vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Ive filed a dispute with Experian, but the company XXXX XXXX mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.

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 2023-04-21 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:
Experian notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at Experian and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. 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 2023-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have discovered that the Credit Card Company has provided inaccurate details on my credit report, including incorrect dates, amounts, and records of late payments. Moreover, each credit bureau has different erroneous information on file.

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 2023-04-21 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I wrote XXXX XXXX regarding an error on my bureau. ( Account Barclays Bank Delaware # XXXX ) regarding errors, I noticed with the payment rating, balance. 

XXXX was to update my report after investigating : XXXX duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXXVIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) XXXX XXXX REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from XXXX XXXX XXXX XXXX Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher XXXX XXXX to conduct a reasonable investigation. 

Barclays violated 15 USC 1681s-2b Consumer Portfolio was not listed or updated on my bureau with the dispute FCRA states XXXX XXXX is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, XXXX XXXX has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it. 


As a result of XXXX XXXX FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent XXXX XXXX from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.

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 2023-04-21 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: MI

Complaint narrative:
Transunion is reporting a account on my credit report that is not mine. the amount is {$12000.00}. I have contacted Transunion and the will not investigate and show me what they received from the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Penny Mac Loan services, has claimed they paid the property tax bill on my house. 

They have not. I have been informed by the city of XXXX XXXX, XXXX XXXX @ XXXX, XXXX The amount in question is still delinquent and XXXX XXXX @ XXXX XXXX has threatened to put a lean on the house. 

I called Penny mac and they said they had in fact paid, but could not show me any evidence that they did. They simply stated that they did, I asked them to refund me the money and then I would pay myself to avoid the lien. 

They refused claiming without any evidence they had paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CBC Companies, Inc.
State: LA

Complaint narrative:
On my credit reports via Factual Data they have ONE DEBT " XXXX XXXX '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-21 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX  on my Trans Union report. Trans Union was notified of this and has not taken any steps to correct the issue. I've attempted to contact XXXX XXXX but they directed me back to Trans Union.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
Old national bank closed my account after I made a deposit I rescission contract because the is a breach of contract as the beneficiary without recourse I demand that damages be paid for my fee for any surety assets and interest also the breach of contract fee is XXXX XXXX dollars for all closed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
Answered calls first two times, silence on other end as if robocall. Third time blocked number. Did XXXX XXXX of number found multiple complaints of excessive calls from XXXX XXXX operators. XXXX has no outstanding debts in arrears past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Late payments were reported on my credit report for the following. 


XXXX XXXX - XXXX late - 7 missed payments XXXX XXXX XXXX XXXX XXXX 2 missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SC

Complaint narrative:
Late payments were reported on my credit report for the following. 


XXXX XXXX - Currently late - 7 missed payments XXXX XXXX XXXX XXXX XXXX 2 missed payments

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 2023-04-21 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: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. XXXX  XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. PNC BANK-XXXX ). On the same date, and I never authorize any of these company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/ I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( XXXXXXXX XXXX XXXX 2.TD AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). On the same date, and I never authorize any of these company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

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 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I purchased my XXXX XXXX in XX/XX/2019. It was a lease with option to purchase at the end of the lease. The dealer mislead me. I was told that my lease payments go towards the purchase price of the car If I choose to buy the car at the end of the lease. It made sense to me because because i could get a new lease or just keep the car and the car would be virtually paid off if I chose to keep it. The opposite happened. I made lease payments for three years and decided to keep the car at the end of the lease expecting too owe less than {$10000.00}. The payoff quote states almost {$20000.00}. I was intentionally lied too. My son who has some intellectual deficits didn't understand the deal they said they were giving me. I myself am a XXXX  citizen. They took advantage of my family and I am very upset. This needs to be corrected as I am considering filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was marketed a Citi XXXX Credit Card with an offer to balance transfer in XXXX of this year 2023. It has been nothing but a headache for the last 4 months. As recently as yesterday I was on a call with a supervisor from the bank. Every time I call I get a different story. I have also gone into my local Citi branch for assistance they have tried to assist but have not had any better luck than I. The buck doesn't stop anywhere you just keep getting passed around. It seems they are marketing these financial products with no intention of actually providing them. The right hand does not know what the left hand is doing. Structural incompetence with little to no synergies between inner bank parties. Interesting when you catch an interview with a CEO ( in this case XXXX XXXX on XXXX ) the culture espoused by the person at the top is in no way reflected in the behavior by the individuals I interfaced with. It appears that the high net worth individual may have the ability to circumvent this abuse, unfortunately not so for the average XXXX at the retail level.

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 2023-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights 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 instructions

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 2023-04-21 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: CA

Complaint narrative:
1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.

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 2023-04-21 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: CA

Complaint narrative:
1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NorthShore Financial, L.L.C.
State: LA

Complaint narrative:
On my credit reports via XXXX XXXX they have ONE DEBT " Northshore Financial '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.

Company response to consumer: Untimely response