vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} Equifax : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX  : XXXX Is showing a balance of XXXX : {$850.00} Equifax : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} Equifax : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} Equifax : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX  : XXXX Is showing a balance of XXXX : {$850.00} Equifax : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} Equifax : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I requested on XX/XX/2023 for debt validation with my original contract and wet ink signature. The request wasnt met therefore I want the item removed and immediately dropped to XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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:
I spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I submitted a dispute through Experian about a collection on my credit report, and the result came back saying that i owe this money. When i contacted Experian about the results, they told me that the company respond with a letter saying that i owed the money without explaining what it was for, or showing prove that we did damage/stain the carpet. So Experian just took their word for it just from that letter. We never owed rent or anything, and i took my credit very serious. But i quest i have no right and i don't matter as a consumer. 
Experian didn't do their job on protecting my rights as a consumer. You can check my credit and see that i never had anything negative on my credit report. I just want them to investigate this collection properly and for the company that reporting that i owed money to show prove and not just take their word over mine.

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 2023-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I spoke with XXXX XXXX XXXXDovenmuehle Mortgage, INC back XXXX XX/XX/2023 when I realized that I failed to provide them with my new checking account information for my XXXX payment. That is my fault and I realize that I made that mistake. I spoke with a representative, I can not recall her name, but I provided her with my XXXX XXXX XXXX Checking account information ending in XXXX. She assured me that it was ok and that she would have it reprocessed for XX/XX/2023. I kept an eye out for the transaction in my checking account and did not see it. I received a notification from my old financial institution that my account was in the negative by {$9.00} due to a transaction from Dovenmuehle and I had been charged a fee for {$32.00}. 
This was in addition to their attempt on XX/XX/2023 due to my failure to provide the updated checking account information. 

When I called XXXX XXXX XXXXDovenmuehle Mortgage, INC today , the customer service associate I spoke with would not listen to me when I was trying to explain that they had tried twice to withdraw the funds from the old checking account. I gave up and asked for a supervisor. I was transferred to XXXX. XXXX was rude and spoke over me. She could not explain why I was told my correct checking account would be billed for the XXXX payment on XX/XX/2023 when I provided the new checking account information on XX/XX/2023. I felt that I could not trust XXXX as she seemed to not believe that they had attempted to withdraw the XXXX payment again or that I was told that. She wouldn't even take a payment from me. I asked to be made whole for their error and have something in writing so that I could get the {$32.00} fee from my bank for their 2nd attempt to be refunded to me. I had her spell out the email address as she refused to do anything via phone and it had to be in writing. The email ended up being returned as not delivered. I found a way to access XXXX XXXX XXXX directly and sent a message to them and have never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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 personal information with Equifax has been breached. Attached is the proof and they refused to delete these accounts. Please delete these reports immediately as I was a victim of this data breach. Delete all reports an any negative reporting including late payments. XXXX ) XXXX XXXX XXXX | XX/XX/XXXX XXXX ) XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to USC 15- 1681 and USC 15-1692 It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I Opened an account the teller open the wrong type of account I been getting charged for the past XXXX  years and it should have been no charged. Been trying to get help from Bank of America and they never had help they keep saying they will help and get to the bottom of that but never did. Until now they are saying the teller made a mistake a opened the wrong account but they can not refund the fees for the past XXXX  years they been charging and they can not explain why no one called me and helped and telling what was going on. No one ever helped me, no one called me back and they never fix their mistake and that they opened a wrong account not the one I asked for and now they just want to wash off their hands and no be responsible for anything. They opened a wrong account and been charging fees for over XXXX years and it should have been free and no one tried to help 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 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
I started receiving phone calls from XXXX different numbers on XX/XX/2023 and XX/XX/2023. First number for credence resource management was XXXX XXXX XXXX. 
Second number was XXXX XXXX XXXX. When I look up these phone numbers it says these numbers are not safe and online advisement is not to talk to anyone calling from these numbers. Credence is trying to collect a debt allegedly owed to XXXX and XXXX XXXX for a cell phone bill under my name that was sent to an address to an address in Connecticut. I have lived in Massachusetts since approximately XXXX XXXX XXXX when I moved to Massachusetts from Pennsylvania with my parents. I am requesting that Credence Resource Management cease calling me to collect a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In XXXX I opened a XXXX credit card. And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
To whom it may concern I am writing to dispute inaccurate and unauthorized information in my ChexSystems consumer report. I am concerned that this unauthorized information is causing harm to my credit score and overall financial well-being.

