vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020

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 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP

Complaint narrative:
i found an unknown credit card in my credit report on XX/XX/XXXX company : US bank national association d/b/a elan financial service amount XXXX XXXX usd and i call the bank and would like to dispute the charge and they told me they will look into it but on XX/XX/XXXX i got a mail from them and they told me that i owe XXXX usd which from the credit card i never apply the unknown credit card had several unpaid balance on XX/XX/XXXX and XX/XX/XXXX in california but i do not live in XXXX since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020

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 2023-02-13 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:
This was not sent in error I am a consumer by law and it has come to my attention that Transunion have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then XXXX why are you reporting late payments 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 2023-02-13 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: GA

Complaint narrative:
After reviewing my Experian credit report ( XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/2022 XXXX {$1600.00}

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 2023-02-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I sent a letter on XX/XX/22 to XXXX XXXX regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony bank / XXXX XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all XXXX bureaus and this is a violation of the FCRA because all data furnished should be the same. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 45 days since my letter to this company.

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems and their client have placed a {$500.00} collection on my credit file for a deductible on a bond policy that had paid my previous landlords monies for damages/fees I supposedly incurred due to my leaving. 
Originally, I was disputing this debt under the notion that it was for damages left in an apartment and potential violation of lease fees, because thats what I was told by the leasing office. This information was not correct. The account manager for National Credit Systems XXXX XXXX XXXX who had previously provided me with incorrect information, updated the reason for the debt to be that of one owed to a Bond Company that was in contract with XXXX XXXX XXXXXXXX XXXX XXXX Once the reasoning behind the debt was clarified ( XX/XX/XXXX ), I explained that I did not leave my apartment with any damages. I have a few clips from my move-out. In addition to this the regional mgr XXXX approving my leave. I had purchased a home and could only break the lease without penalty with his approval. The conditions were to give the official notice, leave the apartment in mint condition/have anything fixed my maintenance prior to the leave, and complete a walk-thru. All those conditions were met. Now I'm being told by NCS that the bond deductible is owned by me due to the apartment complex stating I owed for damages and prorated rent ... .the bond company apparently paid XXXX XXXX XXXX for damages that were completely false. When I asked for the bond company 's direct contact info or to be conference called with them NCS declined my requests. I went to the physical location of the apts, the maintenance mgr XXXX even confirmed to the new owners that nothing was wrong with my apt when I left. The new/old property management offices have neglected to return my calls. The NCS account mgr told me on a recorded line that she's never seen this overturned and that I should just pay what I owe. She told me that there was no way to prove the apts had sent in false info to the bond company. Even with a statement from the maintenance mgr and a vid of my apt she stated that no one ever wins in these scenarios. I abided by all the terms of my early lease termination which is how I was able to leave without penalty. I do not owe this debt and have been blocked and rejected at every turn to fix this injustice. Please help me. There has been no evidence from XXXX XXXX management or the maintenance staff anything other than my leaving the apartment in outstanding condition. Also, I even paid utilities days after I left, and no one reached out to inform me that this was happening from the leasing office. 

I have attached a screenshot of the timeframe where XXXX approved my request. The video says " exceed '' I was unable to upload it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I went to purchase a vehicle from XXXX and XXXX they ran my credit to multiple banks without my permission and then denied me the auto loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/TJX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/CARE CREDIT 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 SYNCHRONY FINANCIAL ( Finance ) XXXXXXXX XXXX XXXX all reporting negative 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 2023-02-13 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: PA

Complaint narrative:
Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXX auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX auto for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXXXXXX XXXX was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.

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 2023-02-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account was closed XX/XX/XXXX by the company. I made last payment of {$52.00} XX/XX/XXXX. Which put all debts paid and current. Since XXXX XXXX XXXX XXXXXXXX has reported this closed account as late, charged off, balanced owed of {$52.00} since then with continuing to put dates that would make the account current. Which this account as said is closed by the company. After disputing several times over the years and attempts to have it removed from my credit reports, this XXXX XXXX XXXX XXXX XXXXas negatively impacted my credit scores and reports making it very difficult to obtain any type of credit anywhere. On XX/XX/XXXX i reached out again to this company to please remove this item, they told me that they would do an investigation and respond by XX/XX/XXXX. I have yet to hear anything from them. But I received an update about my score and that it had decreased XXXX points since the start of XX/XX/XXXX from this company doing their investigation. When I reached out to the first Credit Bureau XXXX on XX/XX/XXXX they said that the XXXX XXXX XXXXXXXX XXXX has made changes to my report several times over the years since XXXX which the gentleman at XXXX called " REAGING ACCOUNT '' which he explained is illegal to do and that this account should have been falling of all my credit reports as of this year XXXX. He then stated that he would dispute this and that I needed to also put in a report with the remaining credit bureaus XXXX and XXXX and to give them the info and the disputed item confirmation number, as well as to contact the CFPB and to do the same with them, which is why I am writing to you now.

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 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am needing immediate help to get this account by the name of XXXX XXXX XXXX XXXX back off of my credit because it has been removed several times and they continue to harass me and have violated my rights which I have been keeping record of in case I have to sue. This company has violated my rights in so many ways, I personally have recordings that I have transcribed of them willfully not providing me with actual competent proof of this alleged debt they are falsely claiming I owe them, they have even went as far of lying to me through the credit bureaus which I will also be holding accountable for them allowing me to financially hurt me the way they did and sending me cookie cutter responses, I am demanding this account be removed because they they have violated the laws set forth by the Federal Trade Commission of 15 USC 1692g 809 of the fair debt collection practices which states that proper notice has to be provided by the collector stating the ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Violation # 2 they attempted to mislead me by falsely claiming I have signed an agreement they have possession of and when requested they said they will mail it to me which I still have not received said original agreement they claimed to have alleging I would owe them for anything while also claiming to work on behalf of the United States government which the federal trade commission also states is in violation of the fair debt collection practices act of 15 USC 1692e 807. False or misleading representations along with the consumer financial protection bureau its. I am demanding this debt be removed from my credit report until competent proper and legal steps have been taken and proof of ( legitimate ) validation ( as requested ) has been sent to me directly and uploaded here 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