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: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2023 I file a dispute on all the credit bureau telling them that balance is incorrect reporting from XXXX financial service that I used 90 % usage of my credit card which I didnt that XXXX of XXXX Which I used XXXX at that time instead XXXX. I called the company first and they informed me my usage was below 20 % when they reported to the credit bureau. I just got email from XXXX stating the the information that was reported was correct and no changes is going to be made.This incorrect balance has drop my credit score down a lot and the credit bureau XXXX really didnt look into this if so my credit score would have went back like it was. I am trying to build my credit score not low it. Thank in advance

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 — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
The following accounts are erroneous and they threaten my livelihood. ( - # 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 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 XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I did not receive notification of a debt collection. I only found out when it was reported on my credit report, damaging my score. I have never received any communication from the debt collection company. I have requested debt validation and a request to remove the collection from my report with no 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 information incorrect
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: MN

Complaint narrative:
In accordance of the fair credit reporting act Discover account number XXXX, has violated my rights. 


15 USC 1681 section 602 states I have the right to privacy.

15 USC1681 SECTION 604 A 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 and purpose.

Company response to consumer: Closed with 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: LEXISNEXIS
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from Lexis Nexis stating that the following account could not be verified and it was immediately DELETED from my credit file.

US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account.

* Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account.

PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
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 XXXX XXXX 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 XXXX XXXX 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. XXXX reported the payment as 30 days late to Experian and it lowered my Fico score substantially. I have tried to resolve this with XXXX and recently Experian has tried. XXXX 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 XXXX posted the check 13 days after the payment due date never 30 days late. Thanks for you help!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 and XXXX 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 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: EQUIFAX, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Niagara Central Revenue
State: TX

Complaint narrative:
A fraudulent company called XXXX keeps calling me and requesting for me to call them back. They have been calling me for over a year. I do not know what it pertains to, but I did a search on them by XXXX  XXXX scam, and the XXXX XXXX XXXX appeared with multiple complaints saying the same thing. The complaints say that the company is a scam, and they are not a legit company. Like most Scammers, this company keeps calling me as is the case with those other complaints. If this was a legit company, I would have received a letter with supporting documentation. I don't owe anyone anything. I keep all my bills current. They have called me many times!!! Their most recent phone call was yesterday, XX/XX/2023, and a woman named XXXX left me a message requesting that I call her back at XXXX. I have yet to have any communication with this " company '' because I already know they are scammers. I have never received anything in the mail. I do not want to get on the phone with them because they might record me such that they ask a question, and I respond, and then later they re-record the conversation with a response that seems like I agree with them. Again, I have never had any communication with them ever! I am not sure where they are located, but I think they may be in XXXX. Please help!

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
They have contacted me multiple times about 5-6 times a day and Ive told them to stop calling me but they dont at times Ill answer the phone call and no one will say anything at all. They have tried to threaten me with legal action and then tried to speak with my child who answered the phone. Its a constant problem they call me anywhere around XXXX XXXX  just want it to stop.

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: EQUIFAX, INC.
State: MA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Im reporting a company called Statebridge. Around XXXX, I had filed XXXX I was past due on mortgage payments and credit card-. I successfully finished the bankruptcy as of XXXX. Statebridge reps continued to say they never got the money from the courts and I still owed them what I paid in bankruptcy. Im XXXX, they refused my monthly payments and sent me back my checks. The customer service reps would hang up on me and laughed. They said I owed money from XXXX and tried to extort the same amount I paid in bankruptcy. They said if you pay XXXX XXXX we will accept your monthly payments. I reached out to the trustee and judge who set up the monthly payments that were paid in bankruptcy and said state bridge is indicating they did not receive the funds- I have the email. They were trying to extort money and told me to contact their lawyer and said I was in foreclosure in XXXX. They were trying to scam me out of more money and should be brought to justice. They lied and fraudulently increased the amount of my loan as well. I told them I was taking them to court for extortion. Now they are suing me for the amount that is past due since XX/XX/2020. I feel they set me up and scammed me. They violated XXXX XXXX XXXX and should be liable for extortion and fraud. I have an attorney and trying to sue state bridge. Last XXXX, they sold my loan to XXXXXXXX XXXX XXXX They have my loan amount incorrect. I want a full audit and investigation on my loan and Attorney XXXX XXXX who is a scammer and sued for extortion. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received an email yesterday from Bank of America stating thank you for opening an online mobile bank account with them and then later that day got an email stating the application was denied. Again this morning, I got an email stating the application to open an online account with Bank of America was denied due to the amt. of bank inquiring about opening an account under my name nad social and the bank relationship that Bank of America has with the attempting bank inquiring about an account. I called Bank of America XXXX and they spoke with XXXX  and because an account was never opened they can not do anything about this at this time but I wanted to make sure I had some kind of fraud protection or alert on my social security number

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: NJ

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
A debt of {$350.00} has been reported by XXXX Credit Bureau. They never contacted me until they reported the debt. I told them that I had paid the company already in form of security deposit. When I started renting I paid a security deposit of {$650.00}. While they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I financed a 2017 XXXX XXXX XXXX XXXX Wells Fargo auto, & have yet to receive compensation for my XXXX coverage when my loan was paid off early. Additionally, I was charged additional fees and interest improperly.

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 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: 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 response to consumer: Closed with non-monetary relief