vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX my Citibank Advantage Platinum Plus card was auto renewed with a membership fee of {$99.00}. I no longer wanted the card due to the fee and called late XXXX to cancel card. Citi continued to bill me and a new statement was issued for XXXX XXXX billing date with amount due of {$99.00} plus a late fee of {$29.00} and interest charge of $ XXXX for a total of {$130.00}. I called agin XX/XX/XXXX and spent over 90 minutes trying to resolve the fees but was told they could not be removed. The agent closed the account with the fees still owed which have put my account into collections. 

I have continued to try to resolve this issue and after many, many calls and many different agents, fees still exist on this account. I have been transferred many times, disconnected and dropped from multiple calls to Cit Advantage customer service. I see this as a bait and switch method for Citi to try to collect fees on an account that I have, in good faith, tried to cancel. I have excellent credit history and fear this could impact my score of over XXXX to date! 

Any help in resolving this issue is greatly appreciated

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Excessive addresses listed. Only the following should be on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX I've been at this apartment complex since 2017. All others are obsolete. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian and XXXX dropped credit score 2 times claiming late payment on car loan. I was never late. Car finance company and car lot verified I made payments. Both credit reporting agencies still has not corrected credit score and stopped raising credit score showing payment made. 
First late payment was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My score averages was XXXX on them. Credit Score on XXXX is about XXXX and that one does not even have my car loan on it to reflect on time payments. 
Car financial and car lot attempts to contact and correct information has only finally got them to remove late payment. They still have not credited back my credit score they falsely claimed that dropped it. 
I personally filled dispute and numerous times attempted to contact them and zero resolution in this matter. With what they have falsely claimed has impacted my credit score in dropping it about XXXX XXXX XXXX XXXX XXXX 
This situation has created being denied multiple times in renting a place to live. Which has resulted in me staying with someone. 
Both XXXX and Experian has made it almost impossible for me to access information. I get pay for membership for that information. I can not even see my credit score on XXXX without paying for it. I got what screenshots I could to help show proof. Which detailed information about everything I have to pay monthly subscription for access

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently reviewed my credit report. I see hard inquiries that I did not authorize.

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 2024-08-26 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, have violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A couple of days ago I received a letter stating that Transunion investigation was complete and the items listed below have been Verified. 
This letter is my formation request for the to explain to me how they conducted there investigation and for transunion to provide methe method of verification. 
Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX  2004 ).

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Southwest Business Corporation
State: VA

Complaint narrative:
Good morning : My problem is my current Mortgage Servicer. We are currently up to date on our loan. We have always been current on our loan. My problem is the communication SWBC is providing to us. As I understand most mortgages are due the XXXX of every month. We have paid EVERY payment prior to this date.

SWBC I have the letter attached, has been communicating to us with this letter the XXXX of every month with Delinquent Notice. To my understanding we are not late at all on our loan! Why should we receive this type of notification ( I completely understand a reminder letter or notice but makes it seems on this date we are late and need to pay right now!! ).

The second page describes This communication is from a debt collector. Why is this happening again we not late ( please find the payment amount and not late fee listed on first page ).

This can not be an appropriate communication you can send to a customer ( I have called customer service, and they said it was the law to do this ( is this true ).

This letter is completely unnecessary and wording that is not appropriate and should not be used for a borrower is in full compliance. I would like your organization to investigate for a clear answer from this servicer.

If you have any further questions, please do not hesitate to contact me at ( XXXX ) XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Synovus Bank
State: VA

Complaint narrative:
Requesting names that need to be on my First Progress Card, Account. addressing the issue with my credit report : This not a complaint I'm facing identity theft don't want to send any documents through the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> First Progress Card XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear, First Progress I hope this message finds you well. I am writing to formally request an update to the names listed on my first progress card due to inaccuracies that are currently affecting my credit report. 

It has come to my attention that the names associated with my account do not accurately reflect my personal information. This discrepancy is causing issues with my credit report and may impact my financial standing. 

For your reference, names I use details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX these names are associated with my Credit report. 
# I kindly ask that you update the records as soon as possible to prevent any further complications with my credit report. I appreciate your prompt attention to this matter and look forward to your confirmation once the changes have been made. 

Thank you for your assistance. 

Sincerely, This has messed up my credit report XXXX deleted my first progress credit card account yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an account with Experian so I can monitor my credit. 

Given the recent XXXX XXXX I went in to " lock '' my credit. When searching for this option in the interface, whenever I search for " credit lock '' the site takes me to their PAID service ( $ XXXX ). I know that I can lock my credit with the credit agencies ( Experian, XXXX XXXX XXXX ) for free but it was not readily apparent given the way they have their site setup. THIS IS CLEARLY INTENTIONAL. 

After taking more time to figure this out, it turns out that Experian has decided the " credit locks '' on their site refer to their PAID service. The term for what has traditionally been called a " credit lock '' on their site has been renamed a " credit freeze ''. 

This is neither a trivial nor innocent change. AGAIN, THIS IS CLEARLY INTENTIONAL. Their clear intention is to confuse people and to funnel them to their ridiculously overpriced, PAID service ( at a highway-robbery rate of $ XXXX. ) rather than provide clear, easy access to " locking '' your credit. 

This is not right. This is EXACTLY the kind of XXXX  that these companies pull. Obviously this didn't work with me, because I knew I could lock my credit for free, but how many people have fallen for this scam!?!?!?!

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : XXXX XXXX Equifax Despite multiple disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. XXXX along with XXXX and Equifax have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : XXXX Experian XXXX Despite multiple disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. XXXX along with Experian and XXXX have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.

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 2024-08-26 00:00:00
Product: Credit reporting 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX National Credit Adjusters was listed on my credit report showing collection for late payments dating back to XXXX and a balance of & XXXX. On XX/XX/XXXX I sent them a debt validation request. On XX/XX/XXXX I received a response showing the original creditor as XXXX for a debt created on XXXX XX/XX/XXXX. I lived outside of the XXXX from XX/XX/XXXX until XX/XX/XXXX working and living in XXXX, XXXX, and XXXX XXXX, XXXX. Upon returning to the XXXX in XXXX, I recalled sending Speedy Cash a copy of my passport showing that I NEVER applied for any loan. 
The validation information sent from National Credit XXXX does not contain my signature, correct address, or banking account, nor an agreement showing how they became a creditor. I have filed disputes with credit bureaus and they all returned as a valid debt.

Company response to consumer: Closed with explanation