vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acoount # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Denefits LLC
State: TX

Complaint narrative:
My information was impacted by the XXXX data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MoneyLion Inc.
State: CA

Complaint narrative:
Money Lion. Keeps reporting to my credit report that I owe them money. I have been trying to remove them off my credit report for years. 

I cant stress this enough I am a victim of identity theft since XXXX. A lot of accounts have been opened with my name and even unemployment has been opened using my name because of an on going case I cant get into details. But unfortunately money Lion cant provide me with signatures or proof about the account as many times as I contact them. I would like to receive them and have them delete their account off 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 explanation
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
I received a notice from " medicredit '' that a " past due '' medical bill of {$70.00} from XXXX XXXX XXXX in XXXX was sent to collection. The issue is that I never received any form of notice or statement or phone call for said medical bill. I have received other medical bills from XXXX XXXX. However, I was never notified that I had an outstanding balance. I am upset that I was never properly billed/ notified and this was escalated to collections, in which, will be harmful to my credit. Upon calling XXXX XXXX for clarification I was told that they were unable to give me an itemized bill or any information on this debt. 

Additionally, I have made other payments via their payment system and I have luckily kept the receipts because the payments have been " lost ''. 

The billing system for XXXX XXXX clearly isn't working but I was wondering what steps should be taken

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

Complaint narrative:
In XXXX of 2023, Experian credit bureau sent me an email stating that a collection account was on my credit report. Once I viewed my credit report, I discovered a business XXXX XXXX credit card that does not belong to me and someone must have opened it under my name and my company name. The XXXX XXXX business credit card is not my account and is fraud. I don't know who could have done this, maybe a former employee I'm not sure. The total amounts charged are {$7000.00} is what appears on 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 explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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

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

USC 1681 section 602 A -States I have the right to privacy.

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

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: FL

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 instruction This account is showing inaccurate information on 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 explanation
Consumer complaint received 2023-06-06 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: MA

Complaint narrative:
Data breach. Extention of credit fraudulently. Meanwhile credit score too low for me to pull it.

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 2023-06-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I noticed 5 transactions on my surge credit card that were not mine. I live in South Carolina and these purchases were made in XXXX New York. I called my credit card provider and disputed the charges. When I got my statement in XXXX the charges had been adjusted. I made my payment on XX/XX/23 that would be due on the XXXX of XXXX. When I got my XXXX Statement the charges had been put back on my card. Since this was fraud they cancelled my old card and sent me a new card and i have not even activated the new card. I called customer service again and asked why these were taken off and then put back on the card. This is NOT a low interest card and it has a XXXX yearly fee!! I am trying to work on my credit and this is a SCAM! The representative said that i needed to talk to the " fraud department '' I asked to speak to a supervisor because i clearly have not traveled to New York and I should not be charged interest on these transactions amounting in {$170.00}. They seemed to not care at all them or the supervisor. They gave me a claim number and a number to call the fraud department. I called them and they didnt even answer. I had to leave a message and they called me back a week later and i was unable to answer bc i was at work as i stated in the message i left them. This is a SCAM!!!!

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 2023-06-06 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 explanation
Consumer complaint received 2023-06-06 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to 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 2023-06-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am refiling this dispute because after I filed it the first time, the credit card company denied my dispute for the exact same reason they initially denied it -- it was denied because the credit card company says that the chip and card were in my possession. 
However, the fact that the chip and card were in my possession does not mean that fraud did not occur. So here is what happened : I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX  XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur but the credit card company ( TD BANK ) keeps denying my dispute for that reason. Did they ever try to find out if this merchant that made the charge is legitimate because it isn't. In fact, I have tried to contact this merchant and THE MERCHANT DOES NOT EXIST! I am dissatisfied with TDs response to my dispute and would like TD to reopen the case and try to contact this merchant because if they do they will see that the merchant does not exist. THIS WAS FRAUD. The fact that the card was in my possession does not mean that the transaction was made by me. Thank you.

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

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to 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 2023-06-06 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am in receipt of a computer-generated letter from your company XXXX XXXX, unsigned, unverified, unvalidated statements alleging some kind of debt. 
It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 
Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between ( ME ) XXXX XXXX and alleged debt. I've ask for this information 3 times and you have not complied. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, it any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, If any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On XXXX, 2023 and on XX/XX/2023 I sent two certified letters to Exeter Finance asking them to validate debt that I have with them. I specifically asked that they provide me with any written or contractual agreement that I have with them regarding debt they say I owe while being in compliance with the Fair Debt Collection Practices. Exeter Finance responded with inaccurate information, they did not provide the requested information to prove and authenticate a debt that I have with them. I further explained in my letter that according to state and federal law as defined in consumer debt practices, I do not owe them a debt and they have yet to validate any debt owed. Based on their meaningless claim, they have my personal information and is using it without my my consent. Such actions, Exeter Finance has reported inaccurate information about me to each credit bureau. These actions defame my character which adds hardships to myself and family. I have attempted to resolve this matter with Exeter Finance and as of XX/XX/2023, they still say I owe a debt to them but they are unable to authenticate any debt or produce any signed contract that I have between their company XXXX Exeter Finance ) and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: DISCOVER BANK
State: TX

Complaint narrative:
It says i have {$1200.00} in credit card debt, so i made a afidavit because i did not apply for any credit cards

Company response to consumer: Closed with explanation