vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I mail a request, nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.

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 2023-04-17 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: FL

Complaint narrative:
I have attached an FTC report with XXXX fraudulent collections and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I am having problems rolling out some of my XXXX XXXX fund from Ally Bank to XXXX There have been a lot of issues, some from the receiving XXXX entity but also from Ally that has given a lot of wrong information.

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 2023-04-17 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: FL

Complaint narrative:
a fraud was in process on my XXXX XXXX credit card. I contacted XXXX XXXX while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with XXXX XXXX. Weeks later XXXX XXXX started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago XXXX XXXX stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, Experion credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, Ga. ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.

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 2023-04-17 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from Rushmore Loan Management Services at the very end of XXXX that my mortgage was being sold. to another company, XXXX XXXX XXXX Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXXXXXX XXXX for over XXXX plus years then all of sudden it was sold to Rushmore I believe in XX/XX/2022. Then in XXXX Rushmore is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am not responsible for / did not apply for the following which appears on Credit Monitoring : SourceEXPERIAN 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 2023-04-17 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: LA

Complaint narrative:
I've dispute with Experian consumer reporting agency multiple times about inaccurate and incomplete information contained in my consumer report. They haven't been conducting a reasonable investigation because the items keep coming back verified but when I check my consumer report to see if the incompleteness and inaccuracies are fixed but they are not. The following information is still incomplete and inaccurate. 

Account number XXXXthe account terms field is incomplete and can't be verified please delete the account. 

Account number XXXXthe account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

XXXX XXXX XXXX XXXX account- the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the monthly payment field is incomplete and can't be verified please delete the account. 

Account number XXXX balance field and monthly payment field is incomplete and can't be verified please delete the account.

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 2023-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a business account with Truist bank for my business XXXX XXXX XXXX in XXXX XXXXXXXX ga. I was skeptical when I l kept seeing overdraft fees and I know the money was there to cover my transactions. I was pulling from another Account to prevent this from happening. I want my overdraft fees of XXXX refunded. I reported fraud on my account after I was the victim of a robbery and they still tried charging overdraft fees.

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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
National Credit Systems has reported a collection over a rental since XX/XX/2020. Their client, original creditor, was taken to court due to slumlord conditions in the property that I leased. 

This lawsuit was settled in XXXX with the debt been waived and released as part of the settlement. 

This was informed and mailed to the collection agency and they denied my legal request to remove this collection from my credit reports. This has caused me damages, since its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank continues to display unethical practices. Attached I have two different credit reports. One from XXXX and one from XXXX. Both directly from each credit bureau and both show completely different information. On XXXX they are reporting the account as written off. I advised them I never received a Form 1099-C for the {$600.00} or more of a debt owed to them. Because they know I never received the 1099 from them they have attempted to update the file with sold to another company. I have kept a paper trail and I am more than willing to take this to court. 1099 C forms are supposed to be mailed by XX/XX/XXXX of the following year to recipients. It is now XX/XX/XXXX of the following year. The debt was closed in XXXX of XXXX and written off as a loss per my credit report. Which wasnt even updated until XXXX of XXXX. This could have caused a tax liability on my part. Also there are inconsistencies on reporting with each bureau. Either delete this from my credit or I plan on taking this to court!!! There have been several class action suits towards this company for their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-17 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: WI

Complaint narrative:
I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a lew accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I was orginally billed {$1500.00} for medical services rendered at XXXX XXXX in XXXX, FL for date of service of XX/XX/XXXX by a group call XXXX XXXX in XXXX, TX. 
I was approved for financial assistance at 100 % by XXXX XXXX by written approval letter dated XX/XX/XXXX. This was communicated to the billing dept. at XXXX XXXX and a copy of the approval letter was email to them on XX/XX/XXXX. 
On or about XX/XX/XXXX I received an invoice from a collection agency, Capio Partners referencing the same amount and they were retained to collect this same debt. 
I called both Capio Partners and XXXX XXXX on XX/XX/XXXX and was informed this was an error and the account has been reconciled as-of XX/XX/XXXX. 
I called the billing dept. at XXXX XXXX on XX/XX/XXXX and followed up with further documentation via email inclucing my financial assistance approval letter once again along with a detailed invoice from XXXX XXXX showing all dates of service and services rendered and any further issues with this account that I would be contacting the FL State Attorney 's Office and the CFPB. 
I learned in early XXXX that this issue had not only been resolved as I was informed, but now had been reported to XXXX and XXXX XXXX to be added to my credit report. 
I've already opened a complaint with the FL State Attorney 's Office and disputed the account via XXXX. 

This is obviously an example of XXXX XXXX engaging in persistent, fraudulent billing activities. One simply needs to look at their XXXX reviews to see this is common practice. Rather than properly reconciling the account on their as I was told on XX/XX/XXXX, they never communicated with me again and rather sold the account off to a collection agency ( Capio Partners ), who have now submitted it to my credit report despite my communication to them as well. 

I furthermore notifed XXXX XXXX 's billing dept. on XX/XX/XXXX via phone that any issues around dates of service not matching the approval letter can be resolved by them ( the provider ) calling XXXX XXXX 's financial assistance dept. at number provided on the approval letter and referring to the detailed hospital invoice showing all dates of service. XXXX XXXX refused to give me a contact person/control person/supervisory contact. 
Their information is as follows from the original invoice : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Thank you in advance for your assistance with this matter and helping stop this harassing and fraudulent billing activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
This is a status of the last complaint with US Bank service. XXXX I am receiving confusing information from the bank. When they call and I speak to representative about the Maryland HAF program status, they state that I need to reject the loan modification and then they would be able to accept the funds. I already did that and confirmed that they would move ahead with HAF program. 
I came home and received the same loan modification documents to sign and return prior to XX/XX/21 stating that my loan would be increased from 24yrs remaining to 40yrs. And no mention of HAF funds. I am unable to resume payments because they are not responding with required data to accept the HAF payment in my behalf. Is there a mediator that can help me? I dont want to lose the opportunity to use HAF funds ( loan ) or lose my home. Signing the loan mod means I would no longer qualify for HAF.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello I was astonished after have a Barclays arrival plus for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had over XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have contacted Credence Resource Management on various occasions in order to get this account verified or validated as my own. I have yet to receive any correspondences I do not have an account with them and they are reporting delinquencies on my report monthly. Please inquire and have this account removed in its entirety immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation