vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX bank gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from Citibank as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..

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 2023-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: FL

Complaint narrative:
There's a debt collection of {$980.00} from a collection agency called UNITED REVENUE CORP. After contacting them several times to inform them it was fraudulent activity they couldn't help and kept sending me to the original creditor : XXXX  XXXX XXXX but no one is available to answer the phone or to guide me to the right department to inform them about this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reporting on XXXX  : Address is incorrect Never lived at this address. 
XXXX XXXX XXXX XXXX XXXX XXXX  CT 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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX  gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from XXXX as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation
State: FL

Complaint narrative:
Numerous attempts to stop call including do not call list violation. Old debts buying practices to attempt any gain. Debts collections that is not generate or agreements between collector and owner to attempt financial gain.

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 2023-05-02 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-05-02 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I am currently on XXXX XXXX with the United States XXXX, assigned to XXXX XXXX, Louisiana. While on XXXX XXXX I purchased a XXXX XXXX XXXX automobile. The vehicle was financed with, and mortgaged to, GM Financial for approximately {$26000.00}. Because I fell into arrears on my monthly payments ( approximately 2 months ), in XXXX, XXXX, GM Financial seized the vehicle from my residence at XXXX XXXX, Louisiana, without any notice to me and without a lawful Court Order. 

GM Financial has a mailing address of XXXX XXXX XXXX, XXXX, Texas XXXX ; telephone no. ( XXXX ) XXXX ; FAX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
on XX/XX/XXXX I was charged XXXX on my apple card ending in XXXX. I began receiving hundreds of spam messages and mixed in the middle was a XXXX  receipt from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States for Invoice # XXXX XXXX XXXX XXXX XXXX ( XXXX sq. ft. ) XXXX  hours {$1200.00} Includes... 
- Interior/Exterior Photography - AI Post-Production Enhancements XXXX FREE Blue Sky Replacement for Cloudy Days on up to 5 photos - Comprehensive On-Site Layout Assessment. 
- Branded 8.5 '' x 11 '' PDF Floor Plan suitable for printouts and brochures. 
- Unbranded Floor Plan linked directly to MLS once listed. 

I have no such building for onsite photography and assessment. if this were authentic, an address and connection to be would be easily produced. 

the charge was upheld on XX/XX/XXXX. 

I reiterated the fraudulent and authorized nature and requested their gathered evidence. no evidence was provided and the charge was restored on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC

Complaint narrative:
I'll try to make this brief as possible, covid impacted also exemployer broke DOT and FMCSA laws found guilty had to leave to protect my life and license, fell behind several months mortgage sold to a company called Shellpoint after having several serious issues and gathering info RED FLAGS popped up on laws suits on wrong billing improper information LIES committing criminal acts for personal greed, gain, and self interest like abusing religion to steal land and not pay taxes Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
My credit report states I had Late payments in XXXX & XX/XX/2020. 

My payments were deferred at this time were deferred due to the COVID-19 emergency. 

This is the only time my payments have ever been late.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
My credit report states I had Late payments in XXXX & XX/XX/2020. 

My payments were deferred at this time were deferred due to the COVID-19 emergency. 

This is the only time my payments have ever been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
My credit report states I had Late payments in XXXX & XX/XX/2020. 

My payments were deferred at this time were deferred due to the COVID-19 emergency. 

This is the only time my payments have ever been late.

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 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MT

Complaint narrative:
I refinanced my loan in XXXX with a different company, the car is now paid off and they are still maintaining a lien in North Dakota. 

I contacted them to get a lien release, and they informed me XXXX XXXX ( who took over the loan ) would have to request the lien release. 

I contacted XXXX XXXX, and they informed I would have to contact Westlake Financial to get the lien release.

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 2023-05-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new XXXX account. My husband has a business bank account with XXXX. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX XXXX. XXXX opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while trans and equifax reports {$4000.00}. Equifax reports a different last reported day than experian and transunion. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on equifax. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including my correct address. 

XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There is a discrepancy of a late payment for my XXXX account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for Equifax, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and Equifax, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There is a discrepancy of a late payment for my XXXX account. For my Experian and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for Experian the balance {$19000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There is a discrepancy of a late payment for my XXXX account. For my XXXX and Transunion account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For Transunion and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023, my wallet and phone were stolen from my vehicle. There is a police report with my local PD made on this situation. There was XXXX taken out of my account and made to XXXX XXXX sports book, the merchant is refusing to give me a refund and chase bank is not deciding in my favor as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
My credit report states I had Late payments in XXXX & XX/XX/2020. 

My payments were deferred at this time were deferred due to the COVID-19 emergency. 

This is the only time my payments have ever been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA, 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 11. The inquiry was not authorized XXXX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 15. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 17. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 18. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete from consumer report 19. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 

XXXX Account Number : XXXX Delete from consumer report 20. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX Account Number : XXXX Delete from consumer report 21. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX Account XXXX : XXXX Delete from consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Source Receivables Management has violated my rights multiple times. They have been harrassing me through phone, email, and, mail. I did not give them permission to contact me nor given them my current mailing address. They have violated my consumer rights under code 1006.6.in which states, ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. I hace not given them any permission to contact me via phone, email, or mail. I am disputing as well because I had no previous knowledge that I can dispute any derogatory marks placed against me by the original creditor or the collections agency. I seen them placed on my credit report and I disputed the discrepancies on my own. In turn, I am asking for a full copy of charges and account statement summary from original creditor or documentations that show my signature and information that willassist to the ownership of this account. In which, I do not have any knowledge of having an account with XXXX. I want Source Receivables Management to be fined for the harrassment and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
Please delete all hard inquiries these are not authorized by me! 

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 non-monetary relief