vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
UNAUTHORIZED INQUIRIES FROM THE FOLLOWING ENTITIES ON SPECIFIC DATES. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: GA

Complaint narrative:
UNAUTHORIZED INQUIRIES FROM THE FOLLOWING ENTITIES ON SPECIFIC DATES. 

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 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 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 2023-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
During the months of XX/XX/ my XXXX XXXX XXXX card was lost. I canceled and ordered one it never arrived and so I ordered another one. XXXX sent an update to all consumer reporting agencies concerned advising them of my new card info and that they should all update my card info. Equifax was the only agency that reported that my account was closed completely. I called XXXX and they advised me, in no way shape form or fashion did they close my account. To my detriment my credit score dropped XXXX points because of Equifaxs unconscionable and neglectful act which caused me to loose opportunities with another credit card company to lower my interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested a Credit Report in XX/XX/XXXX and noticed there was a charge off/ account listed from Bank America , it was also reporting an address " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I have no knowledge of nor association to. I have NEVER traveled to, lived or known anyone in MA. On XX/XX/XXXX, I called Bank of America to see why they were reporting this address and this debt. I spoke to the fraud department who advised they were unable to assist over the phone and i had to visit a branch and submit two IDs. I advised the lady XXXX XXXX XXXX XXXX XXXX XXXX and there were no Bank of America branches anywhere close by or located in my area. On XX/XX/XXXX, based on some videos I watched on XXXX advising of what a charge off is I wrote to them asking them to send me a 1099c as required by law when a debt is charged off. This was sent via usps Certified Mail with a Green Return receipt and Tracking Number : XXXX with a green return receipt, Tracking number : XXXX. I did not receive back the return receipt but the tracking shows where the letter was received by a person on XX/XX/XXXX. It has been past the mandated FCRA 30 day period and I have received no feedback from Bank of America. 

I made a report on the FTC and On XX/XX/XXXX, I also sent them a letter advising them of suspected identity theft on my account based on the balance which I am unaware of and the address it is reporting which i have no knowledge of or association with. This was sent via usps Green Return Receipt, Tracking # : XXXX. Return Receipt # : XXXX. This was delivered on XX/XX/XXXX. I have received no communication at all from Bank of America on either correspondence.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
My statement dated XX/XX/XXXX stated that my minimum payment due was {$92.00} and I needed to pay {$200.00} to avoid paying interest on my PayPal Credit balance by XX/XX/XXXX. 

I paid {$92.00} on XX/XX/XXXX and I paid {$200.00} on XX/XX/XXXX. 

The {$200.00} should have been applied to XXXX XXXX in the amount of {$81.00}, which consisted of 2 late fees at {$40.00} each plus interest, and to a No Interest If Paid in Full charge in the amount of {$120.00}, consisting of the remainder of a deferred interest promotion plus interest. 

Instead, the {$200.00} payment was applied to another deferred interest purchase, which was not due until XX/XX/XXXX. 

When I paid my next bill, I paid the remainder shown on that deferred interest purchase, in the amount of XXXX, as shown on the PayPal credit website, unaware that my previous payment had not been allocated correctly the previous month. 

This confusion caused me to unknowingly carry a balance and accrue more interest under " standard purchases ''. I had signed up for paperless billing and detailed statements were not available to me to understand how I was being billed. My statements on their website would not even upload. It was not until I had paper statements sent to me after calling to inquire why my balance was listed as higher than what I owed on a deferred interest charge that I was able to figure out, with much difficulty, what had happened. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about their hidden statements on their website, and have not yet received a response from the company. 

On XX/XX/XXXX, after receiving the paper statements, I called and requested that the interest I have been charged because of their misallocation be subtracted from my bill. They said they could only subtract one month 's interest. I said this was not satisfactory. They continued to claim that the interest charges were valid and hung up on me.

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 monetary relief
Consumer complaint received 2023-04-10 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: Self Financial Inc.
State: FL

Complaint narrative:
On my Self Visa reporting credit card reports twice on separate dates but both should reflect the Statement date amount but does not. The XXXX at 0-10 % utilization but XXXX  XXXX is showing the amount AFTER I pay my statement date as % XXXX. Its a small credit bureau user hack ( hidden factor ) that has been weighing my score down for years!! It may be intentional or purposeful as it should reflect the amount on my statement date it reflects the amount after I use the credit after the statements date. Self Visa app reports may be behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : XXXX. Deletion from all consumer reports XXXX. Clear away any alleged balance owed XXXX. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond. 
Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this 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 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: UT

Complaint narrative:
I am in a paying status and they will call me every day and XXXX XXXX will leave me a voice-mail every single day. When I call they told me they dont know why she called cause I'm paying. Then I got a letter saying I am not trying to resolve this and I need to pay XXXX of my balance right away to show my intention. I got that letter today and then they took my payment out today as well. I being repeatedly harrassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XXXX, I entered Citizens bank to withdraw my money from my savings account. There was a teller by the name of XXXX XXXX who was assisting me with withdrawing money from my savings. Everything was completely fine. I even signed my withdrawal, slip to take my money out then Then teller asked the assistant manager XXXX XXXX to assist her with the transaction. The assistant manager looked at me with hate and disgust for whatever reason, I have no idea Then, suddenly, with a grin on her face, she decided to tell me I cant get my own money from the bank. I asked her what is the reason when I teller was half way through the transaction and everything was fine. She continued to tell me I cant get money out and made up a random lie saying my account has been red flagged. It was the end of the day and the bank was about to close so the only thing I had left to do was call Customer Service. I was told by Customer Service everything on my account was just fine and I am able to withdraw money from my account with no issue. I went back the next day to do the same transaction all over again I was greeted by the same worker XXXX XXXX XXXX once again. XXXX came out to tell me again I can not get money from my account even though I had my ID, answered all the security questions for my account, like I did the day before. This time she tells me I have a red flag on my account & I cant get money out and Im answering the security questions wrong. I knew for sure the answers to the questions were right because I answered them previously. Now Im confused wondering why shes giving me a hard time about getting my own money out of my account. I realize its most definitely racially motivated because she had a nasty attitude when she first saw me the first time and decided to do anything in our power, to withhold me from withdrawing my own funds from my account. So I leave the bank and decide Im going to go somewhere else. I left the bank and went to another Citizens five minutes away, and they were able to help me with no problem at all. Hours later, I get a phone call from the police department, stating that i was threatening a teller. None of this ever happened. I was never violent or threatening anybody. She made up a lie to keep me from getting my money and now I can not walk on the premises. Two weeks later, I received a letter stating my savings account will be closed and Im no longer allowed on the premises, and that my account will be inactive. Im so confused because Ive had this account with no issues for over 10 years and now Im being threatened with my account being closed and Im unable to walk the premises or get my money out of the bank. 
This is completely wrong, and I am in disbelief

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are too many credit cards open on my credit report to put on here. Credit cards that arent mine and Ive never even heard of. This person has ruined my credit score and has also stolen my identity.

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 2023-04-10 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: MI

Complaint narrative:
XX/XX/2023 submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, Transunion and XXXX still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your 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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt has remained on my credit report, and I have no knowledge of this debt. It may have been opened by my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under I have the rights to privacy. 15USC - 1681 section 602 states I have the right to privacy. 

15USC 1681section 604A section 2 it also states, A consumer reporting agency can not furnish my account without my written instructions.

Under 15UC-1666b a creditor not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I need XXXX to verify how they are reporting this account as verified when I called NCA myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.

Company response to consumer: Closed with explanation