vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: SD

Complaint narrative:
I have been contacted by the lawfirm below. This is my letter back to them and it contains all the information needed to file this complaint. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTENTION : XXXX XXXX NOTICE AND AFFIDAVIT OF TRUTH Hello XXXX XXXX : I responded to a letter from your corporation once before and told you that you were committing Identity Theft and you would be held liable for the sum of {$250000.00} for this crime if you did it again. Today, I received another correspondence from you XXXX XXXX under the letterhead of that corporation of XXXX, XXXX XXXX XXXX, XXXX. and this time you could not even get the address right. You are XXXX XXXX 

You can not talk to me! You, XXXX XXXX, represent a corporate entity with no authority over me, a man. Neither your firm nor you personally have any security interest in the real property in question nor the paper pertaining to it. I have no contract with you personally nor with your firm, XXXX, XXXX XXXX XXXX, XXXX. 

I am not the surety for this Account and i am not the PERSON you are addressing in your correspondence. I am a living man, not a name. 

The Account has been satisfied previously and also ab initio and the security interest has been lawfully rescinded. 

XXXX, XXXX XXXX XXXX, XXXX. and/or XXXX must Send a check for the amount on the XXXX XXXX I have enclosed if they can figure out the right address. Every time you try to correspond with me I will charge you another {$250000.00} for Identity Theft plus {$1000.00} for each word in violation of Consumer Financial Protection Bureau regulations or which is offensive to me personally. 

If your firm attempts to steal my property, I will add appropriate charges of XXXX XXXX dollars to this XXXX  XXXX and file a case in District Court against you XXXX XXXX in your personal capacity and in your capacity at your law firm. 

XXXX : XXXX XXXX XXXX, Beneficiary, XXXX, Account Owner, XXXX, Original Creditor

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am writing to file a complaint against US Bank regarding their inaccurate reporting of my credit card information to XXXX and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. 

On XX/XX/2023, my US Bank account information was deleted from XXXX, leaving me with only one credit card account, which negatively impacted my credit score. 

On XX/XX/2023, I immediately reported this issue to US Bank and requested that they correct the issue and report the account accurately to XXXX. However, US Bank has not taken any corrective action within the 30-day deadline ( reported XX/XX/2023 ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. 

Today, US Bank account information is still entirely missing from XXXX. At the same time, this US Bank account does exists on XXXX and XXXX. Keep in mind that US Bank company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. 
But still missing on XXXX no matter how many times I contact US Bank. I was told by US Bank " everything is reported accurately. '' each single time I contacted US Bank about this issue. I reported to US Bank in accuracy and even showed XXXX and XXXX Report showing my account information. US Bank ignored my dispute. 

As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. US Bank has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.

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 2023-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/23 a savings account with Bank of America was opened in my name and I closed it as soon as I got an email telling me my application was submitted and approved. I called Bank of America right away and the account was closed. Today ( XX/XX/23 ) two more savings accounts were opened with my information and those were closed as well.

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 2023-04-02 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I had a car loan in XXXX, or XXXX from XXXX XXXX XXXX and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my 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 explanation
Consumer complaint received 2023-04-02 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I have a few charges from XXXX to my American Express credit card and i was unauthorized it on XX/XX/XXXX right immediately to Amexrican express company with the amount is {$2700.00} {$2700.00} {$100.00} $ XXXXThey did done investigation and credit me back but i told them there are still have another {$2700.00} it was double charged with it the same amount ( {$2700.00} ) and ordered id.I have confirmed do you have to pay for it and the agent clearly answers me that was a pending adjustment and i am fine now don't worry about it.So i was thought it was done and wasn't pay attention on it.However I was checking my last year stament on XX/XX/XXXX and find out there was and extra charge still there and confirmed by Amexrixan express customer support representative the amout {$2700.00} is outstanding balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02 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: DC

Complaint narrative:
The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.

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 2023-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a complaint to XXXX that I noticed my score dropped XXXX points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted XXXX via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from XXXX, I called them to find out what happened, but they said the case number I received from XXXX by email was not valid and must have been from a different part of XXXX which they could not identify. There answer at XXXX was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with XXXX on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XXXX XXXX  when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX  points on XX/XX/XXXX was because there are 5 closed accounts listed on my credit report. I informed the XXXX employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from 793 to 637 at one time would be a Bankruptcy. 

I submitted a complaint electronically to TransUnion on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.

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 2023-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a complaint to Equifax that I noticed my score dropped XXXX points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted Equifax via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from Equifax, I called them to find out what happened, but they said the case number I received from Equifax by email was not valid and must have been from a different part of Equifax which they could not identify. There answer at Equifax was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with XXXX on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XX/XX/XXXX when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX points on XX/XX/XXXX was because there are XXXX closed accounts listed on my credit report. I informed the XXXX employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from XXXX to XXXX at one time would be a Bankruptcy. 

I submitted a complaint electronically to XXXX  on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Following Inquiries Are Not Mine, I AM STATING THAT I EXPLICITLY DID NOT AUTHORIZE THESE CREDIT INQUIRIES. 
They are invalid and were not performed by me - thus please delete them. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-04-02 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: NJ

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 : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-02 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: AL

Complaint narrative:
I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Ive applied for Loan Modification twice and have been denied. Mr. Cooper has failed to return inquiries, never has assigned service agents available to assist nor respond to calls. Ive repeatedly had to submit the same documents multiple times just to be denied once again. I am told I do not qualify for COVID relief despite being directly affected by the pandemic. FHA has advised me that FHA Lenders are obligated to work with borrowers to avoid foreclosure. I did not receive any notification from Mr. Cooper why my modification was denied a second time. Upon navigating the website, no other assistance was available online.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: AL

Complaint narrative:
I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason

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 2023-04-02 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: AL

Complaint narrative:
I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason

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 2023-04-02 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:
Experian is in violation of so many FCRA codes its insane. 

They are receiving the letters requesting incomplete and inaccurate information on the XXXX XXXX XXXXXXXX credit report to be removed. I puzzled how an account can be reported as past due and yet be " charged off ''. A person shall not furnish any information relating to a consumer or consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian is reporting this false information without my consent and it is affecting my livelihood. They go on these public websites and extract information and sell it for profit as if I do not have a right to privacy. Moreover, credit may not treat a payment on a credit account under an open ended consumer credit plan as late for any purpose yet they continue to put these negative marks on the credit report. I have no choice but to file suit.

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 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX bought debt from XXXX XXXX XXXX XXXX.. Debt was past NYS statute of limitations so XXXX XXXX XXXX first called multiple times a day after being sent multiple letters to stop contacting me. Next XXXX XXXX XXXX lied after being told they were past the statute of limitations by falsely saying I made a payment on XX/XX/21 to keep the account active. When asked to provide written proof I made a payment and how much the payment was for they said they can not release that information. XXXX XXXX XXXX are now trying to intimidate me by having Pressler, Felt & Warshaw LLP contact me with paperwork designed to make me think they could still sue me over the outdated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation