vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
I've spoken with multiple representatives at Capital Accounts based out of XXXX Tennessee and have been told that they will send me something from XXXX heating and cooling outlining the services they claim to have provided me in the amount of {$89.00}. I disputed this debt with them over the phone have yet to receive any information regarding the debt or a time frame in which it will be resolved. Spoke to a supervisor named XXXX XXXX who told me his extension is XXXX who told me that their information is public when requesting the address to verify the company on XXXX. He would not verify the address that I was seeing on XXXX and only explained it was public and kept giving me a XXXX XXXX XXXX is not the address on google. After explaining to him that I'm recording the call he said I never told him that ( which isnt required in Tennessee ) and then decided to laugh about our conversation and push me off the phone as if it was funny. This Supervisor was very rude and seemed like he could not care less about the fact that I've been trying to get to the bottom of this on multiple occasions now with no XXXX on the XXXX and then speaking in a very condescending way to me like he would prefer I remain in suspense about this. This debt is not valid and If this is not rectified in a way that I deem satisfactory I will be suing XXXX and this collection agency, which seems silly given its {$89.00}.

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 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I have a single account that is being reported as two accounts to the credit bureaus. In addition, the credit limit and the minimum monthly payments are reported incorrectly. The account has a XXXX limit. One report shows XXXX, another shows XXXX. These errors are causing problems in my home buying process, and Upgrade refuses to give me written documentation clarifying that I only have one account, and that they will fix the errors. The reason they give for this refusal to provide written acknowledgment of my actual account status is privacy issuesdespite the fact that they regularly post documents with similar personal information to my account portal. 

Im at risk of my home mortgage being denied at this point because of this misreporting, which makes it appear as if I have {$1500.00} in min monthly payments due to Upgrade. 

In addition, the truth in lending statement for this account is deceptive. The amount Im actually charged monthly is nearly double the amount shown on the XXXX, despite the actual balance being thousands less than the XXXX statement shows a payment amount for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Hello my name is XXXX XXXX In XXXX of 2021 a company by the name of Community Loan Servicing XXXX XXXX XXXX De XXXX XXXX, XXXX XXXX Florida XXXX took over my mortgage. During this process this company reported to all 3 credit reporting agencies that my loan was delinquent 180 days. This problem continues to be reported and Ive have contacted this company who acknowledged their mistake in writing. This issue has be hurting my credit report since last year. They sent me a letter stating that they fixed this issue on two occasions. Ive been working on keeping my credit good & this problem has ruined years of hard work and consist payment history. I need someone help with this issue as soon as possible. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: WY

Complaint narrative:
XXXX XXXX XXXX at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 


In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account number XXXX Has violated my rights. 

DEPT OF ED/XXXX Account number XXXX has violated my right. 


XXXX XXXX XXXX Account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. states a consumer have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX CO 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 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 2022-05-06 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX CO 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 explanation
Consumer complaint received 2022-05-06 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: AL

Complaint narrative:
This XXXX accounts were open in my name and they dont belong to me. 

XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00}

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 2022-05-06 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: TN

Complaint narrative:
Equifax is in violation under the FCRA laws 15 USC 1681 602A that states I have the right to privacy and 15 USC 1681 604A Sec 2 that states that a consumer reporting agency can not furnish any account without my written instructions which I have not given. There are also hard inquiries that were not authorized by me and my investigation and deletion requests have been ignored multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX CO 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 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 2022-05-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 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:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
XXXX are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-05-06 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: FL

Complaint narrative:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: FL

Complaint narrative:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXXt are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
15 us code? 1605 determination of finance charge. 
Look at the spelling of my name, XXXX XXXX XXXX, XXXXXXXX XXXX = fact=correct. Any thing alse is null and void. Fraudently convayed language is with charges of pergery that will hold up in the foreign vessel on dry doc. With evidence in hand. I'm going to give you10 days to fix this problem. Starting now.

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 2022-05-06 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: AL

Complaint narrative:
This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXX XX/XX/13 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 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Both my business & personal account has been effected drastically by Bank of America throughout the years. My personal account was closed after being with them for years due to negative amounts I was unaware of. I never received a call or notification I just sent to use my card one day and it wouldnt work. I called them and they told me they closed my account and that I owe them hundreds of dollars from fees. I told them I didnt even know it was negative and I wanted to resolve this to continue to use their bank and they only demanded money from me. Ive never experienced this over the years and it seemed like they didnt even care and didnt give me any other option to help even though we are all in a pandemic. I was told my account was closed and I wouldnt be able to get my original account back even if I paid. This caused my credit score to drop, I couldnt pay my rent how I normally would and was forced to pay through XXXX XXXX and other places which charged me even more fees. My business account has been charged multiple fees any day it is brought into the negatives and every day after if it is still negative even {$1.00}. Times are extremely hard right now, I myself have had XXXX and have A lot of people around me who have it now as we speak which has caused me not be out of work and hard to find work. On top of that I have two kids and one of their mothers has XXXX right now so I have to support more than I am able to. Im not able to send her money via XXXX transfer to support our child anymore, Im forced to bring her money which is not safe for me because I dont want to get XXXX  again. Please 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 2022-05-06 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:
. To Whom It May Concern Experian has been sent letters 3 letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections on my credit report that continue to update. Now I see 2 new inquiries, and nothing is being done. I do not have any credit cards now but one card. Yet I have 11 hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX ( no verifed proof ) The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted 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 2022-05-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
Hi, I have a problem. I work in XXXX. The company gave me a bank card for my deposits. It's called " shylight ONE. '' They hacked my account and made withdrawals from my account. cash withdrawals and it is not like that I have the history if you could help me I would greatly appreciate it it was in the month of XX/XX/2021 what they did was unfair Total {$2300.00}

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 2022-05-06 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: TN

Complaint narrative:
INFORMATION WAS LISTED ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVE

Company response to consumer: Closed with explanation