vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$40000.00} - I wrote the creditor and they said that I was never late, so how can it be that you're reporting me as late? That makes no sense at all. 

XXXX XXXX XXXXBalance : {$66000.00} - If you can't prove that you had proof, you need to remove this late payment. 

XXXX XXXX XXXX Balance : {$520.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$920.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$370.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX XXXX XXXX XXXXXXXX - I've submitted proof that this is not my signature on the petition - you need to remove this 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 explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have an account at Capital One bank. I deposited a check from a friend for building him website on XX/XX/2020 for {$1200.00}. Capital One froze my account without contacting me. I found out because my debit card was declined and I called. The check was apparently flagged for verification. I have no idea why. The check had since cleared completely and its been over two months and capital one refuses to unlock my account or give me access to ANY of my funds. The balance of my account is {$1300.00}. They've stated that they need to call the person who wrote the check. Well ... he moved to XXXX XXXX. I haven't been able to get a hold of him yet. It's been two months now, I have an eviction notice and I'm going crazy. I've never been treated so baldy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ACCOUNT RESOLUTION is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Automatic Data Processing, Inc.
State: CA

Complaint narrative:
I am requesting ADP to close my checking account and they are refusing to close my account so that I am charged " inactivity '' fees they are sending me emails about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} CAPITAL ONE XXXX Balance : {$490.00} XXXX  XXXX XXXX XXXX Balance : {$7300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Foreman Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$490.00} FOREMAN FINANCIAL INC XXXX Balance : {$7300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
Transworld Systems I is reporting a fraud collection account on my credit report. I have disputed this fraud account several times with the creditor and the credit bureaus. This is a violation of the Fair Credit Reporting Act. The debt is in the amount of {$430.00} and the address associated with the address is XXXX XXXX XXXX XXXX, TX XXXX. I have never been to this address or been associated with this address. This is a fraud account that was opened in my name for electricity service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX  XXXX CA ) XXXX Balance : {$310.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$490.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$490.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc
State: NE

Complaint narrative:
The collection company National Service Bureau is reporting a fraud account in the amount of {$1600.00}. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a fraud account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

AAMS ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

LVNV FUNDING LLC XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: LA

Complaint narrative:
My mortgage company has been some my advance payment a miscellaneous account then telling me I'm behind I notice that since the pandemic a lot of good company people are doing bad things like fraud and embezzlement has become a common practice here in the South their are systematically discriminating in handling people Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My vehicle became a total loss in XXXX of 2020. My insurance have issued a total of 3 payments in order to resolve the issue. However the checks are being rejected and no one has given a reason as to why. Also I relocated in XXXX of 2020, and I updated my current address at that time and Ive never received any correspondence of any type until XXXX, after I sent a few emails to total loss trying to get answers and I put all information that i assumed was needed in the email in hopes that things would her done & there would be no excuses. Still no response to emails or no contact to discuss the issue with the returned checks or emails I had sent regarding the delinquent amount on my credit report. Ive never spoken with BBVA total loss department, only collection who had no knowledge of anything that was going on.. I have call and sent emails. In XXXX was when i received a credit alert saying that {$3600.00} was 30 days pass due as of XX/XX/XXXX. I dont know what this amount is and Ive contact BBVA loan department and no one is able to explain and suggest transferring me to Total loss who never answers. Just recently Ive received a notice in the mail and Im still puzzled because theres been a third check reissued in attempt to pay out the loan and the delinquent notice i received this month doesnt match what is on the credit report. This is a lot to type m, all Im asking is that this mess get cleared up, payments applied like they should have been months ago and my credit is cleared up with this outrageous delinquent amount. I do not understand how all this can happen with zero communication. Im finding out that checks arent being applied because i call and the automated system give me the full loan balance, less the gap payment that was also under paid because of BBVA giving wrong information. I was not aware of a {$3600.00} delinquent payment that has be placed on my credit i have no clue what that amount could possible be and no one has called or sent any notice about it. BBVA has failed at handling this total loss.. they have been issued a total of 3 checks not 1 but 3, 3 different times, in the same amounts and they cant seem to apply anyone of them to pay this loan off. I have never had a delinquent payment over the coarse of the loan never! Ive paid the loan even during hard times.. Durning my layoff due to Covid I had 4 deferred payments and that has been paid. I was never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
RE : Closed Complaint # XXXX Bank of America presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as 30-day late payment XX/XX/XXXX to 30-day late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a 30-day late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to Bank of America for the XXXX and XX/XX/XXXX were recently resubmitted to Bank of America via XXXX in XX/XX/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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.

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