vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Desperately trying to fix my credit, as a college student with very little money. I ordered my credit reports and learned that I had collections that were being re-aged. I decided to contact the collection agencies for clarification on the date of last activity ( not validation and verification ). They were reluctant to assist me, I called the original creditors and I received the date of last activity. When I compared it what was written on my credit report I realized that the dates were off by years. Credence Resource Management insisted that the dates were correct despite having the date of activity from the original creditors. 

Credence Resource Management is the collection agency for XXXX now owned by XXXX. When I called XXXX I was told the last activity date when the Account Became Delinquent was XX/XX/XXXX. As evidence by the phone recording with XXXX, ( I live in a XXXX party consent state- New York ) XXXX However Credence Resource Management is reporting the last date of activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. 

CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date Last Active : XX/XX/XXXX XX/XX/XXXX Recording According to the agent at XXXX in the recording she states at XXXX that the account was passed due for XXXX  days in the amount of {$460.00} since XX/XX/XXXX ( this is the date of last payment or the delinquent ). However Credence Resource Management has listed the date of last activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. This is re-aging of the alleged debt and illegal according to Fair Credit Reporting Act { FCRA }, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received unauthorized charges on my credit card from Transunion. I immediately contacted the company on XX/XX/. Upon connecting with a customer service representative, I was told to send the complain via email to XXXX. I sent all information, and received a response the next day that I had to provide a credit card statement to verify the charges. Upon receipt of the statement, I sent it back, but the email address came back as undeliverable. I then called the company, was told it was fraud and that I was due a refund. The service rep then disconnected the call. I called back XXXX more only to be disconnected by the representatives both times. I can not get any agents on the phone, the email address does not work, and the website is " experiencing difficulties ''. I can not get this resolved and it is a fraud case.

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 2023-07-13 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: AL

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with Experian because my XXXX Bank  Mortgage account, because it had been erroneously reported 30 days late for the month of XX/XX/XXXX. Experian subsequently corrected the account status for XX/XX/XXXX, but changed my account history for the months of XX/XX/XXXX thru XX/XX/XXXX to late from 60 up to 180 days past due which is erroneous reporting. 

To corrected this : ( 1 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 2 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 3 ) XX/XX/XXXX, I initiated a dispute by calling Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours via there website saying my account status was " updated '' but it was not corrected. 

( 4 ) XX/XX/XXXX, I mailed via certified letter ( I will attach copy ) a dispute to Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. On XX/XX/XXXX, Experian provided dispute results via there website saying my account status was " updated '' but it was not corrected. 
I tried to initiated another online dispute on XX/XX/XXXX but the website would not allow it because it has been disputed before. 
Not only is Experian reporting incorrectly, I'm positive that they never did a proper 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. this debt collector has violated the Debt Collection Rule12 CFR 1006.14 ( b ) ( 2 ) ( ii ). They have called a total frequency of 13 times in a 7 day calendar period. 6 times over the rule.

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 2023-07-13 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: KS

Complaint narrative:
I have been approved for SCRA protection via Capitol One accounts. Capitol One continues to report late payments to credit bureaus affecting my credit worthiness while under the SCRA protection for activated soldiers and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-07-13 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: CITIBANK, N.A.
State: SC

Complaint narrative:
The company let me kno that my info and social security number is attached to the account and for that reason it's my debt

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 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a mortgage with wells fargo during pandemic. Over a period of several months or more my home was scheduled for foreclosure and then would be removed prior to scheduled auction date. I made many attempts to negotiate with bank never resulting in successful agreements. Because of the pandemic and wells fargo refusal to work out any agreement with me my home was sold at auction on XX/XX/2022 for a mere {$190000.00}. The person who purchased it intended to flip it and sell for at least {$450000.00}. I was stripped of my home ownership status and was actually improperly evicted from home after purchase. Nobody would help me and nobody ever directed me to any resources available that would have aided me in retaining ownership of my home. 

