vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
XXXX and XXXX are both reporting my XXXX XXXX balance as {$400.00} that is not correct. I notified both companies and informed XXXX XXXX so they can resend the info bit no change Experian, XXXX and XXXX are reporting on my XXXX account incorrectly I again have notified the credit bureaus and the company with no update to the file XXXX, XXXX both are reporting XXXX XXXX with a balance but that account has been paid off for a month

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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I made a complaint about a dispute of the invested amount I need back because of the merchant bankruptcy it's been more than long enough to receive the dispute amount. I also can not make payments because my account being restrained for more than 10 business days all because I wanted to make a dispute for the invested amount the merchant owes me. I need a dispute and also my account being unrestrained I'm very disappointed.

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 2022-12-17 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: CO

Complaint narrative:
On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, Frontline Asset Strategies. It stated I owed them {$810.00} a XXXX  debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! 
Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is XXXX XXXX XXXX, and they never sent me anything. Now they, XXXX XXXX XXXX, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, CAVALRY PORTFOLIO SERVICES

has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. 17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The amount owed on this account does not belong on my credit report. I have ent three letters showing proof of incorrect address. Please remove 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 2022-12-17 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: TN

Complaint narrative:
I have requested that I be sent verification via signed documents showing the validity of the XXXX debts listed on my report! Not only have I never received documentation Ive not received a written letter of outcome of investigation by mail as requested for the outcome of each dispute. I have requested these documents or the removal XXXX different occasions yet the documents or completion of dispute letters in writing have been provided. 

Under the fair credit act I have a right to request and receive validation and response within XXXX days it has now been XXXX months I believe my civil liberties have been violated, and Im prepared to go to the attorney general to seek a remedy.

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and XXXX are both reporting my XXXX XXXX balance as {$400.00} that is not correct. I notified both companies and informed XXXX XXXX so they can resend the info bit no change XXXX, Equifax and XXXX are reporting on my Grain account incorrectly I again have notified the credit bureaus and the company with no update to the file Equifax, XXXX both are reporting XXXX XXXX with a balance but that account has been paid off for a month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: MI

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: HI

Complaint narrative:
Hello, I had a debt that originated with XXXX and it was paid, but I am receiving notices from other companies that I still owe on this debt. There has now been a collection from XXXX of these companies ( jeffersons capital ) in the amount of {$8500.00} and this is incorrect. 
I have tried to dispute this but jeffersons keep assigning the account to an attorney. 
I can no longer verify this debt due to XXXX being out of business. 
I believe the information is falsified and inaccurate. 
I would like the collection on my account deleted and removed from my credit file. 

Thanks in advance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern, I tried to ask for your help however I just got a letter in the mail stating that someone submitted a complaint under my name without identifying themselves. 

What Identification documents do you need in order to proceed with the help I am asking about? 

I am attaching the letters I received from ya 'll and hope to get assistance to take a look at my case. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
They closed my account in XX/XX/2022 reopened, slammed me with the annual fee, then restarted my credit reporting. Company is complete fraud. 

Called a XXXX times on the payment issues. Kept adding on fees and charges for returned checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from capital one in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in capital one that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with capital one credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with capital one credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with capital one for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX XXXX  XXXX XXXX XXXX brought the debt from capital one.I placed over several disputes with XXXX XXXX XXXX XXXXXXXX, XXXX regarding the fraud on my capital one account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by XXXX XXXX with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied for home equity line of credit with BOA in XXXX. The underwriter requested XXXX  years of XXXX which we did not have as we were overseas ; however, we have documents in XXXX from our previous employer. The processor called us and said everything looks great but you have to reapply in order for the loan to work! We will move all of the documents you provided and upload them to the new loan. We agreed to reapply since everything looked good and they made it work. After reapplying the processor said that it was declined because I had to wait XXXX days before reapplying because it looks like a duplicate loan but after XXXX days you can reapply and we should be good. I waited XXXX  months and XXXX credit enquiries and false hopes. I now have to apply with a different bank but I have not been told by BOA why the loan does not work. I would like to dispute my credit enquiry

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 2022-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
Sent notarized Conditional Acceptance letter on XX/XX/2022, Via Certified Mail That was delivered on XX/XX/2022, at XXXX am Requesting proof they have exemptions to Ucc codes ( Which they are now violating ), asked for other multiple documents, tax documents, and proofs of accounting. Multiple attempts to resolve this account have been made and they continue to either not respond with requested materials or refuse to acknowledge remedies. They were given 10 Days to respond and have even been contacted by phone on XX/XX/XXXX to find out why I have received no response for what I have asked was Was told by agent that note on account XX/XX/2022 that " them sending me anything wouldn't change the amount due on account or the fact that they have contract '' all though that has nothing to do which the fact that i requested information and that's not what i asked. They have fallen outside of allotted time frame to Perform per notice. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been sent copy B of a 1099A months ago. It was requested that they respond in writing. By refusal to respond and inability to prove the claims that i stated in my notice they have agreed with the facts and agree that there is no debt as informed in the notice. They have still not corrected the accounting to reflect such. Further violation on my consumer rights and violation of Uniform commercial codes will lead to additional reporting to the proper Regulators.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Transaction via XXXX XXXX XXXX was disputed on XX/XX/XXXX in the amount of {$210.00}. Vendor overcharged and failed to deliver the merchandise successfully. 

XXXX Synchrony Mastercard did not communicate effectively and closed the dispute which had to be reopened again on XX/XX/XXXX. Documents were successfully sent via fax and through the online message center. XXXX Synchrony Mastercard states that they have reopened the dispute when they have not. They also state that they have not received documents when I have screenshot proof that the files were successfully sent through the online portal.

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 2022-12-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX  ACT # XXXX, XXXX XXXX ACT # XXXX , XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX ACT # XXXX, XXXX ACT # XXXX, XXXX ACT # XXXX , XXXX XXXX ACT # XXXX, XXXX  XXXX ACT # 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}

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 2022-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, I tried to ask for your help however I just got a letter in the mail stating that someone submitted a complaint under my name without identifying themselves.

What Identification documents do you need in order to proceed with the help I am asking about? 

I am attaching the letters I received from ya 'll and hope to get assistance to take a look at my case. 

XXXX XXXX

Company response to consumer: Closed with explanation