vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
XXXX XXXX XXXX Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on Experian shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, Experian shows XXXX and XXXX shows 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 2022-05-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to properly apply agreed upon extension resulting in multiple late payments are credit. 

Despite supporting statements from witnesses, countless contacts with various departments and their own reps stating in multiple occasions this was employee error they would be remitting they are now giving me the run around month after month asserting this is accurate when we both know their less than ethical tactics and shady practices are anything but. 

I even paid 2020 XXXX payment through XXXX XXXX quick collect certified funds within 39 days despite having requested it to be part of the multi month extension during family tragedy and they marked me late that month as well. 

In response to my ongoing disputes they I finally state it never happened until I provide call logs, then they state to CRA execs they are removing it then they tell me its valid and start sending me excessive certified letters and communications in violation of cease and desist on file and it was never requested. 

They are sending me a contract citing I requested I did not and your contract as well clearly shows my due date for this long since closed account was the XXXX XX/XX/2020 which was not even due but yet still paid because of your disconnect in service and communication posted within 24 days.

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 2022-05-02 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: GA

Complaint narrative:
Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need XXXX to do what they need to do this is becoming a headache

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on XXXX and XXXX on the other XXXX. The date last active is different on all three bureaus. TransUnion shows XXXX, XXXX shows XXXX and XXXX shows XXXX. The date of last payment is XXXX on XXXX and 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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have made multiple attempts to rectify this problem. Under federal law, a debt remains on a credit report for a period of seven ( 7 ) years from the date of issue ( 15 U.S. Code 1681 ( a ) ( 4 ) ). This debt has been reporting since XX/XX/2015, with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: AL

Complaint narrative:
I recently tried to get a copy of all XXXX of my credit reports through annualcreditreport.com. I was able to obtain my XXXX and XXXX reports but not Equifax. 
when I contacted them the representative stated they were unable to provide me with a copy of my report because a previous creditor had used my middle name and they needed me to provide them with proof of my identity. I emailed them a copy of my card and my state-issued driver 's license. 

I received a letter from them stating they are still unable to provide a copy of my credit report for one of the following reasons : I have not applied for credit recently, I haven't actively used credit in the past 10years, or I haven't lived in the US or I do not have a SS card All of the above reasons are incorrect. I have provided Equifax with the means to prove all of the above. It is my assertion that they did not exercise due diligence regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
XXXX XXXX last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on XXXX and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, XXXX shows XXXX and Equifax shows XXXX. The date of last payment is XXXX on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
XXXX XXXX  last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on Experian and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, Experian shows XXXX and XXXX shows XXXX. The date of last payment is XXXX on XXXX and 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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
Fake Company from Oregon has my info WARNING me of past due COURT FEES OR FINES of {$750.00}, which I know for a fact I don't have!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
XX/XX/2022 Transunionis violating the Fair credit reporting act laws. I am requesting monetary relief. 

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE Transunion ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT NOR WAS I NOTIFIED WHEN THE BANKRUPTCY WAS PUT IN MY REPORT. 

XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 


XXXX. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

XXXX. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I REQUESTED XXXX TO CHECKED THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY TO VERIFY THE IF THE BANKRUPTCY WAS MINE. XXXX DID NOT VERIFY THE ADDRESS. 

XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


XXXX. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFYING ME WHEN THIS BANKRUPTCY WAS PUT 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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
The bank representative started off by promoting their credit card the XXXX XXXX in XXXX as he stated their wonderful product that gave XXXX points for dining and XXXX points for groceries and gas. Those are the things I use most so I was sold on the concept. So I applied and he suggested to use the mobile app and go paperless. I started the mobile app but still requested the paper statements to cross reference if I needed too. I recently needed to cross reference some charges and realized I have not been getting the points I was told in the very beginning. I am actually getting XXXX points for dining and XXXX points for groceries and gas. Its been going on since when I first got accepted even though the mobile app states XXXX getting the XXXX and XXXX. Basically its fraudulent that they advertise XXXX thing but give you another. Bait and switch is what I have and Ive contacted US Bank card member services on XX/XX/XXXX, XX/XX/XXXX. The first customer service person lied about my points. She insisted I am getting the correct points. The second customer service rep XXXX acknowledged the discrepancy and offered me XXXX pts. I agreed to it and also wanted all my points from the very beginning to be added to my account. She told me a supervisor would contact me on Friday, XX/XX/XXXX but nobody called. I then called today XX/XX/XXXX and spoke to XXXX and then XXXX the supervisor from card services at US Bank, Altitude Go which stated they are looking into it. I told her to add up my purchases for dining and they dont add up to XXXX points. She refused and told me rewards department would do it. I never got XXXX points stated by XXXX on XX/XX/XXXX. I did receive a survey of my call experience but XXXX quite dissatisfied. False Advertising/ Bait and Switch Tactics by US Bank

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 2022-05-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-05-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Macys Credit Card Account : XXXX Macys pulled my credit without my consent. 
I spent hours and weeks. I tried to properly communicate with the Macys store. Poorly trained and when I tried to kindly address the situation to resolve it. I received very terrible responses. I did not create this problem but yet I have to fix it and call, inquire, question and it horrible the few that actually know what they are doing. Now we are going into XXXX and inquiries are still on my credit reports. I am also filing an XXXX since Citi bank is financial institution on the Macys card. This has taken so much time and because of these actions I have returned a {$1000.00} of purchases. I have emailed the ceo and contacted the executive office of Macys as to make sure the complaint is well known. Its sad how people hate there job at Macys and do not care to be ethical. It dies not take XXXX months to remove an inquiry/inquires. 
Its horrible to spend time of non sense because the system is broken. Look at the thousands of complaints on line. This will not be tolerated and accountability should take place. Absurd that XXXX person dos not handle!

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 2022-05-02 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act Portfolio Recovery assoc XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and the items still haven't been corrected. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: OH

Complaint narrative:
Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$210.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$150.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

I filed a credit dispute on these items with Equifax, XXXX, and XXXX, the company XXXX XXXX is 100 % unresponsive to the credit bureaus and myself, I have sent settlement offers for the accounts and received no response, I then filed disputes with all XXXX credit bureaus and XXXX XXXX never responded to XXXX or XXXX, but Equifax claims to have verified the accounts, then refused to reinvestigate the accounts in XXXX of XXXX. I again sent correspondence to XXXX XXXX as of XX/XX/XXXX about the accounts and again no response, here is the letter sent to XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX To whom it may concern My name is XXXX XXXX my date of birth is XX/XX/XXXX and my social security number Your company said I allegedly owe you money for these accounts, XXXX # ( XXXX ) {$150.00}, ( XXXX ) {$210.00}, ( XXXX ) {$410.00}, ( XXXX ) {$410.00}. 
I will pay under one condition if can provide : 1. Validation of the debt, that is, the actual accounting. 
2. Verification of a signed Invoice. 
3. A copy of the contract binding both parties ( you and them ) in a letter by certified mail so that there is an independent witness to it having been delivered. 
There is no way that Equifax verified any information with this company when they will not respond to XXXX or XXXX or certified letter mail from myself, these accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
XXXX is charging me fees on fees for a fraudulent charge that they recovered. They have since sent the fees on fees wrongful charges to collections. They are also filing negative reports with the credit bureaus. 

This is immoral, unethical, criminal and Negligent.

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 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
I have requested a copy of my escrow analysis from my loan servicer and they have not provided me with it.

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 2022-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I was arrested for XXXX health and my income tax check came up missing from my bank and money has been spent out of my savings for someone else 's benefit

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 2022-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX and SANTANDER are two auto loans that need to be removed from my credit report. I do not owe on these accounts. Santander was a part of a class action lawsuit that I was a participant of, and should have been removed from my credit report last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries on my credit report that was unauthorized and I have called and asked questions and made complaints still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have inquiries on my credit report that was unauthorized and I have called and asked questions and made complaints still no change.

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 2022-05-02 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: Synovus Bank
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation