vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: CA

Complaint narrative:
XXXX XXXX  Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions, You sent me a credit report stating the fraudulent account XXXX XXXX XXXX XXXX has been deleted but on XX/XX/2022 the account was reported again without my consent. therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft and the state attorney of Florida, the XXXX XXXX XXXX XXXX of Florida. ( all documents attached ) Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX This is a notice of default and opportunity to cure for Equifax as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to Equifax including affidavit of truth, Exhibits A ( Pointing out each violation ). in the case you default again, a lawsuit will be commenced against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I contacted the collections company to let them know that the debt is false. I tried to lease a product from XXXX and they sent the product to my old address in another state. I then contacted them to report it and they told me to fill out a claim form. I filled out the claim form and included the correct address so that they could send me the product. They sent the product to the old address again and asked me to fill out another form. I told them I changed my mind and now I did not want the product. They have now sold my account to debt collections for the amount that the product was worth and Ive never received the product. I spoke with Resurgent Capital Services ( debt collecting company ) and told them the issue and they basically stated that there was nothing that I could do and I would have to pay a debt that isnt mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: PA

Complaint narrative:
I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: PA

Complaint narrative:
I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have paid TransUnion a couple times to monitor my credit and send me a report but after trying to get my report sent to me and not being able to confirm one of the questions about a credit card the agency refused to speak to me further. 
I also called to get an answer about why there was credit cards offers being sent to me. When I had a lock on my credit so I thought since XXXX and the agency didn't have any information on it but had a report made in XXXX when I made one myself in XXXX of XXXX and again after my mom died in XX/XX/XXXX because I knew family or so called associates would take everything I owned and so far I've not been proven wrong. My mother had a life insurance policy that was meant for me. And because she passed without a will I got financially abused. People used me for their own gain I suppose.

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 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I requested that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Express Collections, Inc.
State: SD

Complaint narrative:
I received a letter in the mail about an old debt and reached out to the company Express Collections to try and make payment arrangements and was told if I didnt pay a certain amount I would be sued and that whatever payments I made wouldnt matter if they werent the amount they wanted. Ive been receiving multiple harassing phone calls on my personal phone as well as at work. I dont have a lot of money and tried to explain this to them and offered as much as I could but it wasnt enough for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a capital one customer. I opened my account online and wasnt aware that I cant use any other bank to deposit cash in my capital one Account. I searched my app and it didnt said anything about deposit or withdraw instead gave me nearby atms I could use. I assumed that I could use it to deposit too. I used associated bank atm to deposit cash. The atm rejected my transaction and started dispensing my money in few bills at a time. I wasnt able to pick all the bills and atm took it back. Since I dont bank with associated bank I could file a complaint with them. I called my bank capital one several times since last year XXXX when it happened that how can they help me but they refused to help me in anyway. Finally associated bank reached me and told me capital one needs to request credit adjustment on my behalf to associated bank so they can reimburse my money. Capital one over and over again refused to help me and didnt provide me any solution except they dont do this procedure. Most of the customer representatives including the manager have been extremely rude to me and refused to help me for anything as its not their ATM and its not their problem. Associated bank wanted to give me my money back but my own bank is not helping me in anyway to get my money back. I request capital one to please send associated bank an adjustment request on my behalf so I can get my money back please but looks like they dont care about their clients

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: OH

Complaint narrative:
I filed a complaint my with Equifax and they closed it without addressing the issue- that they were reporting without written authorization. Im refilling this complaint XXXX and enclosing screenshots of the original complaint and answer given that doesnt address the core concern. 


Please remove these accounts at one complaint These accounts are reporting and have reported without my authorization. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Accounts above with XXXX, 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 a account without my written instructions. Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
I went to the branch in person and closed all my accounts : checking, savings, line of credit in XX/XX/XXXX. In XX/XX/XXXX I received notice from a debt collector that I owed Truist Bank. That was not the bank I used at the time but has since bought out/merged with BBT. I called and found that my account hadn't been closed and that they were charging overdraft fees the whole time. I never received any notice of this until the debt collection letter. Despite having closed the account I paid all the fees and closed the account again. I submitted a dispute on the ding to my credit score which Truist denied. Yesterday I received notice that the account once again had a negative balance and was apparently still not closed. This caused yet another ding to my credit score. I once again spent multiple hours on the phone trying to get this fixed and once again paid the fees to close the account. I have zero faith that they will actually close the account. I would like the marks removed from my credit score and the funds returned to me for my mistake, but at this point I would settle for them actually doing what they told me they would do 3 times and close my account.

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 monetary relief
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.

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 2022-04-12 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:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: GA

Complaint narrative:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Fortiva credit card has issued excessive fees on my credit card. My due date is the XXXX of the month, XXXX, XXXX, I paid the bill the XXXX .TWO DAYS late because I was ill with covid. I called the company and the representative stated they would waive the late fee. HE DID NOT!! Not only was it not removed, from XXXX to XXXX, I am being assessed $ XXXX, As of XXXX, the minimum payment due is {$240.00}, which I can not afford to pay., I had previously paid over the minimum amount due which ranged from $ XXXX. I always paid $ XXXX which WAS over the minimum payment I NEVER missed a monthliy payment. .However, this company does not appreciate the consistent paying consumer. Does not hold true to their word ( waive the late fee ) and fleecing the consumer with continual, excessive late fees. As of today, XX/XX/XXXX, I closed the account, however, was told these late fees will continue. {$46.00}, month which will soon equal the total amount due XXXX,, I have until XX/XX/XXXX to pay the {$240.00}, for XXXX, which will continue to accrue. Presently, theyre, asking 45 % of the total balance {$550.00}. Please help me. This is totally ujust. On XX/XX/XXXX, I faxed XXXX. documents with the statements along with my complaint, I have received no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
XXXX XXXX XXXX keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports

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 2022-04-12 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:
I XXXX XXXX XXXX herby state the following : In accordance with the Fair Credit Reporting act XXXX  Account ( s ) XXXX  # XXXX ; and XXXX XXXX # XXXX, 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 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 2022-04-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX Bank PNC Account : Smart Access I have noticed that my account is constantly being overcharged. I have noticed that my account is being charged more than once. I also have been informed that they dont have an account that it is on file. This is 100 % incorrect. I do not know why they are saying this. Can you please contact me as soon as possible. I have contacted the police department about these issues. The Case number that I reported today is XXXX. I look forward to hearing back from you XXXX to resolve these banking issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus XXXX XXXX and Experian in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.

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