vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 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: CA

Complaint narrative:
The Consumer Credit Reporting Bureau is Experian, I requested my credit report and have disputed several items in the report ; there are several accounts that are closed and should be removed. There are two of the companies that have demonstrated unlawful practices ( XXXX & XXXX ), and law suits have been filed against both companies. A School Closure for Discharge was submitted for XXXX University of the XXXX XXXX XXXX XXXX as the school closed, as I had to take two science classes at a community college to complete my BA diploma/certificate requirements as XXXX lost XXXX XXXX and it closed, while I was taking the science classes for their BA program. Both, XXXX & XXXX accounts should be closed and removed. XXXXXXXX XXXX XXXX should be removed as it with XXXX XXXX. 

XXXX XXXX  is the financing institution for the following credit accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. that were closed because these companies no longer serve as brick & mortar stores. The XXXX XXXX account shows late, I have never been late on this account. In addition, to several other accounts on my credit report that should be removed as they are paid and reflect closed. These accounts should be removed from my credit report as they are closed and a few I never used. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

Other Credit Accounts paid and closed : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A total of XXXX accounts should be removed from the Credit report. I would like to have my credit report reflect a positive report as I work hard to maintain a good report, and currently that is not demonstrated by Experian and other consumer reporting bureaus. I have also filed a complaint to have Experian investigated by the Office of the Attorney General for a Public Inquiry as many of the agencies appear to demonstrate race inequities towards people of color as profiling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This is a medical debt that was paid with the original provider. they have excessively called my phone and been very nasty in their tactics. By placing my personal information on my report it has negatively affected my financial state

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MI

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Experian reported to the credit bureaus XXXXte/non payment , which is a violation of the U.S. code . 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the EXPERIAN CREDIT REPORT. Im commanding it to be removed asap. 
Experian applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.

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 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In mid XXXX ( exact date unknown ) Citizens Bank notified me that my account was hacked. After hours of talking on the phone, I was informed ALL OF MY INFORMATION WAS BREACHED. Yes, account number, routing, personal information, the whole 9-yards. Nothing was done. Customer service suggested I get a new bank account and apologized for my data being breached. I now receive HUNDREDS of phone calls a day, to the point where I have to block unknown phone numbers. Now, on XX/XX/12 my account has been hacked AGAIN. Yes, I know I needed a new bank account. But I thought I could go more than 2 months without being hacked!!! This bank has NO CYBER SECURITY and does NOTHING ABOUT IT. Something needs to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
Have sent multiple emailed and letter by the USPS that these debts are inaccurate. I have contacted the provider XXXX XXXX XXXX XXXX and they also confirmed these are not correct. As I had XXXX XXXX on the line we tired to 3way call XXXX with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-12 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.

Ally Auto reported to the credit bureaus late/non payment, which is a violation of the U.S. code XXXX 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the XXXX CREDIT REPORT. Im commanding it to be removed asap. 
Ally Auto applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
i recently learned about getting a credit report so i got my credit report and discovered there was an account on my report that i did not open at all.. so i contacted the company to discuss this matter they told, e there was no account. so i disputed through the credit bureau.The credit bureau came back with a verified account through the company. i then disputed it 3 more time and got the same results. The last time i disputed it the company Regional Acceptance came back and added another account on my credit but changed the account numbers around and also added 3 payments on both accounts. which i never ever paid on. this company is fraud i never had one account with them let alone 2 accounts and i sure have named made an payments. This company is knowingly committing fraud on my reports. Please help me with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$770.00} Inquiry : XXXX  Date of Inquiry XX/XX/2020

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 2021-12-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2021, a car repair company charged me for an estimate without advance notice, which is a violation of ORS 646A.482. 

I disputed this charge with Chase and explicitly cited the statute that shows the charge is illegal. 

After dragging it out for months, Chase upheld the charge without even addressing the reason for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle accepted a loan modification and I paid XXXX trial payments to Dovenmuehle. During the process they transferred it to XXXX XXXX  and Dovenmeuhle claims there was no loan modification agreement. These conversations took place by email, letter and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I received an offer in the mail for the Milestone credit card. The literature did not mention that there was an annual fee of {$170.00} and that this fee would be deducted from the credit limit. 

