vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
On XX/XX/23 I traded in a vehicle to a dealership who obtained a 10 day payoff. The payoff was mailed in and arrived and posted to the account on XX/XX/23 in the amount of XXXX. The regular payment of XXXX was due XX/XX/23 and after XX/XX/23 a 10 day XXXX dollar late fee was added. The amount received and posted by Bethpage FCU XXXX on XX/XX/23 was approximately XXXX dollars short of the payoff due to the late fee and the extra days until the check posted. I had contacted Bethpage FCU XXXX XXXX XXXX XXXX XXXX NY XXXX, numerous times during the entire time to check on the payment. The dealership did send the extra XXXX dollars and the account was fully closed and paid in full. 5 years early. I understand the payment was 13 days late and the late fee was paid. Bethpage reported the payment as 30 days late to XXXX and it lowered my XXXX score substantially. I have tried to resolve this with Bethpage and recently XXXX has tried. Bethpage feels the payment was 30 days late, I disagree I believe the check posted 13 days after the payment due date should represent a payment, its unfortunate the mail was delayed or the mailroom at Bethpage posted the check 13 days after the payment due date never 30 days late. Thanks for you 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 2023-05-09 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: CT

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In compliance with the FCRA, I demand an accurate report on my consumer credit file.

You have, yet again, failed to do so. Noting your last major impact to my consumer credit file, you brought your inaccurate information into the current year. This has negatively impacting my familys financial life. Now, with your latest correction, you have brought your inaccurate information to the wrong month that you claim is correct.

At this point I demand the information be removed until such that you can provide proof as required by the FCRA.

Your shameful lack of responsibility in regards to how this drastically impacts consumers lives is entirely unacceptable. Please do your job as required by the law and accurately report to all three credit bureaus immediately.

Please note that any further negative and inaccurate alterations by yourself or your company will result in a public civil suit for damages to the full extent of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CT

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
distress and XXXX, to XXXX XXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: MD

Complaint narrative:
I recently check my credit report and noticed a collection on my credit report account number XXXX Complete Credit Solution this account is reporting inaccurate information. The account is reporting a debt collection that is reporting as a closed account on XXXX, but on XXXX and XXXX its reporting as open. Further more this account was once closed on XXXX but has now been reopened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-05-09 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX there were multiple charges from XXXX {$570.00}, {$570.00}, {$69.00}, {$69.00}, and {$30.00} which led to 3 overdraft fees in the amount of {$170.00} for my account going into negative balance. On XX/XX/XXXX I made claim number XXXX which I received a letter a week later saying, " no fraud committed ''. I have not received a reason for this or a call back. I went to the branch, in person on XX/XX/XXXX and made another claim ( which they said would be expedited and I would get a call back within 48 hours from claims department. Today, XX/XX/XXXX, I still have not been refunded my money and in addition, my cancelled debit card was charged yesterday {$30.00} from XXXX ( and bank is telling me that if charges were approved on XX/XX/XXXX then XXXX can continue to make charges despite my debit card being closed ). I have gone over 3 weeks without over {$2000.00} in charges and fees which is causing extreme financial distress and as of today, bank is just saying they will " refile the claim again ''. This will be the 3rd time and I really need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: IN

Complaint narrative:
I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CT

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft & have reported this to the credit bureaus & the police department as well as identity theft.gov three credit card issuers have verified Im a victim of identity theft & have removed the trade lines from all credit bureaus. I reached out to upgrade to inform them I am not going to pay for a cc that is not mine. I have provided them with all information I can. The upgrade rep through email wants me to call XXXX XXXX  in a three way call to verify the bank they sent money too is not in my name. I have held XXXX XXXX accounts so yes there will be a history for me but I will not provide my info to another company to satisfy upgrade. I already provided documentation & I received no response they have not provided me with any evidence this account is mine no paperwork, signatures, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
Account should be closed. Its illegally on my created. Report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX sent me a prepaid card after I paid my bill in 2021 because they thought I overpaid. I did not receive this card. Nevertheless the company readjusted the amount and found that they had sent more money back than they meant to and continued to harass me despite me telling them about their error. I continued to call and even reported them to the XXXX  because they put a delinquency of my credit report which is how o found out about them claiming I wowed them money as well. Additionally, I had closed the account after that one payment and they failed to close it for an additional 2 months claiming that they had no record on file even though I referred them a name and date on which I called to request my account be closed. I continue to sufferer financially because of XXXX mistake and would like it corrected. I have been denied loans and opportunities because XXXX failed to do due diligence of their records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
With the lawsuit issued I had checking account between 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 2023-05-09 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: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Im writing because your company has a few items that are incorrect XXXX XXXX does not belong to me XXXX XXXX XXXX is not late also XXXX is not late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I saw the lawsuit with Wells Fargo and have been a customer for years. XXXX not sure if XXXX entitled to any reimbursement.

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