I have reviewed my ChexSystems consumer report and have identified the following inaccurate and unauthorized information : [ ALL Information listed or being reported without my authority that is currently on my consumer report ] I have not authorized ChexSystems to collect or report any information about me. I believe that the information being reported is either incorrect or has been reported in error.

I request that ChexSystems immediately investigate this matter and remove all inaccurate and unauthorized information from my consumer report. I also request that ChexSystems provide me with a copy of the corrected report within a reasonable time frame.

I am filing this dispute under the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights when it comes to their credit information. Under the FCRA, I have the right to dispute inaccurate information in my consumer report and to have ChexSystems investigate my dispute.

I believe that ChexSystems has violated my rights under the FCRA by reporting inaccurate and unauthorized information in my consumer report. I am requesting that ChexSystems take the following steps to remedy this situation : 1. Immediately investigate my dispute and remove all inaccurate and unauthorized information from my consumer report.

2. Provide me with a copy of the corrected report within a reasonable time frame.

3. Cease reporting inaccurate and unauthorized information in my consumer report in the future. 
I am also considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and with my local district court, XXXX XXXX XXXX XXXX XXXX. I believe that ChexSystems ' actions have caused me harm and injury, and I will be seeking compensation for my damages. 
I urge you to take my dispute seriously and to take immediate action to correct the inaccurate information in my consumer report. I look forward to your prompt response and resolution to this matter. 

Respectfully Submitted XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was never late it was in deferment. 

In accordance with the fair credit reporting act XXXX Account has violated my rights XXXX5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Navient : account number XXXX. Dates : XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I was a victim of identity theft I receive a copy of my credit report and notice an item that didnt belong to me I quickly notified my bank and had them to freeze all my accounts until further notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
Vacation rental payment total of {$1500.00} through Cash APP from my bank account and {$500.00} through my credit card on XX/XX/2023. Vacation rental was a scam purtraying to be the rental owner. Reported as a scam and my bank denied a refund due to using Cash APP. Cash APP declined my refund request / dispute and advised contacting the party I paid. Contacted the scammer for a refund and they tried to get more money before giving my refund. I have reported to police, FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My student loan was opened in XXXX my credit reports list the loan was acquired in XXXX. I finished school XX/XX/XXXX. All XXXX agencies keep replying that the information is correct. It is Not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2021 I purchased a home that needed the pipes lined and reached out to XXXX XXXX. They quoted me $ XXXX and suggested i use Service Finance Company to complete the job. I applied and was approved at a 6 % interest rate. During my application call the rep informed me that there was no early pay off penalty but these guys have made it impossible. On top of that i was diagnosed with XXXX XXXX XXXX XXXX and have been torn with paying off the loan faster or letting it go since its no easy way out my payment is like {$260.00} per month. I would like to make more aggressive payments. For example, $ XXXX which would reduce the balance and give me more time to gather funds. Their rep advised me that if i did submit that payment it would reduce the balance but it would only cover a billing cycle for XXXX and XXXX and my payment would still be due in XXXX. Now in a car loan scenario, this too would happen. the difference would be automatically shifted to the principle. BUT when the customer calls and says that this is what they want to happen, the bank makes the change. 

I find their practices to be predatory and deceptive

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
In XXXX I opened a XXXXXXXX XXXX XXXX And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In XXXX I opened a XXXX credit card. And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.

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 2023-11-30 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
I was a victim of identity theft I receive a copy of my credit report and notice an item that didnt belong to me I quickly notified my bank and had them to freeze all my accounts until further notice

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 2023-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Avid Acceptance, LLC
State: IN

Complaint narrative:
I am behind on payments. And they have allowed me time to catch up the payments. But they are now treating me and my wife calls us during working hours. Our family members. And constant emails please help us I suffer from XXXX I can't take much more please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
On XX/XX/23, I pulled my Trans Union credit report and noticed an unauthorized inquiry from XXXX XXXX. I am writing to complaint on XXXX XXXXXXXX because they have to permissible purpose to pull my credit report and I am concerned with the violation of privacy and the Fair Credit Reporting Act. I do not have an account with XXXX XXXX and therefore they have no right to the information contained in my credit report, I also have not applied for any of their products that would've triggered this pull. 

Trans Union is allowing for companies to pull my report with no permissible purposes. 

Attached is a screenshot of their pull on XX/XX/23 from Trans Union.

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