vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I just received a notification on my experian credit report that a collection from a " Phoenix Financial Services '' is owed in the amount of {$1900.00}. I've never done business with this company nor do I have any dealings with them. I do not owe them a debt so there is no reason this should be on my credit report. They do not have any contractual obligation from me because they would be able to provide my wet signature. This is not in accordance with the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CT

Complaint narrative:
On XX/XX/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my TransUnion credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

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 2023-04-01 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: CT

Complaint narrative:
On XX/XX/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my XXXX credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, representatives signed for the certified dispute letters that was sent to XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Funding for the accounts on my consumer reports. I have not been notified of status of the investigation neither did the company notify the credit bureaus for them to leave the comment required by law stating the the account was in dispute within 30 days. The companies mentioned above have broken the law and I'm requesting that the negative accounts be removed from my consumer report.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to XXXX and TransUnion ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both XXXX and TransUnion actually decreased my score, XXXX by XXXX points, and TransUnion by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted TransUnion. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX points. I then asked them why my score was lowered XXXX points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXX XXXX 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my TransUnion score by XXXX points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.

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 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
On XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) through XXXX XXXX XXXX and STILLMAN LAW OFFICE LLC filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action XXXX, XXXX, and STILLMAN caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
The original debit reported was {$150.00}. I requested the last bill statement and that incurred an additional charge making the total {$160.00}. I paid the balance in full and the charge was removed from my credit report. The charge has reappeared and I confirmed with XXXX  it is paid in full. AmsherCollectionServices is hard to reach and if you do get an agent they are rude and not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Servies has made countless mistakes with reporting on my credit report which violates FCRA regulations. There's two in particular one of which is when I traded in my XXXXXXXX XXXX for a XXXX XXXX. The next is when I traded in a vehicle from XXXX XXXX to Toyota Financial Services in XXXX. I would like all late payments removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i have a n item on my experian credit report for XXXX from XXXX XXXX XXXX. for a debt when i call nobody including me knows what it is for. I have requested the info and it be removed over and over i get nothing and experian says they instigated and found it to be legit. But even when i call the experian people dont understand why it is there. All i know is i don't know what the amount is for. They say its because didn't give notice but i did, I moved out later XXXX, and told them why. I am only told i owed like XXXX and the y applied my deposit to it and for stuff that i wasn't even there anymore. if its legit fine but i can not get anything saying what its for and if i cant experian cant so how can it be on my creditor report its bs.

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 2023-04-01 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: WA

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 USC 1681. 

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 XXXX XXXX XXXX XXXX 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 an account without my written instuctions.

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 a 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 2023-04-01 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: WA

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 USC 1681. 

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 XXXX XXXX XXXX XXXX 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 an account without my written instuctions.

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 a 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 2023-04-01 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: KY

Complaint narrative:
I made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and Transunion about the dispute not correcting the error and follow that up with another dispute. TransUnion close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX  XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and Transunion refuses to fix it it is affecting my credit score to the point that I was denied a new card.

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 2023-04-01 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: KY

Complaint narrative:
I made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and XXXX about the dispute not correcting the error and follow that up with another dispute. XXXX close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and XXXX refuses to fix it it is affecting my credit score to the point that I was denied a new card.

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 2023-04-01 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: CBC Companies, Inc.
State: LA

Complaint narrative:
XXXX continues to furnish Previously Disputed unauthorized non public confidential Consumer account information. Child Support and XXXX accounts are adversely effecting my Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: OR

Complaint narrative:
I have sent a valid copy of a valid police report to Experian and they are still refusing to correct errors on my credit report

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 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer report.

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 2023-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XX/XX/23 XXXX. Called my previous employer with an automated message. My former employer called them back and informed them they can not call a place of business. He debit collector gave her an attitude and stated " it isn't illegal and they are open 7 days a week and can anywhere since they are open ''. When she repeated they can not call the debt collector argued with her and then hung up on her. Now my former employer and possibly former coworkers are aware a debt collector is searching for me. My chance of rehire is now gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
This bill was already paid and it was set up as autopay. 
I dont see any amount I still owe from XXXX XXXX they have to send this to the collection! If I was paying them through autopay! 

I am trying to build my credit to buy a house! Then this happened! So my credit score will definitely go down!!!! 

If I have a lawyer I will sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I mistakenly requested a balance transfer from my Wells Fargo credit card to my XXXX credit card for the amount of {$6000.00}. I meant to transfer a balance from my XXXX credit card into my Wells Fargo credit card of that amount. I attempted to cancel this balance transfer but was unable to do so as the processing began and it could not be canceled. Since there was no balance to pay off on my Wells Fargo account in other words my current balance at the time was {$0.00}. After the balance transfer my account was now negative {$6000.00}. I called Wells Fargo to send me a credit balance refund so they credited the account but they never sent over a check to me in the amount of {$6000.00} so that I could pay back that amount to XXXX. I even called Wells Fargo 's executive department that handles complaints like these and investigates the issue however they were not able to resolve anything so I am still {$6000.00} short. I was responsible to pay a higher balance on my XXXX credit card for a mistaken balance transfer request. In order for XXXX to process a credit refund on my account for {$6000.00} they need me to send them a check from Wells Fargo. I also need a refund of the balance transfer fee of {$300.00} that I was charged by XXXX for this incorrect request which they could only refund me as soon as I send them the {$6000.00}. Wells Fargo has failed to help me resolve this issue. Also, a Wells Fargo representative guaranteed me on a recorded line that I would be receiving a credit balance refund in a form of a check in 7-10 business days from the day I called and requested the refund which was XX/XX/2023. They have still not refunded me that amount.

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