vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : 1. XXXX XXXXXXXX Bankruptcy XXXX 2. XXXX  XXXX Bankruptcy XXXX 3. Bankruptcy XXXX XXXX XXXX 4. Bankruptcy XXXX XXXX XXXX 5. Bankruptcy : Dismissed XXXX XXXX 6. Bankruptcy : Dismissed XXXX XXXX 7. XXXXXXXX XXXX XXXX  late payment account 8. XXXXXXXX XXXX XXXXXXXX charge off account 9. XXXX XXXXXXXX charge off account 10. XXXX XXXX XXXX XXXX XXXX charge off account 11. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX XXXXXXXX instead of XXXX XXXX, which is a violation of the FCRA. 
The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA. 
The late payment account for XXXXXXXX XXXX XXXX is inaccurate and should be removed from my credit report. 
The charge-off accounts for XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA.

Specifically, I would like to dispute the following accounts : 1. XXXX XXXXXXXX Bankruptcy XXXX 2. XXXX XXXXXXXX Bankruptcy XXXX 3. Bankruptcy XXXX XXXX XXXX 4. Bankruptcy XXXX XXXX XXXX 5. Bankruptcy : Dismissed XXXX XXXX 6. Bankruptcy : Dismissed XXXX XXXX 7. XXXXXXXX XXXX XXXX late payment account 8. XXXXXXXX XXXX XXXX charge off account 9. XXXX  XXXX charge off account 10. XXXX XXXX XXXX XXXX XXXX charge off account 11. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX  XXXX instead of XXXX  XXXX, which is a violation of the FCRA. 
The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA. 
The late payment account for XXXXXXXX XXXX XXXX  is inaccurate and should be removed from my credit report. 
The charge-off accounts for XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-21 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: OR

Complaint narrative:
Equifax is violating my rights under the fcra law by reporting XXXX XXXX  account # XXXX XXXXLast year I filed a complaint with CFPB the answer from Equifax was the solution for me to contact them which I have disputed the account by phone and correspondence and the willfully violating my rights under the law CRA and still wont delete a fraudulent account from my report which I sent them my identity theft report 3 times and the second complaint is that a late payments wont be removed when I have paid XX/XX/2022 XXXX account # XXXX and added proof XXXXXXXX XXXX  Account # XXXX I have paid this also and added proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OR

Complaint narrative:
My LexisNexis report is enabling me to get verified for employment and housing because the person information the agency are reporting is fraudulent and was listed on my Identify Theif report my name has a middle name and a different ssn is reporting so I cant be verified by any employers and creditors I have dispute by correspondence and on the phone but CRA willfully not deleting the fraudulent information addresses and Names and ssn number thats a violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I placed an order for car rental reservation on XXXX  for dates XX/XX/2022 through XXXX, XXXX XXXX. The vendor is XXXX. The total amount of the reservation is {$630.00}. 
While renting the car, this was the amount that I was told and by local XXXX that I will be billed. However, after returning back home to the US, I found that I was charged {$1000.00}, without any reason ( there are no extra charges for fuel, damage, late return etc. - the base amount is simply {$1000.00}, instead of {$630.00}. 

I filed a dispute with Capital One, and after a few weeks received a reply ( see attached ) that the vendor reject my dispute, attaching some documents that support, to their view, the {$1000.00} charge. 

I then replied Capital One ( fax sent on XX/XX/2022 - attached ), explaining that the vendor " supporting documents '' are simply internal records from their systems, without any evidence that I approved this charge, nor even was aware of it. 

I received a reply to this letter that the timeframe to handle a dispute has past, and therefore they are not able to address this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Email sent to XXXX XXXX XXXX XXXX : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( XXXX XXXX XXXX XXXX ) regarding a debt from Check n Go // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with Check N Go. Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for Check N Go who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The Check N Go representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that Check N Go alleges is my debt, however, I want information to prove this is my debt. As I explained to both Check N Go and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXXXXXX XXXX 2023 I downloaded the XXXX XXXX app to check on the accuracy of my credit report and discovered I had a hard inquiry and an auto loan from Capital One Auto Finance being reported. I have never applied for an auto loan with Capital One Auto Finance, nor have I never received any money from Capital One Auto Finance. This has to be some kind of mistake or someone has committed fraud, because I have never received an auto loan from Capital One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Regulation Z, Section 1026.53 requires payments in excess of the minimum be applied to the highest rate portion of the outstanding balance first. 

Citibank applied my payment in excess of the minimum to the lowest rate balance. It is required to go the the highest rate. I have been overcharged interest as a result. They have refused to address the mistake. 

On my XX/XX/2023 statement, the standard purchase balance was {$1800.00} On my XX/XX/2023 statement, the standard purchase balance was {$4100.00} The standard purchase balance, which is the highest rate portion of my balance ( 22.74 % ), actually increased. The payment was incorrectly applied to the lower rate balances My payments on the XXXX statement exceeded the minimum amount due by more than {$10000.00}. 

New purchases were {$3900.00}. 

The overall card balance decreased by more than {$6000.00} I attempted to resolve this through a series of phone calls with citi. Their representatives seem to be reading from a script that they are unwillng to deviate from. This results in answers that are not addressing the actual issue I am seeking to address. 

In a XX/XX/XXXX phone call, Citi representative XXXX admitted the mistake but said he needed to involve a supervisor to correct it. I was connected to XXXX who put me on hold, then disconnected after several minutes keeping me on hold. 

The net excess payment was applied to my lowest rate balances. It is a violation of reg z and needs to be fixed.

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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: WI

Complaint narrative:
On XX/XX/22 I was notified by mail that my property taxes were not paid from my escrow account with Flagstar Bank by XXXX County Treasurer. I contacted XXXX County to confirm no payment was received. 

I called Flagstar Bank on XX/XX/22 & XX/XX/22 to try to get them to pay the amount of XXXX for property taxes. They kept saying they paid it without any proof even after I notified of the deliquefy paper. They refused to paying it and said it was my problem.

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 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY DISPUTE FROM CFPB COMPLAINT ON XX/XX/2023 SHOULDVE BEEN UPDATED AND REMOVED WITHIN 4 BUSINESS DAYS. REF NUMBER : XXXX PER LAW : 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems.

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 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have an issue with Midland Credit Reporting for two different accounts. One is for what was a XXXX XXXX Account and the other a XXXX XXXX Account. I have tried repeatedly to get someone to explain this debt to me and show proof of it. I have proof that they did not validate debt in a timely manner. They wont answer any questions. I have requested they include the original contract and they refuse to do so. I want proof of all charges, fees owed, and contract. They refuse to do so! I have asked they provide what the money they say I owe is FOR, how they CALCULATED what they say I owe, copies of papers showing I agreed to what they say I owe, copy of a contract, proof they are licensed to collect in my state, and they havent provided any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AR

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 Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: DC

Complaint narrative:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX. These are not my 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 2023-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
NATIONWIDE CREDIT & CO has reported that I owe money for a medical debt. I was never informed I owed anyone ( medical practitioner or facility ) for this debt or given an opportunity to review what is being billed for or even the medical notes that can justify this billing. I have disputed this with the credit reporting agency, but they say it is valid. I can not get anyone to give me records of what or who this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation