vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: WI

Complaint narrative:
I don't know who this company is. The debt is showing up on my Credit report with a {$0.00} balance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: The Bureaus, Inc.
State: PA

Complaint narrative:
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX The above company on my record with the amount of {$580.00} does not belong to me. I do not own this account nor the previous creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I received notice today that SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX has added a collection debt to my XXXX report /account in the amount of {$170.00}. This account was previously disputed and removed from my report since the account was not owned by me. This is incorrect and is affecting my report. I ask that they remove this from my report immediately and due their due diligence before reporting debts to consumers accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: U.S. BANCORP
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, US BANK DS NORTHEAST add a hard inquiries on my credit reports.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Account # XXXX XXXX has incorrectly marked the above account as a charge-off with Experian, and possibly with XXXX and XXXX. 

The facts are as follows. XXXX was my electricity provider at XXXX XXXX XXXX, XXXX MA XXXX. I sold that property on XX/XX/XXXX. XXXX records will show that responsibility for that account shifted to XXXX and XXXX XXXX. Our family moved into a rental house where the owner retains responsible for the utilities. 

XXXX was told about this at the time the account was closed, and that my new rental address would be XXXX XXXX XXXX, XXXX XXXX MA XXXX. 

Nevertheless, XXXX sent the final bill to my old address. I had a mail forwarding instruction with the post office in XXXXXXXX XXXX. Despite that, the bill was never forwarded and presumably returned to XXXX. The utility took no further action. 

I first heard about this bill when an email alert showed up from XXXX XXXX credit tracking system. I logged into the Experian account to find out that XXXX had placed a derogatory remark against my credit which would remain for 7 years. 

Having become aware of the bill, I contacted XXXX, and its CSR confirmed that the bill had been sent to the wrong address. She was also apparently aware of my new address and asked me to confirm it, which I did. I asked her to remove the derogatory remark from Experian and other bureaus, if applicable, since I intended to pay off the bill online later that day ( which I did ). The CSR gave me a number in CT to contact XXXX XXXX. When I called that number, the security guard informed me that there were no employees in the building on account of Covid. 

A copy of the account having a XXXX  balance is attached. Yet, my Experian account incorrectly marks it as a charge-off. Further, the derogatory remark on the account will stay in my record till XXXX. I have contacted XXXX by telephone 3 times and haven't found anyone to speak to other than a customer service representative who has been unable to 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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.

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 2020-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Porsche Financial will not correct their customer facing website. The balance is incorrect. They also will not provide internet access for me to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-16 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXandXX/XX/XXXX CRAs. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations 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 2020-12-16 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: AR

Complaint narrative:
I was recently in the car dealership XXXX XXXX in XXXX XXXX, AR. I was dealing with a new sales representative and I gave the rep my information but explicitly told him multiple times that I had good credit and did not want them to pull a credit report until we agreed to a deal, then we could run the credit and everything. The first day we did not come to an agreement on the deal. The following day I was told they could make some modifications to the car, I told them that if those modifications were met then I would make the purchase. I told the sales rep to contact me with to verify the new tires and wheels were what I was wanting. I never heard back from him until after the tires and wheels were switched. I got several alerts from my credit monitoring before the switch was made. I contacted the dealer and asked them why they had run my credit because the wheels and tires were not to my satisfaction and the deal was not agreed to. The sales manager told me that once it hits his desk it's ready to go. I told the sales rep that I did not want my credit run and there was a pause between the two and the manager just said I don't know and walked off. Bottom line is there was a clear lack of communication between the two and this resulted in my credit score taking a hit. I do not feel that that should affect my score when I told him multiple times NOT to run my credit until I give them the ok. This is a training opportunity for the dealership and the need to communicate better instead of making promises they can not keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is reporting a charged-off credit card balance on my credit report for {$4800.00}, however this account does not belong to me. A long time ago, I may have been an authorized user on this account, but I have not been one for quite some time now. I have notified XX/XX/XXXXof this fact multiple times over the last couple of months. This account does not belong to me, and I am not responsible for the repayment of this debt. And futhermore, again, I am not an authorized user on this account, and it should not be on my XX/XX/XXXX credit report. I demand that this account be deleted from my credit profile 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 2020-12-16 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019,XX/XX/XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 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: IL

Complaint narrative:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

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 2020-12-16 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:
Equifax refuses to update my XXXX XXXX credit card balance to {$0.00} owed. They continue to report that I have a {$330.00} balance, when XXXX XXXX and XX/XX/XXXX updated this account to report a {$0.00} balance owed some time ago. I have made numerous requests for Equifax to make the appropriate correction, but they refuse to do so. The account number for this phantom account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX I received an email from my XX/XX/XXXX advising that my credit score had gone down 40 pts, I have great credit and stay on top of all bills. I log into my credit account and find out that it was Wayfair. My wayfair account is paid off, I owe them nothing. I call wayfair and found out that someone by mistake credited my account {$3.00} on XX/XX/XXXX on an old order # XXXX from XX/XX/XXXX by mistake. I had no knowledge of this but I paid off my account. On XXXX XXXX, wayfair reversed the {$3.00} credit, leaving me with a balance of {$3.00} that I was never aware of, they never sent me any letters or emails. That balance spiraled to {$45.00} which included 2 late fees and interest fees. I contacted wayfair and in the meantime paid the {$45.00} in order to not further affect my credit but not only do I want a refund, I want them to fix this error, I want a letter to present to the credit bureau as well owning up to their mistake. I spoke to a manager XXXX XXXX on XX/XX/XXXX who claimed to be shocked when she looked at my account and saw what occurred, she emailed me stating to give her a few days to get this resolved. Today is now XX/XX/XXXX and I have not heard back from her, I left several messages on her line and have E-mailed her 4 times, all e-mails going ignored. I called XX/XX/XXXX and spoke to a supervisor XXXX who claimed " we did our part, we credited by mistake but we reversed it ''. Never acknowledging that a credit should have never been placed on my account, the reversal of the credit after my account was paid off has caused late fees and my credit to be dropped. I asked for his manager ( XXXX XXXX, who advised that we had to call Comenity on 3 way to get this resolved. Comenity wanted XXXX off the line, I advised XXXX that Comenity was going to say, it is wayfair that needs to fix the error and of course when XXXX left the phone, the rep XXXX ID # XXXX stated that wayfair needs to fix it. I am getting nowhere with the resolution of a clear WAYFAIR XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I received a notice in the mail from XXXX XXXX XXXX XXXX. Attempting to collect a debt of {$670.00} to Synchrony Bank, for my Paypal account. I have contacted Paypal and Synchrony Bank. Both agree that I do not owe any such amount for any paypal credit ( billmelater ) account because my application was declined.

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK CLOSED THEN REOPENED ACCOUNT Blocking me from online access. TO STEAL MONEY-THEY STOLE XXXX CHECK. THEY LIE STATING I PUT THROUGH XXXX {$150.00} LATE WHEN I HAVE US BANK LETTER STATING THEY RECEIVED DISPUTE UNDER 60 DAYS ALSO THEY STOLE {$170.00} FROM XXXX DISPUTE. ALSO US BANK NEVER CREDITED THE FOLLOWING : On XX/XX/3030 US Bank responded they have {$310.00} credit on XX/XX/XXXX, XXXX-US BANK IS LYING. Us bank keeps going in steal. They blocked me from viewing account online and never delivered statements. They keep reopening account without telling me to STEAL. 

TODAY, XX/XX/20 XXXX branch manager, XXXX XXXX, called Police after she gave me her business card and I requested letter stating the account was closed. They are stealing MY govt checks.

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