vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
I have a bank statement showing amount paid n Representative state it would be removed in XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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 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 2022-01-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: VA

Complaint narrative:
I asked the company, Frost Arnett to verify the debt as I never received calls on my only number which is a cell phone. They reversed the derogatory credit report and sent me a statement dated XXXX. 
I placed a call to Frost Arnett to find they have already sent the derogatory report back on my report 5 days ago. 
I called to pay the debt in 4 installments and they had already reported it even though I had ask for them to send me a bill.

This is so unfair. I want to pay my debt asap now that I have the charges.

Once again, not one phone call to work with me to pay it. 
During the times we are having a lack of mail delivery, the least they could do is work with me and I will pay in full. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
In XXXX I initiated a XXXX transfer from my Bank of America business account for what was suppose to be a deposit for an artist performance at the end of the month. When I ended up being defrauded Bank of America said there was nothing they could do. Basically, my business has no protection at all against fraud because I used XXXX but the app is connected to my business account. I'm a XXXX XXXX of XXXX  children and it's disheartening to know someone can easily scam there way out of money and the banks don't protect it nor do they attempt to correct it.

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 2022-01-10 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-10 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: PA

Complaint narrative:
Experian is furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.

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 2022-01-10 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: PA

Complaint narrative:
Experian placed inquiries that do not belong to me on my consumer profile. 
please remove immediately.

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 2022-01-10 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I closed my account with Barclays Uber Credit Card in good standing and 0 balance. i maintained that account, always paying in time for over 3 years. They changed the benefits of the card so i called to close and verify cards and account 0 balance and closed. 

Date was closed XX/XX/XXXX. I verified 0 Balance on XX/XX/XXXX via phone call.They verified account was closed and 0 balance and revoked my online access and cards. 

Starting in XXXX, Barclays began reporting late payments in XXXX because they allowed charges of approx {$50.00} on XX/XX/XXXX on this closed accounts. 

I was first notified of this bill in XXXX when i saw my credit score drop from XXXX XXXX XXXX!! On XX/XX/XXXX i called barclays and was told they were sorry and would clear it up. End of XXXX i received a letter only telling me to call them! Now i call today and they say the same thing. They will take care of it but in the meantime i am applying for mortgage and my credit rating is XXXX XXXX lower because of their false claim. And, as of today all i have is promise that they will fix but they did this already and nothing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Spark Business is the company that we bank with and this issue is related to. 

Capital One sent us checks through the mail, with no tracking or security. Somewhere, an unauthorized individual stole the checks and started writing and cashing checks to themselves. This happened in the middle of the night on XX/XX/XXXX. We were unable to reach anyone at Capital One, because their support is not open until XXXX XXXX  EST. 

We called at XXXX XXXX EST to get our account locked and reverse these fraudulent check charges to our account. Capital One reversed all but one of these fraudulent checks. The check that was never reversed was # XXXX and in the amount of {$2400.00}. 

We have called numerous times to rectify this and Capital One keeps telling us that " the investigator is looking through the information ''. They have told us twice it would only take 2 days for the investigation. Due to the fact that Capital One lost our checks and did not provide a sufficient duty of care, we don't believe it matters if an investigation happens or not. We are requesting a refund of the fraudulent check in the amount of {$2400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
Upon receipt of this complaint, please issue a billing dispute for a purchase dated XX/XX/21 listed as Amazon Payments, amount {$260.00}. The merchant never shipped the merchandise. The merchant could not provide an answer as to when the items will ship.

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 2022-01-10 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:
Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX phone number : 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 2022-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
This account is past the statute of limitations date file XX/XX/2012. Enjoy the statute of limitation of XXXX years so this account should be removed immediately and delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had XXXX automobile loans through Wells Fargo. Both loans had gap coverage. Only had either loan for a short time. I refinanced one and traded the other. I waited until both loans showed paid in full before canceling the gap insurance because I had read that Wells Fargo was under investigation by the federal reserve for falsely obtaining gap refunds stating it was to cover a remaining balance. Even though both loans showed paid in full, Wells Fargo still requested the gap refund for both loans. Upon inquiry with Wells Fargo, I was informed that they would hold my refunds for both accounts for at least 120 days. This is unacceptable as they acquired the funds fraudulently and borderlines theft. The amounts stolen were {$850.00} for account XXXX and {$1000.00} for account XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrysler capital has violated my consumer rights. They are in clear violation under XXXX XXXX XXXX congressional findings in statement of purpose, XXXX XXXX XXXX ( b ) permissible purpose of consumer report, XXXX XXXX XXXX ( a ) definition rules of construction in XXXX XXXX XXXX coronavirus economic stabilization ( cares act ) Chrysler capital has illegally furnish information I did not consent to and this is a violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NC

Complaint narrative:
Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal 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 2022-01-10 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: NC

Complaint narrative:
Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never 30 nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!

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 2022-01-10 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: NC

Complaint narrative:
XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXXand i was advised if i supply my identity theft report, then the account would 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 2022-01-10 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: NC

Complaint narrative:
XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXX i was advised if i supply my identity theft report, then the account would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MD

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : 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