then reversed the credit and requested more information. The information was provided, the bank then requested more information and that information has been provided to them. The dispute however was not restarted. 

XXXX is telling to wait another week for a refund " to be processed '' but this keeps happening every time I contact them week after week. The merchant does not dispute a refund is owed. Bank of the west dispute employee XXXX XXXX has all the information she requested but at this point nothing seems to be progressing in terms of restarting the backcharge. The amount is XXXX XXXX order numer is XXXX XXXX CASE 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 2023-04-30 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: OH

Complaint narrative:
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.

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 2023-04-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: OH

Complaint narrative:
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.

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 2023-04-29 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: CA

Complaint narrative:
Experian, XXXX, XXXX have not removed this fraudulent account from my credit report. " XXXXXXXX XXXX XXXXXXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX XXXX XXXX XXXX  who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud.

I am now demanding Experian to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that experian, XXXX, and XXXX are committing onto me which is continuing to cause me harm.

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 2023-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I recently opened a high yield savings account with Citibank using an online application after seeing it advertised on the Citibank website while managing my Citibank Visa which I have had for many years through Costco. This was the second time I attempted to set up a a savings account with Citibank. The first time was in XXXX of this year and I had an issue receiving mail at my physical address as we didnt have a mailbox and only a XXXX XXXX XXXX That account was flagged and not opened because that issue. The second time, I was able to get the account opened as I could receive mail at my physical address. After waiting a while, receiving several emails requesting I fund the account, and receiving a debit card, I funded the account by transferring funds through the Citibank app from my credit union account into the new savings account. The first amount I transferred on XX/XX/23 was {$1000.00}. I then initiated another transfer earlier this week in the amount of {$100000.00}. Yesterday I attempted to log into my account on the Citibank app and was told my access was denied and given a number to call. I called the number and got transferred to the security department. The person in that department said that my account was closed permanently due to a VPN issue ( which I dont understand ) and I would not be able to ever open an account with them. I got no other explanation and when I asked when they would transfer my money back to my credit union, they informed me that they wouldnt deal with me and that I had to call my credit union and have them deal with it bank to bank. I was told my credit union would need to call XXXX and choose option XXXX. They would also need to file a Hold Harmless to get the funds returned. When I called my credit union they said they had never heard of such a thing. I was told by my credit union the funds were transferred through Citibank and they had no way of stopping the {$10000.00}. XXXX transfer from earlier in the week. I have not heard back from my credit union. I dont know what to do as Citibank wont talk to me. Please help! Thank you!

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 2023-04-29 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: Nelnet, Inc.
State: PA

Complaint narrative:
I just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$38000.00} on my report as being past due on XXXX in XXXX as 120 days late. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: WI

Complaint narrative:
Experian is reporting Fraud accounts on my credit report, making it complicated for my future goals of refinancing our home & buying a new car. I previously sent Experian several letters for several months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} XXXX XXXX acct # XXXX {$1200.00} XXXX XXXX acct # XXXX {$820.00} I was a victim of Identity Theft & I have already uploaded a copy of the FTC on Experian.com. Also, XXXX XXXX XXXX XXXX have corrected these errors & removed all of these fraud accounts & Experian is still reporting Fraud. All 3 bureaus are supposed to be reporting the same accurate info. Experian is violating the FCRA for reporting fraud accounts. Also. Experian is reporting inaccurate names, address, phone numbers & employees. Thank You.

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 2023-04-29 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: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
I do not owe AWA COLLECTIONS anything because I did not sign anything with them. Nor am I aware of owing them anything because they never loaned me any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Hello, This complaint is in regards to the late payment reporting on my credit report on XX/XX/2022. I would like to let you know that during the timeframe of the late payment having happened, I was diagnosed with XXXX and got very sick. As a result, I was unable to attend work for close to a month and I had to call creditor 's to make adjustments for the time being. My niece had made phone calls to my credit cards to let them know about the situation and how because of my illness and hospital visit, I would be unable to make this month 's payment on time. AmeriHome Mortgage WAS notified during this timeframe. I believe that by SEC. 4021 Credit Protection During Covid-19, I am protected from negative information being reported on my credit report for THIS SPECIFIC incident. I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I unfortunately fell ill during this time and was unable to make one payment on time. There was a lot going on that I had to deal with. I hope your company is able to help me move past this tough period in my life and continue doing business with me long term. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: R & B Corporation of Virginia
State: MD

Complaint narrative:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

The company failed to provide additional information and will not reinvestigate

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The Collection agence Keep saying I owe them I have all ready payed XXXX XXXX The full amount

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Past financial issues caused me to miss payments despite my best efforts to always be on time. I am wrote a goodwill letter see if BMO Harris Bank would be willing to make a goodwill adjustment to your reporting to the three credit agencies. 

During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXXXXXX XXXX XXXX, my unemployment funds were depleted and by XXXX XXXX XXXX, I was being evicted from my apartment. I strived but failed to complete payments on time. 

I asked that they understand my financial obligations and that if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts. 

I kindly asked that the company would consider this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if you could give me a second chance and make a goodwill adjustment to remove 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 2023-04-30 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:
Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on with this, The credit bureaus have Zero respect for the laws.

they need to be held accountable for their action toward consumer thanks

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