I was approved with a {$700.00} credit limit minus {$170.00}. I was not aware of this fee until XX/XX/XXXX when I tried using the card at a store and the transaction was declined. As of XX/XX/XXXX, I have a balance of {$660.00} and a transaction for {$32.00} would not process for some odd reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: FL

Complaint narrative:
Per my credit reports, The account XXXX XXXX XXXX, has been opened since XX/XX/XXXX until XX/XX/XXXX. First red flag, is there isnt even an inquiry on my report for an auto loan. Secondly, there is NO payment history dating back to the initial opening date. But what is most imperative is the fact that I was XXXX prior, during and after this accounts closure. I was XXXX  in court on XX/XX/XXXX and was released into an XXXX XXXX program on XX/XX/XXXX and Ive attached the court documents again. And ever since Ive seen this on my credit report I have been trying to dispute it. Ive sent in multiple disputes to all three credit bureaus and which XXXX has since removed it. But transunion has refused to delete this item even after Ive provided cemented evidence that there is no way that I was physically or even electronically able to open this account. Nor did I give anyone permission to open this account. This account was opened fraudulently and needs to be removed 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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was reviewing my credit report and I noticed an several medical accounts from XXXX  XXXX XXXX XXXX This information is inaccurate. All accounts were paid.

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 2021-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Frontline asset management has not provided me with validation. I requested verification in XXXX and they sent a COPY of a statement in XXXX, and said that is all they had on file to give me at the time. 
My dispute with them- On XXXX XXXX I sent a letter certified mail asking frontline asset management to validate the debt and provide competent evidence that I have a legal obligation to pay the debt. I asked for an agreement that bears a signature of alleged debtor where he or she agreed to pay the creditor as well as an agreement with their client that grants them authority to collect on alleged debt. I also requested any insurance claims that have been made by any creditor regarding the acct, verification that this debt was assigned or sold to collector as well as other details, see attached. This is a request for validation made Pursuant to the fair debt Collection practices act. I specifically requested validation, not verification. Regardless, the certified mail was delivered on XX/XX/XXXX at XXXX am to frontline. I received no response from frontline asset management at any point even after 4 months had passed. Please note, this complaint is strictly regarding the lack of response to my certified letter dated XX/XX/XXXX. I have proof of delivery. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
I recently review my credit reports & noticed some medical collection that I do not recognize. Ive never received any notice of any past due bills from the hospital, I also did not receive anything from any collection company. I have sent several debt validation letters to Credit Control Corp with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Hello, my mortgage lender company is Mr , Copper and in XXXX due to Covid-19 hardship, I had difficulty keeping up with my mortgage and I enroll in the program to stop payment till getting back to work and repay my debt. in XXXX My total year-end mortgage was {$11000.00} and I paid up to {$8400.00} and my Unpaid balance was {$3000.00}. 
in XXXX I total years-end mortgage was {$11000.00} and I paid up to {$16000.00} as per request and some point I called in Mr copper and report that I am getting charged over what I actually owed, and they do not have you directly talk to anyone they just take a report and sent it out to other departments to resolved the issues and do not give any email or confirmation number about the call, give you nothing at all so I do not have any proof of my call and that was the reasons that I called for, they just know about it and kept saying will be resolved in XXXX to XXXX hours and it is been going on and on and they kept asking for money by as of XX/XX/XXXX I have over paid them for {$1700.00}, I someone from Mr , Cooper who said that she is only one that I can talk to, and she at beggining had agrred that I paid up to a month of XXXX and later she changed her word around and when she found out that the mortage payment and i was making she deposited under the XXXX insted of mortage payment and made me to keep paying for mortage which I have already made. her name is XXXX XXXX this is a copy of now they are requesting another payment for the month of XX/XX/XXXX, I like to know where did go the mortgage payment I have made? why I can not ask for help but only XXXX XXXX XXXX. she is the one who made the mistake of taking my monthly mortgage payment and depositing under different locations. 
her email : Thank you for allowing me the opportunity to assist you today. 

I will be your single point of contact. 

My direct contact number is XXXX, please call me directly if you have any questions. 

XXXX XXXX XXXX XXXX XXXXrom XXXX A.M. ( XXXX ) to XXXX P.M. ( XXXX ) XXXX XXXX ( XXXX ) Executive Resolutions Team ( P ) XXXX Thank you.

Company response to consumer: Closed with explanation