vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I.C. SYSTEM, INC contacted me on a debt from a utility agency that they could not accurately communicate date of service. I did not reside at the address provided for over 7 years. This collec tion agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.

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 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
- I have received a misleading notice from US Bank, letting me know that I have been approved for a loan. An email stating " Congratulations, your loan is approved '' can be provided as evidence. 
- This email included a " Accept your loan '' call to action. 
- After clicking this call to action, and accepting the loan, I was asked to provide my account information ; the information of the account my checking account where they would disburse the funds and also to set up autopay from this account. I provided all the information. 
- After submitting all this information, I received a " this is not supposed to happen '' -type error message on the screen. 
- I called and was being told that all is good and the loan just needs to be confirmed by an underwriter. I should go to my local branch and sign the paperwork. 
- I went to my local branch and they didn't have the actual paperwork. Told me they'd call me when they have everything. 
- I received a call after 3 days from someone asking me for the two latest pay stubs. They called it " verifying my information ''. So my loan wasn't " approved ''. This is misleading and deceptive. 

Long story short : US Bank provided misleading statements which lead me to waste time, money and resources on their process. I was obviously not approved. It also slowed down a construction project which was supposed to be funded with this loan. They further set the expectation that it was just a matter of signing the paperwork online. Which was inaccurate. I decided to stop this. Sadly, they had already run my credit and now I have this on my credit report. 

I think this needs to be reported. US Bank can't do this. They're setting inaccurate consumer expectations. They need to be called out for this. This needs to have consequences. 

I did the same thing now with XXXX, who also sent a " You are approved '' email. It took 15 minutes and everything was closed and done. A day later the funds were on my account.

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 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent a debt validation letter to XXXX. I never received any response back. It has been past 45 days. This is a direct violation of the Fair Credit Reporting Act. Also this XXXX  debt is a direct violation of my privacy which also is a direct violation of the Fair Credit Reporting Act. Please remove account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
In accordance with the Fair Credit Reporting act 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 has XXXX 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 2022-05-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act Infiniti Financial SVCS acct # XXXX. has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}

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 2022-05-27 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-05-27 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
I Have discrepancies on my report in towns I never lived, and names spelled wrong on at least 2 of them which aren't mine and it is still showing information from when I was married and filed bankruptcy even before getting divorced in 2010 so none of that should be on there. Also, with the one showing I had late payments is false, I was never late with them, they had me set up on something I knew nothing about until they said I was 60 days late and then said oh our fault, but it's already been reported to credit bureau, nothing we can do about it. I want it off my record. I should have good credit ; no excellent credit and I am tired of not being able to even get a loan to fix my house up because the false information on my report. Thankyou.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} 2. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through TransUnion, XXXX, and XXXX on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from TransUnion told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX XXXX She told me to freeze my credit online with TransUnion, XXXX, and XXXX. I immediately went online and freeze my credit on the same day.

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 2022-05-27 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: Uplift, Inc
State: TX

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

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: VA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions. 

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.

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 2022-05-27 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: VA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-05-27 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: TN

Complaint narrative:
Transunion has had two separate FTC report sent to them despite the law stating that it is not even needed for inaccuracies but yet they choose to ignore what is being sent and continue to send stall responses as to why they cant use it they have been withholding the documents way pat 7 business days any accounts are still invalid.NO consent is in fact a form of idenity theft. they need to be 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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
ive had a wells fargo account for over two years and today tried to transfer money to a linked external bank account and it told me to call customer service to verify my identity at XXXX they said both my phone numbers werent eligible to be used to verify my identity. they put two cases in one for number XXXX with reference number XXXX, XXXX with reference number XXXX they said it will take 5-7 days to make them eligible. my account number is XXXX checking and XXXX savings.

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 2022-05-27 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NJ

Complaint narrative:
Inproper haddling of a dispute submitted to XXXXXXXX XXXX XXXXXXXX. I did not reside at the address provided for over 7 years. This collection agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.

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 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS ACCOUNT IS CLOSED AND PAID IN FULL AS OF XXXX XXXX I HAVE FILED DISPUTES AND FILED WITH CFPB. THIS INFORMATION NEEDS CORRECTED WITH THE SUPPLIED 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 non-monetary relief