vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
On XXXX, I went to ER room, and it charged me {$520.00} for the medical check. My insurance company paid {$190.00}, I paid cash {$150.00} and {$150.00} from credit card, and discounted {$27.00}. I have already paid all the money that has no balance left, but I just received a mail from phoenix financial services, showing that I have a debt, with a wrong account number and wrong amount, but with my name on it correctly and told me I need to pay my debt. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: VA

Complaint narrative:
XXXX has violated my rights under Unfair Practices 15 U.S.C. 1692f Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business.

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 2023-07-23 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: MA

Complaint narrative:
I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that Equifax verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} I require Equifax to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} The account XXXX  needs to be examined due to incorrect reporting. The Balance of {$600.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need your agency to report the account as disputed while I'll be trying to find a solution. 


Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 


Account Name : XXXX  ( Duplicate entry ) Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
WELLS FARGO is responsible for incorrect billing and/or accounting errors. I tendered full payments for the mentioned accounts ( please see attached documents ), but the amounts were encoded incorrectly. Please correct this information immediately. Thank you.

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 2023-07-23 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed that I was receiving a bill from XXXX specifically XXXX XXXX  XXXX bill. I initially thought it was some fake bill because I have never opened a credit card from XXXX store. I noticed the bills again in the next XXXX months. I noticed my credit score going down, thats when I logged into XXXX, and XXXX to check where I found a number of revolving accounts, credit inquiries from banking institutions which I never requested for. I immediately called the credit bureau companies to report fraud on those credit inquiries and fake credit accounts opened under my identity. I was unable to free my XXXX  credit due to website errors but I will be calling them during business hours. 
In XXXX credit bureau reporting I saw the following credit cards opened in my identity which are not mine - XXXX. XXXX with a balance of {$8700.00} I also got hard inquiries from the company In XXXX credit bureau I saw the following credit cards opened in my identity which are not mine - XXXX. I also see CAPITAL ONE account ending XXXX XXXX balance of {$8700.00} I also see a hard inquiry - CAPITAL ONE/XXXX XXXX I have not opened the above credit cards neither have I requested hard inquiries from any of the above companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-23 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: NV

Complaint narrative:
I have reached out muti times to Equifax about XXXX XXXX sharing alleged private transactions with affiliates third parties without my consent or making me aware of their intent to share any private transactions. I have a right to privacy and you violated me for the last time. Send me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt with my wet signature. Also send me proof that I gave anyone at XXXX XXXX to share any private transaction to any third party written or verbal. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response and remove all account from all consumer reporting agencies list in uploaded file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: MI

Complaint narrative:
During the 2020 XXXX XXXX XXXX  was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to covid XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.

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 2023-07-23 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: MI

Complaint narrative:
During the 2020 XXXX XXXX XXXX  was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to covid XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: MI

Complaint narrative:
During the 2020 XXXX XXXX XXXX  was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to covid XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.

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 2023-07-23 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: WV

Complaint narrative:
I am seeking a debt collection letter. I do not owe the XXXX XXXX XXXX any money for service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This complaint arises out of a consumer credit transaction for a XXXX XXXX XXXX that is used for personal, family and household purposes. This vehicle was purchased on my credit card Pursuant to 15 usc 1602l ( ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) on XX/XX/XXXX from the seller XXXX, XXXX. 
This transaction occurred from a credit sale according to 15 usc 1602 ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. This credit sale sealed the deal within this agreement. In XX/XX/XXXX, I began to receive several statements from Bridgecrest XXXX XXXX XXXX ( Bridgecrest ) informing me that they are servicing a loan. On XX/XX/XXXX, I sent certified mail to Bridgecrest in regards to these statements about a loan that stated was due. In the attached exhibit ( see exhibit A ), it shows that Bridgecrest created an account with my private information and is making attempts to collect on an alleged debt that they have refused to validate. Bridgecrest, XXXX XXXX, has also stated that this alleged debt does not have to be validated and that they will continue to injure me by unlawfully repossessing my property without a court order. 
Under the fair debt collection practices act ; Congress states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : and furthermore, The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
How can a debt be owed on a credit sale, which Bridgecrest admits that this transaction was a sale and not a loan?

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 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
A bank account was opened by Frost Bank that was not authorized by me. I received a debit card in XXXX and bank statement on XXXX with a total of XXXX. A second bank statement issued on XXXX shows activity that I did not do or initiate. There are XXXX electronic deposits through XXXX for account verification of XXXX and XXXX on XXXX. There is a electronic deposit transfer of XXXX for XXXX. I never authorized opening this account and plan to contact the bank to investigate how it was opened and to cancel the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I run a small business as a windshield installer and I recently got a new client XXXX XXXX XXXX and everything went well he gave me a check XXXX and I deposit it into my account with chase bank on XX/XX/XXXX the fund were into my accounts. On XX/XX/XXXX I woke up with a negative account and the money was withdrawn from the check. I contacted the company he got aggressive and told me to call the cops that they will not help me. On XX/XX/XXXX I made a police report. On XX/XX/XXXX I went into chase to speak with a representative to see what they could do they said they wouldnt be able to help me. Still waiting to hear back from the Police. They insisted to try to resolve the issue peacefully but I invested about {$350.00} for the windshield itself and plus materials and my work. He couldve called and said he didnt like the work we couldve fixed it but he chose not to and just bounce the check without consulting first or making a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief