vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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:
Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( XXXX, Equifax, and XXXX ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Source Receivables Management is trying to collect a debt that was sold to them by XXXX. I never signed any agreement with Source Receivables Management. I sent a certified letter to them requesting a contract that has my signature on it stating that I owed their company. They sent me the contract from XXXX. XXXX has already written off this debt and received a tax credit for the debt. Also, Source Receivables Management is not licensed in the State of Georgia to collect debts. I have sent certified letters to XXXX, XXXX, and XXXX making them aware that Source Receivables Management can not collect in Georgia and they still verify the debt and leave it on my credit. I provided the credit bureaus with the information that i received from Source Receivables Management. XXXX has stated that they verified the debt via XXXX XXXX. My XXXX XXXX account has been frozen fro over two years. Not sure how they are able to get information from XXXX XXXX when my account is frozen. My account has also been frozen with XXXX, XXXX and XXXX. It is very evident that XXXX, XXXX and XXXX are not reading the correspondence that shows the evidence of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TN

Complaint narrative:
XX/XX/XXXX credit inquiry by places unrecognizable by XXXX XXXX XXXX I applied for auto loan approved next day they hit my credit alot that day wanted a XXXX $ down payment due to a collection on report from XXXX XXXX that is over 7 yrs old and they won't take off Equifax or XXXX I got it off XXXX and after I was approved for a loan in XXXX XXXX XXXX they sold the truck I wanted now credit is to bad to get financed anywhere XXXX XXXX is still saying I am not making payments on XX/XX/ and the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following account XXXX. ) XXXX XXXX XXXXAccount Number : XXXX ; XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXX XXXX/Account Number : XXXX ; XXXX. ) XXXXXXXX XXXX XXXXAccount Number: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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is not my account Ive never authorize this to be open, I never consent or signed with wet ink everything see, s online or digital which is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I received an email on my XXXX  account about a decrease in my credit score of XXXX. 

Upon checking my profile I discovered a total of {$290.00} was sent to a collections company called Franklin Collection SV. ( XX/XX/XXXX ) XX/XX/XXXX I contacted the collection agency who advised me an individual opened an account with XXXX XXXX XXXX two years ago in my name and/or social security number. During the past two years the thief paid on time and upon the completion of their term, returned all borrowed hardware. The remaining {$290.00} was an end of contract fee. This account was opened in XXXX Illinois. A location of which I have never lived in nor visited. I have lived in North Carolina for the past 8 years. Once I was aware of the case information I requested the collection case be labeled with a dispute. 

I notified XXXX  and notified them of the case being labeled with the collections agency as disputed. 

XX/XX/XXXX - competed this report for investigation. 

*Note - I was a victim of identity theft prior to this incident. Around XXXX of XXXX in the same location of XXXX Illinois as a result of an account being opened with XXXX XXXX XXXX XXXX XXXX The result of that investigation found me to be in-fact a victim of identity theft and not responsible for the collection case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: CL Holdings LLC
State: MD

Complaint narrative:
15 I S C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: FL

Complaint narrative:
This isnt my XXXX t Ive never authorize or consent with wet ink everything was done digital which is negligence by your company lack of security made my ssn vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXX XXXX XXXXAccount Number : XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXXXXXX XXXX/Account Number : 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 2023-02-12 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Auto loan high interest

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 2023-02-12 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am victim of identity theft and someone used my personal information to obtain this fraudulent account in my name without my consent. I am requesting for your company to delete and remove this fraudulent account from all three major credit reporting agencies or legal actions will be taken against your company. I did not benefit from any goods or services of this fraudulent account. I have also attached a copy of my police report filed with the XXXX Police Department. 

My rights have been violated. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: NY

Complaint narrative:
I am a Victim of identity theft.

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 2023-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Those information in my credit report are not mine since 2007

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting and updating a charge off from XX/XX/2020. 
The following account was charged off as of XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history which to my understanding, charge off accounts should NOT include an active payment history. Need I remind you this also falsey manipulates the statute of limitations.

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 2023-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green & Sons Agency, Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against Debt Collector ( Outsource Receivables Management ) and Merchant ( XXXXXXXX XXXX XXXX  ) for making false statements and representations because ( 1 ) I do not owe Merchant anything, and ( 2 ) the amount the Debt Collector claims I owe does not align with Merchants false claims. 

MERCHANT : Merchant is a licensee of XXXX car rental company. As further discussed in Attachment A, I rented a car and prepaid for the vehicle in full through XXXX. When I picked up the vehicle, I initialed the contract twice to acknowledge that I declined the fuel purchase option ( Attachment A, Exhibit 3 [ Merchants copy of the contract ] and Exhibit 4 [ the copy of the contract that Merchant provided me ] ). Also, at the time of pick-up, the contract provided to me stated the return time for the vehicle was XX/XX/XXXX, at XXXX XXXX. ( Id. ) In reliance on the contract 's terms, I returned the vehicle with a full tank of gas an hour earlier than it was due, on XX/XX/XXXX, at XXXX XXXX  ( Attachment A, Exhibit 5 [ return receipt showing I returned the vehicle with a full tank of fuel on XX/XX/XXXX, at XXXX XXXX  ] ). Therefore, I avoided additional charges beyond what I had already prepaid for the vehicle. 

However, on the return receipt, Merchant falsely claimed and charged my credit card for the fuel purchase option and an additional hour.

I attempted to contact Merchant to resolve the dispute. ( Attachment A, Exhibits 6-8 [ call logs and emails of my attempts to contact Merchant ] ). Merchant refused to look at the contract and yelled at me over the phone. ( Attachment A at pp. 5-7. ) XXXXXXXX XXXX XXXX  DISPUTE : Because the Merchant was uncooperative and yelled at me, I sought relief by disputing the charge through my credit card company. Attachment A is the letter and exhibits I sent XXXX to support my dispute. 

On XX/XX/XXXX, XXXX notified me that they had resolved the dispute in my favor and gave me permanent credit for the erroneous Merchant charge. ( Attachment B. ) DEBT COLLECTOR : On XX/XX/XXXX, I received the letter in Attachment C. The letter falsely claims that payment on [ my ] account is overdue to Merchant for {$100.00}.

As described above, I do not owe Merchant. Moreover, the amount Merchant erroneously charged me was {$74.00} ; now Debt Collector falsely claims I owe 140 % more. 

RELIEF REQUESTED : Merchant and Debt Collector need to immediately cease and desist making false claims and representations because I do not owe Merchant anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX Cash advances were taken off of my navy federal credit card and sent via XXXX in the app to someone I do not know. 
This occurred in 2021. I have filed fraud and that claim was denied, I appealed twice and it was also denied stating they could not prove it wasnt me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief