vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to you disputing this INACCURATE accounts on XX/XX/2022 and mailed them certified with return receipt requested. You are reporting this COLLECTION with a PAST DUE AMOUNT this is inaccurate reporting. You are also reporting inaccurate DATE OF LAST PAYMENT which is also inaccurate reporting. 
Per the Fair Credit Reporting Act section 611 ( a ) ( 5 ), you have 30 days time period to investigate disputes. If you can not verify the information within 30 days time period, you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of my original letter showing all accounts I have disputed. 
Thank in advance to your timely response to this 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 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a XXXX representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
I sent a letter to you disputing this INACCURATE accounts on XX/XX/2022 and mailed them certified with return receipt requested. You are reporting this COLLECTION with a PAST DUE AMOUNT this is inaccurate reporting. You are also reporting inaccurate DATE OF LAST PAYMENT which is also inaccurate reporting. 
Per the Fair Credit Reporting Act section 611 ( a ) ( 5 ), you have 30 days time period to investigate disputes. If you can not verify the information within 30 days time period, you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of my original letter showing all accounts I have disputed. 
Thank in advance to your timely response to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX -Local XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your 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 2022-04-26 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX 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 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XXXX my insurance company sent me to XXXX to pick up a rental car due to an accident I had. We had the car for almost 3 weeks and returned to XXXX. On XX/XX/2021. I saw a charge from this company for {$37.00} I never received an invoice and the insurance company told me they will be paid for the rental car we didn't know why we had this charge so I told my bank to dispute this charge. On XX/XX/2021, I received a phone call from the bank letting me know what I was charging for, and when they told me they were tolls payments I approved the transaction, which was paid right away. later in XXXX, I received a collection letter from Transworld Systems Inc, letting me know I owe them {$44.00}. I have been calling, and sending letters with the payment proof like the bank statements and the bank letter more than twice times and they continue saying that I have to pay for the service and the late fees. I never received a written response to my letters and I have been dealing with them for more than 8 months and I don't see they solving this situation. Now in the last call I did their response by phone was I'm in the red list. I don't know what else I can give them to proof of payment and when I asked I didn't receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: GA

Complaint narrative:
My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by Transunion that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as TransUnion and XXXX. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and bXXXX XXXX XXXXXXXX XXXX. My XXXX score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. 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 2022-04-26 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: CA

Complaint narrative:
XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I KEEP GETTING UNWANTED CALLS FROM THIS XXXX XXXX DESPITE THE FACT I'VE SENT THEM A C AND D LETTER BUT THEY CONTINUE TO CALL ME THIS IS DISTURBING AND I WANT THE CALLS TO STOP IMMEDIATELY. I WANT NO FURTHER COMMUNICATION FROM THIS XXXX XXXX PERIOD.

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 2022-04-26 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: VA

Complaint narrative:
There was a credit card was applied for and opened in my name from XXXX XXXX bank. This is now showing on my credit report. I called company which told me to place a fraud alert on my credit report. I have done that, and they are unwilling to investigate to have fraudulent items removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
XXXX, Excalation Support Manager, failed to recognize a system failure in charging my account a {$15.00} fee for transacting with a vendor associated with gamblingXXXX XXXX  This is a state-wide company that accepts credit cards. No notifications, warnings, fine print outlined that any charge with the merchant would yield an alleged " cash-advance '' fee. This is the first time ever that a transaction was made with this company. There was no professional curiosity, courtesy or understanding with this bank representative. He is the lowest of professionals in the financial services industry.

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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/XXXX PNC mortgage called XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX, saying he miss the XX/XX/XXXX payment and XXXX XXXX had his receipt in his hand he told them the payment was made ... XXXX XXXX Rebbecca XXXX XXXX PNC mortgage XXXXXXXX said Mr XXXX has not made a payment for XX/XX/XXXX... And his daughter handles Mr XXXX XXXX said in XXXX of XXXX she made 2 payments and made 2 payment in the month of XX/XX/XXXX and Mr XXXX XXXX XXXX has his reciept .... So then we ask XXXX XXXX XXXX of PNC Why are they bothing an XXXX XXXX XXXX man about his payment and he has his reciepts stating each month they said he didn '' t pay ..Now we have papers or letters stating forecloser please help Mr XXXX XXXX solve this matter so the bank can '' t take his house My number is XXXX XXXX my name is XXXX XXXX XXXX XXXX daughter My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

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 XXXXt # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 an 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 2022-04-26 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: IL

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 XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 an 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 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 2022-04-26 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: GA

Complaint narrative:
Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 
Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. Please provide a audit trail for the accounts and inquiries below. 

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Fortiva Retail Credit has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a Fortiva representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
there was a check that was deposited into my account that I no ideal of te deposit or how its deposit was made XXXX it showed in my account. right away my account was look down and fund unable to withdraw. good that not te problem the problem is there action with out fact of being aware of this happen and was thought to help these people out that made the deposit. this its far from the truth I no way of knowing and no way to stop this from this happening. what they dont know is that I refused to cash. any check or let them XXXX my account for reason a battle I been facing with for mouth from these people. the reason they had my acct # and routing was for direct deposit of transfer, it wasn't to let them use my account freely as capital one project it to. they fine me to high risk for nothing wrong all because I had a problem with a bank before going to them. I been judged for things that I had no control over at all and they took my account they hold over XXXX $ of my money from transaction that was procession at the same time and there assuming once more that I m doing bad deal. and they will not return my calls or talk to me in anyway. I done nothing and I only tried to work with them only to be judged as the crook. I think I have law suit and every right to file this complete. just because I was stuiped once dont mean I doing things wrong. as it is now I m receiving death threats and other threat from the people thst Made that deposit claiming i have the money and now I affsired to leave my home. and I can't get help because how'd you stop a ghost. I m being harassed my money is frozen a closed account and no-one XXXX care me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient services my loan and has since 2007. They put me in a forebearance program for over two years, all while charging an exhorbitant interest rate. As I look at the recent settlement with Navient to forgive loans, it is very clear that my loan should be qualified for forgiveness. Navient will not give me an answer as to why my loan is excluded.

Company response to consumer: Closed with explanation