vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: NC

Complaint narrative:
XXXX XXXX I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY CREDIT SCORE DROPPING XXXX POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO REPORT

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 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

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 2023-02-24 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: NC

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. 
Account name : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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, 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 2023-02-24 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: NC

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. 
Account name : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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, 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 explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my credit score. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXXXXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX  XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX  XXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my credit score. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a big problem : I can prove around {$5500.00} in mortgage fraud but I can't get credited for it. I emailed cashed checks to Truist 's fraud department ( who never wrote back ) and to another address I was told to send it to ( who also never wrote me back ). I asked Truist for my payment history and my checks are much higher than my history. I keep a spreadsheet showing payments I made. I logged payments up to XX/XX/XXXX but not between XX/XX/XXXX and XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and started making minimum payments after then but before then I often overpaid. Everything checks out up to XX/XX/XXXX and after XX/XX/XXXX but is off between then. I had XXXX banks during this period. XXXX I have canceled checks for and the other I don't. The XXXX bank shows all drafts between XX/XX/XXXX and XX/XX/XXXX and no overpayments when I sent all checks and overpaid every month. The scenario that makes the most sense to me is someone worked both at BB & T ( Truist ended up buying them ) and my bank ( XXXX XXXX ) and altered my bank statements to conceal their embezzlement from BB & T. I have XXXX XXXX doing an investigation now. That's been going on XXXX business days. Neither bank shows withdrawals between XXXX and XX/XX/XXXX or from XX/XX/XXXX to XX/XX/XXXX. I asked Truist for checks between XX/XX/XXXX and XX/XX/XXXX but didn't hear back. So I'd like to be credited for the fraud I have proof for ASAP and would like to see all check images I sent between XX/XX/XXXX and XX/XX/XXXX. Truist said they were investigating but I've been writing since Monday and can't get a reply. I have XXXX cashed checks showing about {$5500.00} in fraud but there are 21 months in question. If I multiply {$5500.00} by XXXX I get {$16000.00}. Since there's a gap in my spreadsheet I'm only guessing but I estimate I overpaid between {$12000.00} and {$20000.00}. I think the amount freaked out Truist which is why they haven't written back. BB & T never had problems cashing my checks but Truist is having trouble giving me credit for fraud I can prove. The amounts to look for are {$1200.00} ( the minimum I sent ), {$1500.00}, {$1500.00} and {$1600.00}. I'm not sure if I ever sent any checks for {$1600.00} but know I didn't pay more than that and didn't pay below {$1200.00}. I'm " verbally challenged '' so text ( XXXX ) or email ( XXXX ) are the best ways for me to communicate. I am verbal just not easy to understand. I called them probably five times. Im told they need proof even though my bank statements have been altered. I wrote them on XXXX on XX/XX/XXXX and explained the predicament. They said they were launching an investigation. Ive written every day since Monday ( except today ) and cant get a reply. Id be happy to email supporting documents.

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 2023-02-24 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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XXXX XX/XX/2023 Carrington Mortgage received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from Carrington my phone system might have blocked the call.

I would like to point out that Carrington DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. 

On XXXX I went into the website and I realized that the amount had change. I immediately contacted Carrignton and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail.

Since then I have been calling Carrington to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total Carrignton Mortgage took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. 

However, the real injury is not that I'm out thousands of dollars but that Carrington also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took XXXX XXXX  from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years.

This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have never given permission to furnish the information to XXXX XXXX XXXX Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

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 2023-02-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been getting contacted by a company stating that I owe them money and u don't know who there are nor owe them any money. I've emailed the bureaus letting them know that this identity theft but no actions have been taken by them. I sent mail to all three bureaus on XX/XX/XXXX & XX/XX/XXXX. below would have a file attached with the companies that have been harassing me. 

Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: MS

Complaint narrative:
This company refused to provide me with any documentation where i XXXX XXXX gave KLS FInancial Services permission to create an account using my personal information. I asked several times, & i was ignored each time. This company is truly becoming a problem. They are hindering me from being able to provide for my family and its really taking a huge effection on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: DE

Complaint narrative:
Fraudulent inquiries appearing credit report

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 2023-02-24 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I found a deal on hotel from reservations.com for XXXX dollars for XXXX nights. I clicked on the reserve button looked at information it said XXXX plus taxes and fees so I hit the button and it said my room was confirmed but when the email came they charged XXXX dollars XXXX in taxes to my credit card. I cancelled the room right away but they made it a hassle I started dispute with capital one right away. This has been going on months i call capital one they say send this and it work but i always get immediate dispute deny then they close case even this last time they said file it under new thing immediately they denied. I cancelled for overcharge XXXX minutes after reservations.com did that and it was over a month and half early. I paid XXXX for a room that wasn't as good because i was still going on trip. They told me call and ask hotel cancel and if it was ok. I did they said it's fine but reservations.com had to do it. I am not and can't afford pay almost XXXX dollars for nothing but having a room for XXXX minutes month and half early. The hotel now says I'm not in computer meaning they sold the room again this is just crazy it's like they are allowing total fraud and people get ripped off. I need help i have all the information and proof all i can think of is take it small claims court and just not pay the bill. Please help XXXX is a lot of money for me it's a month of XXXX and XXXX hours weeks all for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXXXXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX  or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXXXXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your 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