vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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 tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you one lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

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 2023-01-02 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged student loan servicer Navient and customer service was horrible. They are robbing, badgering my credit with no explanation on an erroneous alleged closed 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, LVNV Funding and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( EVIDENCE ATTACHED ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PA

Complaint narrative:
Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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

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 2023-01-02 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:
Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, Equifax and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, Equifax and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 explanation
Consumer complaint received 2023-01-02 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 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 2023-01-02 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
It was brought to my attention after recently applying for an American Express Card that an account was already opened without my permission in my name. I recently fell victim to identity theft over the course of the last year. My mail was being rerouted and due to a data breach from XXXX my phone was overtaken by something called a sim swap causing my number to be stolen for a period of time. XXXX and XXXX have been amazing at working swiftly with clearing the debt from my credit report however XXXX has not removed the fraudulent information and American Express have not closed the account. Attached you will find all documentation revolving the fraudulent information and Im praying both companies get it resolved immediately as they are both now violating my rights as a consumer and breaking federal law by 1 ) holding me accountable for fraudulent debt and 2 ) reporting inaccurate information to my credit. I spoke with XXXX in the fraud department at American Express and was promised that the inaccurate information will be removed promptly so I am now putting this in black and white to hold both companies accountable for their conspicuous actions. I expect this to be resolved within 30 days to avoid further action. A report has been filed with both the federal trade commission and XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am the executor of my mother 's estate. She had a credit card with Truist Bank ( formerly SunTrust ) and I have been trying since XXXX to have the credit balance in the amount of {$210.00} refunded. I have tried calling the numbers on her statement and provided my qualifications papers several times but continually get transferred and passed around or no one can locate the information that i uploaded. 
I have been to my local branch multiple time. The first time a young lady assisted and told me a check would be mailed to my address. I waited over 30 days and nothing arrived! I received notifications of change of address but no overpayment check. I again went to the branch and spoke with another person in XXXX. I had to provide my paperwork all over again. This gentleman contacted the credit department and told me a check would be mailed and I would receive it by XX/XX/XXXX at the latest. I have still not received the check. When I have attempted to contact the branch person again I get not response! He has gone dark on me. This whole experience has been so aggravating and frustrating and I am at a loss as to how to get it resolved other than filing a complaint.

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-01-02 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 2022

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 2023-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Me and the apartment complex I lived in while in college had a disagreement about me having a XXXX XXXX XXXX XXXXold to me by XXXX XXXXXXXX XXXX  department. It was serious enough that they gave them XXXX  days to fix it. Since then I started to be XXXX. The place never kept a XXXX while I was a tenant. Most correspondence was through emails which I still have from XXXX 2018. 
XXXX  XXXX came in when my lease was up and went about things the wrong way of cleaning up the complex. Tried to track on extra fees and charged almost a month after I moved out. I disagreed from the beginning and was threatened with balance bring place in credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, XXXX XXXX and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( XXXX XXXX ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: OH

Complaint narrative:
I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you onXXXX lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

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 2023-01-02 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 tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you one lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Applied for a $ XXXX on line company XXXX XXXX with XXXX XXXX. Stated I was approved. Email Loan Agreement. XXXX XXXX signed and I signed. In order to deposit the money you had to have a online account. Did not have one so I open one. He send {$2000.00} for me to deposit in the account. When I did he said he would send the $ XXXX. When I did this XXXX XXXX wrote XXXX checks signed my name and the bank cash then. The bank signature does not match my signature which the bank have on file on my signature card. They went ahead and cash over $ XXXX of checks against my account. I emailed all the information from XXXX XXXX. I even called the bank to tell them to close my account. When into the bank the same day to have it closed. Yet the bank still paid the checks. Filed a police XXXX. Sign a bank affidavit. Bank even mailed a letter after they had cash the checks stating the checks did not look real. Yet they cash them. I had a direct deposit of {$1200.00} the fraud department took the deposit. I never received any documentation stating what they did with it. They also took {$100.00} from my business account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only reason I was trying to get a loan was because my motor blow up and my roof is leaking on my house. The fraud department at Trusit Bank has every sheet of documentation. Even after I went in the bank they still paid the checks. I never write checks. Been with this bank over XXXX years I do not even own a check.

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 2023-01-02 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: Kikoff Inc.
State: FL

Complaint narrative:
This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit reporting Bureau Experian is Under reporting my score well my report has no debt listed since everything 's been paid off and they have yet to reevaluate my number score and update it it has been the same for over 60 days with major changes happening during that time I feel I am being on accurately reported which is hurting my chances of receiving opportunities

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 2023-01-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Name is XXXX XXXX not XXXX XXXX in which shows 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 non-monetary relief
Consumer complaint received 2023-01-02 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:
Re : Removal of Account per XXXX XXXX XXXX XXXX XXXX  Guidelines For Reporting Sold and Transferred Accounts To Whom It May Concern, Effective XX/XX/2022 : All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing XXXX. 

Experian is currently reporting the account as sold as shown in the attachment ; therefore, the Account Status should have been changed to XXXX and then the account should have been removed from my credit report. The following account is reporting inaccurate ; Account Name : XXXX XXXX Account Number : XXXX The Account Status Field code should have been changed to " XXXX '' and then the account should have been removed 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 explanation
Consumer complaint received 2023-01-02 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: UT

Complaint narrative:
I HAVE REQUESTED THAT XXXX, EQUIFAX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I HAVE REQUESTED THAT EXPERIAN, XXXX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.

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