vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention the presence of a fraudulenXXXX XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
I opened a checking account, a savings account and a certification on XX/XX/2023 using the promo code XXXX. According to the term, i should receive {$100.00} for each account i've opened so in total i should receive a {$300.00} bonus by XX/XX/XXXX. However, until the due payout date ( XX/XX/XXXX ), I have not received the bonus. Please help me get the bonus i should have gotten. 

Terms : Open a savings account by XX/XX/2023 plus have a minimum {$1000.00} savings average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a checking account by XX/XX/2023 plus have a minimum {$100.00} checking average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a certificate by XX/XX/2023 plus maintain a minimum {$1000.00} certificate balance on XX/XX/2023 to earn a {$100.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I sent a check for payoff for two separate accounts to Capital One. It was applied on XX/XX/XXXX to one single account, leaving a balance on one card and a huge credit on the other. I called XX/XX/XXXX to have that corrected. I was told the only way to have that done was for them to issue a paper check. It would be 7-10 business days before I received that check. XX/XX/XXXX, I called again, having not received a check and still showing a credit on my account. I was told that refund check had not been issued, but they would process this time. I could expect it in another 7-10 business days. Today, XX/XX/XXXX, I called again. Check still hasn't been processed and they aren't sure why. So now, assuming they actually cut a check, it will be 5 1/2 weeks that they've had my money. It is affecting my credit score having that balance out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: IL

Complaint narrative:
This is in response to the complaint that I have filed with your company as well as my previous disputes with all 3 credit bureaus. These issues have not been resolved per my satisfaction no per the any FCRA requirements and this will be my last request before I file a lawsuit agains you as well as these reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), 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 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I got an email from Chase saying they are reviewing my application about the Chase Freedom Unlimited. I tried calling Chase and they are asking about debit or credit card number, which I do not have at all. I already have my credit frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 2023-06-15 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
I am being ignore after attempts to have inaccurate information removed from my credit report. I have provided Experian with clear evidence and facts of this inaccuracy.

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 2023-06-15 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:
XXXX XXXXXXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX BILLINGS, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} Past Due {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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:
XXXX XXXXXXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX BILLINGS, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} Past Due {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency

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 2023-06-15 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I received a letter from CCS CREDIT COLLECTIONS in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from CCS credit collections I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called CCS Credit Collections and settled the unpaid balance immediately, with the agreement and understanding that CCS Credit Collections would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that CCS credit collections had reported to XXXX, XXXX, and XXXX, a collections account that had a {$0.00} balance I used XXXX, XXXX, and XXXXXXXX XXXX Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the XXXX and XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
On XXXX XXXX, 2023, an account representative from Resurgence Legal Group , PC, sent me an email with court documents that were for another customer of theirs. When I inquired about this email and document I was told to disregard and delete said email. Personal information regarding this other persons debt was released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OH

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: OH

Complaint narrative:
I have made numerous attempts through phone and certified mail to resolve with the bureau. I have sent in multiple times proof of identity and residence. I have submitted this information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There are multiple detrimental fraudulent inaccuracies STILL reporting on my credit file. I have informed the bureau of myself being a victim of identity theft. I have requested original proof of verification as there is none to give me. The bureau has neither brought forth proof as inquires and the listed fraudulent accounts as belonging to me or being authorized by me yet they have failed to remove them from reporting on my personal file. Inquires include : XXXXXXXX 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 does not belong to me, XXXX does not belong to me XXXX XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OH

Complaint narrative:
I have made numerous attempts through phone and certified mail to resolve with the bureau. I have sent in multiple times proof of identity and residence. I have submitted this information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There are multiple detrimental fraudulent inaccuracies STILL reporting on my credit file. I have informed the bureau of myself being a victim of identity theft. I have requested original proof of verification as there is none to give me. The bureau has neither brought forth proof as inquires and the listed fraudulent accounts as belonging to me or being authorized by me yet they have failed to remove them from reporting on my personal file. Inquires include : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX 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 does not belong to me, XXXX does not belong to me XXXX XXXX does not belong to me

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 2023-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????

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