I only just learned of lawsuit against Wells Fargo and was advised that said suit may relate to homeowners with mortgages financed by Wells Fargo. If I meet the criteria or can be added to any potential suit please someone provide me with any available information and I will pursue any potential rights I may still have. 

Thank 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 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I sent a debt validation to navy federal regarding the accounting on my auto loans XX/XX/XXXX. I asked them to provide : 1. The actual accounting of the loans.

2. A signed invoice ( NOT A STATEMENT ) 3. A Copy of the Contract Binding both parties. I'm aware that the four essential conditions to a lawful binding contract are : 1. Full disclosure ( I was never told that I was creating the debt with my wet ink signature ). 2. Equal Consideration ( you must bring something of value to the table ).

3. Lawful Terms and Conditions. 4. The Wet Ink Signature of BOTH PARTIES ( Corporations can't sign because they have no RIGHT or Mind to contract since they are soul-less legal fictions and furthermore no third party can sign a contract on their behalf. 

I sent this XX/XX/XXXX. If no response within those 14 days I asked them to discharge my debt. On XX/XX/XXXX they still never sent me the information and I asked them to discharge my debts again. So on XX/XX/XXXX I sent them an affidavit of default by notary. But they still never discharged the debt. Navy Federal has failed to show me the accounting of the loans to show me that they put up anything of equal consideration which is violating a lawful binding contract. I was never told based on the disclosures that I was creating the money with my wet ink signature. First National Bank of Montgomery v. Daly better known as the Credit River Decision references my argument. In this case the bank had not lent XXXX any actual money but simply created a credit on its book, and therefore since nothing of value had been advanced by the bank, it was not entitled to the property that had been given as security for the loan. This is exactly what's happening with my auto loans. Navy Federal fails to give me the information I've asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I recently pulled my credit report and saw unauthorized inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section, and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX a MOHELA representative refused to acknowledge XXXX as a past federal loan servicer. MOHELA refused to acknowledge payment plans and certifications regarding loan forgiveness prior to 2019. These documents should have been transferred by XXXX to XXXX XXXX however- it seems that documents were purged and not transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: MD

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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: OH

Complaint narrative:
I followed an advertisement to get a {$100.00} advance on my benefit check. I did this on the internet. The company name was Albert. I followed the prompts and before I knew it they set up a {$10.00} withdrawal from my account to set up a savings account with them. They sent me an email saying they were going to take {$10.00} out every week. I tried to cancel the account but found out there is no way of doing this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
Today I received texts and voicemails from the Aargon Collection Agency, a debt collection agency specializing in medical debt. They did not say what I am supposed to owe or to whom. I had to go to the web to find out whether they even existed. I do NOT owe any medical provider. I have not had a serious illness in years, and the fees for all my routine doctor visits and tests are paid promptly, in full. Moreover, I have not received any snail mail correspondence indicating any unpaid medical charges, much less to whom such charges might be owed. I do not wish to communicate with this agency, because friends ' and family members ' experiences indicate collection agencies do not care about the validity of the debt. They only wish to hector you into paying.

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 2023-07-13 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: TX

Complaint narrative:
Experience, XXXX XXXX, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all experian, XXXX XXXX, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!

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 2023-07-13 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX 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

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 2023-07-13 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: GA

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/2023, I received an email from PayPal stating that they would be shutting down PayPal Here Point of Service and that I needed to switch to XXXX in order to continue to receive their services. One of these services was PayPal XXXX XXXX. I was fraudulently less to believe that by moving to XXXX and amassing $ XXXX in annual sales that I would meet their requirements to qualify for working capital loans again. Having transacted that amount, I am still unable to access their working capital system despite 6 previous loans totaling {$45000.00}. I believe their practice is fraudulent, dishonest, and disreputable. I could have switched to another POS service had I not been duped into believing that XXXX was the same as PayPal Here. I'll attach the emails from XX/XX/2023 but the FAQs that originally were linked to those emails and promised XXXX would eventually count towards eligibility are gone. I have phone calls on record with PayPal assuring me that XXXX will be fine once I collect the money through their POS service.

Company response to consumer: Closed with explanation