vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5300.00} XX/XX/2019 15 U.S.C, 1681section 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 instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: RI

Complaint narrative:
I was called today by a company called Kinum. I spoke to a woman who threatened that if I did not pay this medical debt which was not even {$200.00}, that they would ruin my credit score. I paid literally sobbing because that's the kind of fear that they want to inspire in their consumers. They told me that I should be grateful as they knew I was young and " didn't want to do that to me ''. Even though I literally just found out that it was not possible. I called them back and asked to speak with the woman, but was instead directed to a manager, who seemed very outraged when I informed him, that I don't really believe that me reporting this instance on their site would do anything. After all, given the number of bad reviews, and of the obvious bots with good reviews, 2+2=4, let 's be honest. Not to mention, them threatening some of the people who left bad reviews with legal action. But doesn't change the fact that they are currently misrepresenting the law. I just wanted to filed a complaint, so that they could stop trying to threaten people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: GA

Complaint narrative:
I have disputed several times with Experian fraudulent things that are on my credit report due to identity theft. They have refused to accept my dispute claiming they didnt believe it was me. I filed a report in a complaint with the CFPB previously and the only thing Experian did was email me telling me I had to re-dispute everything that they had no type of file of me disputing anything, they are lying. They are refusing to let me dispute certain things because theyre connected to addresses that are fraudulent and theyre refusing to let me dispute addresses because theyre connected to fraudulent accounts. They have had several breaches, and I do not trust them. they have notified me that my information is on the black web, and it shows me different addresses, and names that are trying to use my Social Security number, but they refuse to do anything unless I pay them to remove them.

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 2023-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a mortgage thru US Bank. Received a letter that a loss mitigation app had been approved XX/XX/XXXX. They would send options and if I did not reply then they would assume no longer needed. Made no such app. Then received a letter saying I was approved for a 3 month plan of XXXX to begin in XXXX. A plan that I never applied for or approved. So I called again and they said they could not remove it but payments would be changed back to XXXX and file would be notated that I rejected the offer. I was worried this would affect my credit which would affect my job but I was to do my own error resolution apparently. He said if I made another payment in XXXX I would be caught up. Close to XXXX in one month. Was talked down to, nothing was researched except looking at their screen repeating well your XXXX pmt was deleted on our end you are 39 days late and I was due for XXXX. I said no I was told if I made 2 payments in XXXX I would be caught up next payment would be due XXXX. I have to do my own error resolution while working doubles with no days off. I will upload everything I have to show I am and have been current. When they set the plan up they set it to start in XXXX but letter received shows XXXX was to be start date. My whole XXXX pmt went into a suspense account. So now I am 40 days behind for XXXX payment. Ive tried calling 3 times but they talk down to me and dont even attempt to research. 

This all stems from an escrow shortage when there was not one. I listed the property last year. Listing ended in XXXX. XXXX went to closing with XXXX, received closing disclosure 30 minutes before closing. An hour after closing they send a corrected one to be signed due to a {$3.00} recording fee they forgot. I reviewed the doc and net to seller went down by $ XXXX. So I cancelled the closing. And have not tried to sell since then. 

I received a notice yesterday saying taxes have not been paid. But taxes and insurance are escrowed. I reviewed recent escrow statement and it shows that taxes and insurance payments have not increased but yet Im short {$1100.00} yet nothing had increased when payments had already gone up {$100.00} this year from XXXX to XXXX due to shortage. All of a sudden I receive a payoff statement XXXX of this year that taxes will be held in escrow until closing. Received no such notice when I was actually going to sell it last year. This seems to be their way of making me pay penalties for late taxes they did not pay but paid last year. 

So now I am behind on payments and taxes.

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 2023-08-10 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: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
Someone opened an auto loan in my name, They repossessed the car and added it on my credit report with a balance. 

XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX : {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX also on the paper I received my first and last name is spelled correctly wrong but the SSN is correct there was something opened in my name when i was only XXXX XXXX XXXX i can provide my license just to prove my birth date the amount they are trying to garnish from my check is {$2500.00} i am going to attach the letter I received in the mail and also I was told it was from a gas and light company here 's some of the information Open date - XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Judgement in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, EQUIFAX AND XXXX ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, XXXX AND EXPERIAN ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : 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

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have XXXX hard inquiries I don't recognized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: VA

Complaint narrative:
I opened a US Bank Smartly Checking account online on XX/XX/2023, with an opening bonus of {$600.00}, which I should make more than {$10000.00} direct deposit within 90 days after the account opened. I actually made more than XXXX direct deposit by XX/XX/XXXX but did not get any bonus. 
I called US Bank on XX/XX/XXXX and was told I should receive the bonus by XX/XX/XXXX. However, nothing happened, and I called back on XX/XX/XXXX and was told to receive it by the end of XXXX. However, nothing again. On XX/XX/XXXX, I spent another 1 hour speaking with them and was told I should receive it no later than XX/XX/XXXX. I called another two times after that, and every time I heard a different story and was kicking around like a ball, I was kept transferred around but everybody told me a different story sometimes they told me someone will call me back the next day. However, I never receive the call back nor receive the bonus which I should receive. 
It's really frustrating and to me a huge mental health burn.

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 2023-08-10 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: IL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This is not my debt I have never had an account with XXXXperiod. Take this off my credit you can not prove this is my debt because it's not mine please remove or I will have to contact the state attorney office and my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
HELLO ON XX/XX/2022 I ask Fay Servicing to have escrow to pay property taxes They lied about fees. we ask them to close the account. Because I already paying the city They said that they will process it and they never did it. 
It is one year that passed, we keep asking them to close the escrow acct and refund the tax payment I provide all the papers, letters, documents that they requested. 
I even went to city and found out more than than they asked for. 
They keep playing and saying waiting to get answer from the city and in a mean while they are charging me. 
I send them the proof from the city they got refunded about 6 months ago. 
They got over $ XXXX from city of XXXX XXXX ( people money ) and they are saying they cant see it in their account, and waiting to get answer from the city???? city dont call back anyone, I send them the proof of the wire from the city Apparently they dont credit customers account They get money from the city and charge the client as well. THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my 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 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

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 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I received notification from Convergent Outsourcing on XX/XX/23 stating that I have a debt balance owed to XXXX of {$270.00}. I have contacted XXXX/directly and verified I am not in debt collections. Letter was dated from convergent on XX/XX/2023. I believe that they are trying to commit fraud from me.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 the irs deposited an ACH deposit into my checking account in the amount of {$210000.00}. I expected the money that day and made arangments to purchase a lot property in XXXX XXXX from a private owner, so i went to pull out XXXX at us bank at XXXX in XXXX XXXX Nv. Proceeded to the next branch to get the remainder and the branch manager took it up on himself to report my deposit to fraud and locked me account. My kids are hungry i cant get to work, i cant feed my kids or afford to take them to school because us bank was my primary bank that has now locked my account for no apparent reason at all. I am requesting immediate access to my money inside my account

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 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I contacted the creditors, I contacted the Bureaus. I've had no responses from them

Company response to consumer: Closed with explanation