vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: MECHANICS BANK
State: CA

Complaint narrative:
A 30 day late was incorrectly placed on my credit report and I have placed countless calls to Mechanics Bank to try and rectify this error. They continue to lie and cover up their mistakes and not letting me speak to a supervisor who the customer service agents say that is the only way to fix the issue but they are never available. I've asked them to " run their tapes back for quality assurance '' but that request is also ignored. 

I have not received a statement from Mechanics Bank as they have the incorrect address on my account. The listed address is in XXXX XXXX, Az. I do not nor have I ever lived in XXXX XXXX, Az. I did not give Mechanics Bank that address. I have not been properly notified of any billing concerns or regular statements. Pursuant to consumer Fair reporting act 1026.5 ( b ) ( 2 ) and 5 ( b ) ( 2 ) ( i ) my rights have been violated. I am requesting immediate reversal of the improperly reported to all credit bureaus.

As the lien holder, they should know my address associated with the DMV, registration and car insurance is still in CA. My primary address which is also my DMV registered address and a home I own. NO other creditors/car loans made this mistake. ONLY MECHANICS BANK. 

Per Customer Service rep on XXXX the reason Mechanics Bank changed my address was because a change of address came in on XX/XX/2021 for the household of a sold home. This is also incorrect because the home wasn't sold until XX/XX/2021. Even if that is the case, Mechanics bank changed my account information without verifying it with me, the borrower. 

I've asked several times for a curtesy reversal/corrections as my car is now paid off with this predatory bank. The customer services agent says " no because we've left messages for you and your account has been passed due before ''. Regardless if my account has been passed due before, this filing is inaccurate and I have not received statements and therefore should be removed from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-05 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-05 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Hello there, a person applied for credit cards using my information and I ended up getting XXXX inquiries yet I didnt apply for these. This person applied to XXXX different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Americor Funding, LLC
State: MD

Complaint narrative:
I was working with americor to consolidate and repay my collections. They would contact the the companies on my behalf and negotiate to settle for less. Once they negotiated they would ask me if I agreed to a specific amount and repayment leaving out all of the fees. Once I agreed they added in all the fees and said I agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: AL

Complaint narrative:
I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim. 

After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth. 

I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: OH

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XXXX  : Collection account from 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 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This is a new loan. The first payment is due on XX/XX/2023. On XX/XX/2023 I contacted the bank and explained that I wanted to make my first monthly payment of {$540.00} as I like to make all of my payments early to stay ahead of my bills. The customer service rep told me that there would be no issues at all and a payment would be credited towards my first monthly payment and not towards the back end principal. After the payment had cleared I noticed that the due date for my next payment due had not changed and was still showing due on XX/XX/2023. I called the bank and explained the situation and was told that the payment was made too early and there was nothing she could do to change it and that I still needed to make a payment before XX/XX/2023. I again explained to her that I made sure to call and ask before making the payment because making a second monthly payment in the same month was not possible. She explained again that it was on me to just deal with it. I asked to speak with a supervisor. The rep put me on hold for 12 minutes only to come back and say that there were no supervisors available that he was on a lunch break. Again she stated that I had to make another payment before XX/XX/XXXX. After this back and forth she placed me on hold for an additional 32 minutes only to tell me to call back later.

There is nothing in my contract stating how early I can or can not make a payment towards my loan due date. It only states that it can not be late. I also have the phone call with the first customer service rep telling me that a payment on XX/XX/XXXX would be credited towards my XX/XX/XXXX payment.

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 2023-05-05 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-05 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: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

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 2023-05-05 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: IN

Complaint narrative:
As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to XXXX  any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recieved an alet from reporting agency that there was activity on my report I looked at report to find XXXX XXXX was listed as putting me in collections I called the number listed and they told me they could not giv me any information they could only talk to my lawyer.it was for somthing with Citi that shows in the collections box for {$2000.00} I have never in my life had any citi bank accounts or credit cards and they wouldnt even tell me what is was for. I recievd a letter about a year ago to my dtrs house from citi stating that someone was tying to open a checking accont on line in my name and my daughters address they had me talk to the fraud dept who assured me the checking account was not opened. 
I have heard nothing after that until my credit report shows this collection agency for Citi and a balance due of {$2000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Repeatedly charged accounts that are not mine being double charged in the same accounts

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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have attempted to dispute the debt with the collector because it does not belong to me. The information on the account does not belong to me. The name on the account is not mine and the address on the account is not my residence. I disputed and provided supporting information and this item is still being confirm as belonging to me, with the credit companies. The Reps at this company after letting them know my information was stolen and that I was a victim of identity theft advised I still pay the debt, completely disregarding that none of the information on the account verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: LEXISNEXIS
State: OH

Complaint narrative:
Not reporting accurate information according to ( 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

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 XXXXXXXX XXXX XXXX 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 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 2023-05-05 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been charged for a month subscription since XXXX of XXXX each month for XXXX up until XX/XX/XXXX. I did not notice the transaction until XXXX of XXXX. I filed a dispute with Chase Bank credited back all 6 months of charges and then reversed. I then contacted the merchant, XXXX, and they credited back 4 charged on XX/XX/XXXX and sent me a receipt showing 4 credits. I sent this document to chase, filed a claim, chase credited me back 3 charges and the reversed the credits. Chase at this point closed the case and will not reopen a dispute. I have contacted the merchant and they gave me transaction number. I contacted Chase and they stated the transaction number do them no good. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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