vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
I have multiple hard inquires on my credit report by a dealership that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
Nationwide Recovery is attempting for the second time to collect this debt, see attached previous claim with you, number XXXX. As with the first they never sent me a notification through the US Mail, a direct violation of federal law. Please find attached the most recent attempt to collect this debt. Also, please find again, where previous collection agencies attempted to collect this debt. Nationwide is the 5th different agency to attempt to collect this debt, which was never verified. As with their first attempt ( third over all ) please delete this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

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 explanation
Consumer complaint received 2023-01-17 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: U.S. BANCORP
State: ID

Complaint narrative:
In XX/XX/2020 I was Declared deceased by U.s. Bank to the IRS twice. The first time was resolved by bank manager in XXXX Idaho in 72 hours. The second time was a week or two later and it took three months to resolve the problem. I would try to find out the reason why like asking proof of my death certificate or social security number and they would deny to talk anymore or hang up. I still never got the reason why I was deceased and am worried that something fishy was being done behind my back in U.S Bank. During this time I had a XXXX XXXX XXXX closed credit cards and could not do any loans because I was dead. This issue has been bothering me for the past few years. This all started when I was the power of attorney for my Aunt that past XXXX XXXX 2020. Things are back to normal but I dont feel right about what happened as a consumer in the bank with no reason to explain to me why, what, when, where with no proof in their hands. was there money in my aunts account that was dissappearing, I dont know. I would like an investigation on the u.s bank in XXXX Idaho.

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I was sent a letter from IC Systems informing me of an unpaid XXXX XXXX debt that doesnt belong to me. I called and disputed the debt and also called XXXX XXXX to gain any information on the account. They were not helpful in providing me any information and IC Systems was limited as to what they could offer. I received the letter some time last week ( XXXX - XX/XX/XXXX ). IC said they received the collection requests from XXXX on XX/XX/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 2023-01-17 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: PA

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 2023-01-17 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: Informative Research
State: GA

Complaint narrative:
I have multiple hard inquires on my credit report by a dealership that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have multiple hard inquires on my credit report by a dealership that was not authorized.

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 2023-01-17 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: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I received notice from a credit monitoring service that a new collection account was added to my credit file. 
I am not familiar with the creditor and have never been notified via USPS or email of such intent to collect on this supposed debt. 

I am concerned that no basic action of collection or notification took place prior to this collection account appearing on my credit-negatively affecting my credit score. 

I have asked the credit bureaus to dispute this information, on my behalf, however the dispute came back with results that said, " this account is verified by the company as being accurate '' and will remain on my credit. 

How is this possible when I was never notified of the intent to report to the credit agencies. 

THIS IS SO UNFAIR. My prayer for relief is that this account be removed, and the proper collection actions take place which allows myself and other consumers the chance to validate and/or pay this debt in the allowable timeframe my law. 

I was not given that option-now this collection account appears on all 3 of my credit reports negatively affecting my credit score and history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved I also reported it to them as well and I have a case with them so I also wanted to file a case with you guys to I can get the case rolling please and thankyou

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 2023-01-17 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-01-17 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I was contacted by Credit Corp Solutions Inc ( CCSI ) via phone stating they acquired a debt from XXXX and I owe them {$53.00}. I never had a debt with XXXX for {$53.00}. I have also been a victim of identity theft, which continues to plague me. I spend countless hours dealing with this type of harassment and I'm fed up. CCSI has now mailed me an affidavit to fill out regarding the debt, which requires a notarization. I do not know a notary, nor do I feel I should be burdened with trying to obtain and pay for a notary for a debt that is not mine. I do not have the money to run around town looking for a notary and to pay for the service. I should be compensated for trying to fix a problem that is not mine and for the incompetency of a company who falsely issued a service/product in my name. Finally, I filed BK in 2020 and whatever debts that were and were not mine should be protected under the filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I received two phone calls saying I applied for a mortgage on XX/XX/2023 and I immediately check my report and it looks like someone fraudulently is applying for credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We were sent XXXX XXXX percent XXXX promotional check from XXXX Chase in XXXX 2022.The XXXX was good on the balance for entire year - XX/XX/XXXX. I called to verify the use of the checks and information. 
We used the checks to the amount of {$15000.00}. 
During the next XXXX months our credit card payments were made to cover only the purchases over {$15000.00} since we had XXXX percent interest on that amount for a year. 

However, XXXX Chase credited our payments towards the {$15000.00} and not toward our other monthly purchases- News I received on a phone call with a representative. 

I would like the monthly interest fees from XXXX of XXXX {$80.00} and XXXX of XXXX {$240.00} credited back to us. 

I called and and emailed the XXXX Chase XXXX on XX/XX/XXXX, and they refused to refund and said the payment amount would always go toward the lowest interest rate balance on the card. This was not disclosed on the phone or written on the paperwork of the checks when they were mailed to us in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
In Accordance with the Fair Credit Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate.That is grounds for removal your company are violating my rights under 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 non-monetary relief
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX XXXX XXXX XXXX.

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2023-01-17 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: PA

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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Coinbase closed my account back in 2018 for unspecified reasons. Since then, I have been desperately trying to get my transaction history for tax purposes, to no avail. They have sent my transaction history in pdf format, which I can not use for tax purposes, rather than a XXXX or XXXX file. The file they sent also contains no information regarding transactions made on Coinbase Pro ( formerly GDAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

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 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 2023-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American International Finance, Inc.
State: NY

Complaint narrative:
The comany XXXX XXXX will not and has not sent me a deficiency notice about the my old reposessed car. They sent me an amount that I have to pay through email without any legal information. I have asked to send the notice and they do not want to. Up to the point where I had to tell them I was going to look for legal help. Ive emailed and called for the past year multiple times and no letter has been sent. Last time i emailed they said they sent the letter to an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act capital one has violated my rights. 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. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation