vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: LA

Complaint narrative:
In accordance with the fair reporting credit act. The list of accounts has violated my federal consumer protection right to privacy and confidentiality under 15 usc 1681 Account name XXXX XXXX XXXX Account name. XXXX XXXX XXXX Account name XXXX XXXX asso 1614 Has violated my rights 15 usc 1681 section 602 states I have right to privacy.

15 usc 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish can account without my written instruction.

15 usc a ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than the records of convections of crime which antedates the report by more than 7 years 15 usc 1681-s2 a person shall not furnish my information relating 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 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
Ive never had dealings with Kik off lending and Ive already stated this but Im not getting help with the case I just keep getting told because of my email This account is verified I could easily hide my email and make another one I know people who work in cybersecurity i XXXX XXXX its not hard to use someone elses email even with them having it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that MIDLAND CREDIT MANAGEMENTXXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: UT

Complaint narrative:
I bank with Chime and I live in XXXX XXXX XXXX Utah. On XX/XX/XXXX there were XXXX ATM withdrawals at a XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX at XXXX p.m. for {$300.00} and another at XXXX p.m. for {$350.00} I noticed this immediately contacted chime who said they couldn't do anything until it was out of pending except cancel my card. When it was out of pending I asked them to please look into this they said they would and this was on a Sunday that same Sunday they said case closed we didn't find any fraud. I filed a police report with the XXXX XXXX XXXX Police in Florida Chime never requested to see the report, they claim that it's not fraud because I said I had my ATM card and that my PIN number was memorized. I have no idea why this seems to be a reoccurring thing with Chime and I know that {$650.00} isn't a lot to them but it's a lot to me, this practically ruined me I sent them screenshots of where these withdrawals took place according to their app. I can't believe how they absolutely refuse to refund any of my money and do a thorough investigation. I filed the police report so that XXXX XXXX XXXXXXXX can pull that footage at Chimes request, however chime will not make the request. I wish they would because then they would see it wasn't me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-09-22 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT

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 2022-09-22 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:
XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: GA

Complaint narrative:
I, XXXX XXXX, went to pay my program fees and when the XXXX ran my card it was declined due to being 'locked ' by Skylight XXXX XXXX ) I therefore contacted the company to find out that more money is missing from my card. They then reinstated me a new one. Money is missing from the account. I need help resolving this issue.

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 2022-09-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am receiving phone calls every 20 minutes all day long every single day. It doesnt matter what time time or day is. They are calling me. Ive made a payment to my account. I am being harassed and it is annoying. Leave me alone!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that MIDLAND CREDIT MANAGEMENTXXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  Amount : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. 



Sincerely,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have sent my documentation related to the compliance of capital one bank and they have also cleared the verification process. 
Yet, the problem have not been resolved & my account is still restricted. 
It's been over 20 days. 

This is not the service they should give to their clients & I think they are abusing the power not giving any rational reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent is a third-party debt collector that without permission provided information to the credit reporting agencies This company also made a false representation of the character status and legal status of this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am the duly and legally appointed Executor and Personal Representative of my late father 's estate. He died in XXXX and even prior to his passing, his surviving spouse ( not my mother ) and her children stole all loan documents and evidence belonging to him, even if the spouse had an equal right. As a result, after his passing, I served a subpoena on the lender ( or servicer, not sure who they are ) to get all loan documents from inception of the loan in XXXX to the present. 

The Lender ( or servicer ), " Nationstar Mortgage dba Champion Mortgage '', failed and refused to ever turn over any loan balance, statements, etc., whatsoever, even after I contacted HUD about them. Their arrogance is beyond belief. To this day, they fail and refuse to do so, hired lawyers to block my father 's probate administration in collusion with a lawyer working for the surviving spouse, and as Executor and thus legal owner of the property I still do not know the true owner or the alleged amount of indebtedness on the property. It is located in XXXX XXXX and the estimated current worth of the property is $ XXXX. This is causing serious harm and damage to the estate, because this loan should have been accelerated, by its own terms, when my father died and the property should have been sold. This lender ( or servicer ) breached its own contract and has allowed the surviving spouse to remain there, continuing to run up reverse mortgage fees for over six years, without ever providing us with any loan information whatsoever. As Executor, I filed a partition action in XXXX and they fought me in court, all to keep running up costs on the property and harm the Estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX 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 2022-09-22 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: CO

Complaint narrative:
On XX/XX/XXXX I contacted Experian about a fraud credit inquiry made by XXXX. 
They disputed and removed the fraud inquiry. I noticed the company placed an account on my credit and I disputed with Experian a FTC report # XXXX. The account was removed and blocked. I was told by the fraud department the documents submitted would be sent to the data furnisher. 
Shortly after being removed I noticed the account was placed back on my credit. I was not given notice in writing by Experian per FCRA. I contacted them at once and was told the data furnisher disagreed and asked the account to be reinstated. 
I was told the data furnisher DID NOT provide any documents other than a VERBAL response. 
I sent another FTC report XXXX to Experian on XX/XX/XXXX. 

I sent a letter on XX/XX/XXXX to the data furnisher and Experian asking for debt validation/verification. 
As of XX/XX/XXXX NOTHING has been given to me by either party. 

Experian does not follow FCRA guidelines for reporting debts or verifying disputes I placed and dispute with Experian for XXXX XXXX  as well that shows closed on my credit and {$950.00} balance. This account was removed and placed back on my credit without giving me proper notice. 

I have provided Experian with police reports and FTC reports for accounts XXXX XXXX XXXX  XXXX BOTH WERE SENT ON SAME POLICE REPORT AND FTC REPORTS. 


Experian was asked in writing and verbally to provide the following since they said the accounts were verified 1 PLEASE PROVIDE NAMES OF PERSONS AND TELEPHONES AND ADDRESS OF WHO VERIFIED THE ACCOUNTS. BOTH XXXX XXXX AND XXXX  XXXX 2 I ASKED FOR THE METHODS AND PROCEDURES USED TO VERIFY THE ACCOUNTS 3 IM REQUESTING ALL DOCUMENTS USED TO VERIFY THE ACCOUNTS I AM EXERCISING MY RIGHTS UNDER THE FCRA 611. I WAS NOT NOTIFIED OF THESE ACCOUNTS BEING REINSTERED TO MY CREDIT FILE WAS NOT TOLD I CAN ADD A STATEMENT. I AM SENDING THIS AND ASKING FOR THIS TO BE INVESTIGATED PROPERLY AND THROUGHLY I AM ASKING FOR A TIMELY RESPONSE OUTLINING THE STEPS THAT WILL OCCUR TO RESOLVE THIS MATTER. IF I DONT NOT GET A REPLY IN I WILL HAVE NO CHOICE BUT TO EXERCISE MY RIGHTS UNDER THE FCRA SECTION 616 THESE TWO ACCOUNTS XXXX AND XXXX  XXXX ARE FRAUD. EXPERIAN WAS NOTIFIED OF THAT AND PROVIDED PROOF OF ADDRESS, FTC REPORTS AND ID, POLICE REPORTS. 

THE DATA FURNISHERS PROVIDED NOTHING AS OF XX/XX/XXXX OTHER THAN A VERBAL DISAGREMENT AND VERBAL DOESNT STAND UP AGAINST DOCUMENTION OF FRAUD. 

I NEVER APPLIED OR BENEFITED FROM THESE ACCOUNTS

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 2022-09-22 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: WV

Complaint narrative:
I disputed a Bankruptcy report on my credit file with Experian, XXXX and XXXX due to the fact that the file is 7 years old and should be removed. It was filed in XX/XX/2015 and fully discharged in XX/XX/2015. 

Experian did not remove the file because they stated the information was accurate. 
It is accurate but it is 7 years old and should fall off now. 

XXXX and XXXX immediately removed the file.

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 2022-09-22 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I never had an account with this company. This company need to provide a contract that I have with them. 
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

Company response to consumer: Closed with explanation