vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.

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 2022-11-02 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: TX

Complaint narrative:
There are accounts in my report that are fraudulent and outdated. I wanted them removed so I sent out letters disputing them. It has been more than XXXX days, but I did not receive any response from the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
On XX/XX/2017 I was notified that Carter-Young had added a collections account to my credit without any prior communications. I have contacted this company on numerous occasions but they have refused to remove this illegal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Contacted company XXXX XXXX XXXX explained that I didn't know about debt and it wasn't mine. Do not know when it was added to my credit file {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXX XXXX Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX  Type Credit card Terms XXXX  Credit limit or original amount {$300.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX *THIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!

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 2022-11-02 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: FL

Complaint narrative:
This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXX XXXX  Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX Type Credit card Terms XXXX Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXXTHIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/31, I attempted to login to my Citi account that I have used for years and received an error message. I also received an error message when trying to login on my phone. I contacted Citi support and followed their troubleshooting steps but was still not able to access my account. 

A quick search online reveals a significant number of other people have had this issue due to Citi having poor IT infrastructure. I am still not able to login to my account or pay my credit card bill.

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 2022-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2022, applied for a personal loan through the www.onemainfinancial.com website in the amount of {$1500.00}. After entering my personal information credit was ran and pre-qualified for a 'secured ' loan for up to approximately {$7000.00}. The secured loan turned out to be a Title Loan, sort of a refinance with cash-out, similar to a refinance on a home loan refinance. 

The insane part was that after calculating all the costs the representative came up with an interest of up to 30 % if they were to payoff my car loan with my current lien holder and provide me with the cash out of {$1500.00} that I applied for. My current interest rate is at 4.33 % with my current lien holder, no reason to change that to a 30 % interest for just {$1500.00}. Of course I declined the offer without even considering their approval. 

This is a despicable for some one who just needs an extra cash of {$1500.00}. 

The branch that handled the call is located at XXXX XXXX, CA XXXX, phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
I received a card in the mail and was unsure why. I read on XXXX it could be anything from a promo to government benefits or money owes from previous jobs. I spoke with two people in customer service who were very well coached to not give me any answers except to activate my card or close my account. I said I didn't want to sign up for anything, but didn't want to close the account without knowing if someone was sending me money. They informed me they can't tell me unless I activate the card. I asked if they send promo cards and they would not answer me. I have no idea if I am supposed to activate this card, but it sounds like a scam to get me to sign up and well coached customer service who can only answer questions if I sign up.

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 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I lost my job during the pandemic in addition to my husband leaving and eventually a divorce. I had a true financial hardship, this all started pre-pandemic in XXXX. 

As the pandemic hit and courts being closed and bank representatives not available as during pre-covid times. I was continued to be told the same thing by the bank representatives, that I need not worry and that at the moment the foreclosure would not be an issue and that once things normalized I would be given the opportunity to have the matter resolved. 

At some point I believe in XXXX the foreclosure was filed. I have tried endlessly to come to a resolution with the bank XXXX  to no avail. Now I heading toward my final court hearing/conference on XX/XX/XXXX and despite my multiple requests for resolution, everything from a modification to a proper breakdown to understand how we got to these figures. I was even granted a XXXX state XXXX to bring my loan current and since there is still a shortage of approx. XXXX, they aren't willing to work with me. 

I really need help in saving my home. I have been in this home for about XXXX now or somewhere abouts. I am back to work and can afford my mortgage, I see no reason for the bank to not want to come to an agreement with me. 

Please help!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: FL

Complaint narrative:
Contacted company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. I don't know when it was added to my credit file {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-02 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.

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 2022-11-02 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: FL

Complaint narrative:
This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: CA

Complaint narrative:
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
I pulled up my report from Transunion and discovered there several had inquires, that I have never authorized. They are result of fraud activity. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
these are items that must be deleted from my report as a fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have included for support my statement : copy of FTC report, SSN card, proof of address, copy of ID.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony PayPal MasterCard. They collect the money and put the balance on hold for 15 days, I was never informed of such a policy and I have bills on this card that are now blocked. 

The worst part is that they say this is the first time I make a large payment which is not true. The customer service team says that Synchrony is able to hold funds but they are not able to unblock it. 

When I asked for a reference number from the conversation with their customer support, they shared that Synchrony does not support that and asked me to send a " mail '' to their po box with tracking as proof.

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 2022-11-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax fraudulently reported XX/XX/2022 balance of my XXXX credit card for XX/XX/2022. 

XXXX XXXX XXXX Report Date : XX/XX/2022 Reported Balance {$3000.00} Credit Limit {$5600.00} = Credit UtilizationXXXX % It was reported with a Balance of {$230.00} on my XXXX credit report on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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:
On XX/XX/XXXX I sent a dispute with Experian about a collection on my report that was under request for validation from a debt collector ( XXXX XXXX ). Experian then proceeded to start an investigation with the debt collector. On XX/XX/XXXX Experian updated the dispute and stated that the debt collector verified the debt. However, this is not correct regarding the validation process. The debt collector failed to validate the debt by XX/XX/XXXX the validation deadline WITH a signed contract that states I am the bearer of the debt. Along with the California state license number to collect debts in the state that I requested. Along with the proof that they are the official owners of the debt. The debt collector sent a debt verification that contained details of the original creditor and my name and address. That is not enough information to prove validity. This debt is not mine and they have yet to provide adequate proof for it to be on my report. The Debt collector failed to provide all the information I am entitled to within the allotted 30-day window. As stated under the Fair Debt Collection Practices Act. ( FDCPA ). As such I would like Experian to take down the collection within 30 days if they can not provide time-stamped proof from the debt collector ( XXXX XXXX XXXX ) that I received a proper debt validation with my signature and their CA license number to collect debt in the state. This would also include paperwork on how much they paid for the debt. I would like all the documents that were provided to Experian in the investigation to see if they coincide with what the debt collector sent 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 non-monetary relief
Consumer complaint received 2022-11-02 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
There is a collection on my credit report from receivable performance for {$2800.00}. I do not owe them any money whatsoever I never did business with them. Also there is an open account in good standing on my XXXX credit report XXXX XXXX XXXX XXXX I dont know what that is or how it got there! Also I see a bunch of inquiries that should not be on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is the last one. Now Im disabled and I have a XXXX XXXX  XXXX so if they have some kind of proof that I could have did this stuff then it can stay but I am pretty sure I did not. Can you help me please

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 2022-11-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The PAY HISTORY is incorrectly showing as a Repossession in XXXX of XXXX. This was paid/settled in full in XXXX of XXXX. This is grossly damaging my Fico Auto score Payment history guide Repossession as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Show less Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 33 Months Credit limit or original amount {$9700.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount Not reported

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