vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: NV

Complaint narrative:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I began a consulting business and enrolled with XXXX to invoice clients. " WePay through JP Morgan '' is integrated with XXXX to transfer payment directly to my business account. 
On XXXX, I submitted my first invoice for hours worked XXXX, this invoice was paid on XXXX in the amount of {$1600.00}. 
On XXXX I received an email from WePay saying that my account had been closed due to being " High Risk '' and they can not process my payments through their site. I followed their dispute process to appeal the decision and received an email saying Currently the account has a balance of {$1600.00} which will be held for a period of 120 days to cover any potential chargebacks. ( {$49.00} fee to XXXX for processing even though it didn't work )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023, I mailed a letter to stop billing and membership from Experian credit reporting services. 
XX/XX/2023 Experian debted my XXXX XXXX card. 
On XX/XX/XXXX, I called and spoke to a representative of Experian. My membership was canceled and I was issued a refund. The refund was said to come in 5 days it has been 7 days since the refund was said to be issued. 

I currently have a civil suit in progress against Experian for the neglect of my personal information that caused. 
CFPB Complaint : XXXX, XXXX XXXX has also been involved in the above-mentioned complaints.

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 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
Edfinancial services " lost '' my XXXX payment during their internal platform transfer. After providing documentation they finally credited my account with the payment. When the account was credited the applied the entire payment to 3 of my 8 loans. This not only caused me to retain a delinquent balance but they also applied the payment to 3 accounts with lower interest rates. When interest resumes in 4 weeks this will cause me to pay higher amounts of interest them as compared to if the payment had been structured correctly. They refuse to escalate my call beyond customer service, will not give me a timeline for this to be corrected, and have stated that receiving a audit/paper trail will take minimum 33 business days. In addition, they will not correct my account to non delinquent meaning that I have to reallocate upcoming payments to fix this, which if they someday process the request to correctly allocate the original loan will cause even more headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Auto Finance has participated in several predatory lending practices in order to gain more capital from consumers. During the XXXX XXXX I was only allowed a certain amount of COVID payment relief options despite having full documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time one of my payments bounced back on the online portal, where my entire online account was completely disabled. I was signed up for paperless billing and was blocked from accessing my online account to view payments, history, ect. During the pandemic period, I had my car repossessed two times. Despite speaking with capital one and explaining my situation, I was offered little help and my car was taken twice. Each time the car is repossessed capital one adds fees upwards of {$400.00} in addition to late payment fees and the original account balance. During XX/XX/2022, I challenged capital one about my repossession they just did and their unlawful practices. I somehow ended up on the phone with the president of the entire company. Upon stating their inability to help me and failure to allow me to access my online account in any form, my online account access was magically restored. Since that repossession I have purposefully made payments late to see how this notification process has changed. The process has changed completely. Capital one did the bare minimum during COVID for customers that were directly affected by the pandemic and put us in financial binds with repossession and late fees.. Also since my current repossession the office of the president has called me XXXX different times, with XXXX of the times the phone conviently disconnecting. The lady has called me back each time apologizing and stating that she is unable to call me back after it happens even though my phone is on and have service. They were purposely hanging up on me after receiving the bits of info they wanted because I threatened a lawsuit. I have to print out all of my phone records to show communication between the company and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: GA

Complaint narrative:
See attached FTC Report and identification. Delete all accounts and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: GA

Complaint narrative:
See attached FTC Report and identification. Delete all accounts and addresses that do 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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-07 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I XXXX XXXX spoke with Conns customer service representative and XXXX XXXX was the manager on duty at the time. That help assist me with doing a settlement. I paid the settlement amount in full on XX/XX/2023. And I was told it would be removed from my credit report. As of today, XX/XX/2023 I have been checking my credit reports daily, and the information has not been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: PA

Complaint narrative:
I filled a dispute with EXPERIAN because there are 2 fraudulent accounts on my credit report they are both from the same lender XXXX one was in XXXX, XXXX  the other XXXX, XXXX  EXPERIAN said they an investigation and found that these were my accounts which is not true so I did my own investigation and called XXXX at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge EXPERIAN to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID

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 2023-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
On XXXX 2022 an account was opened with XXXX XXXX Bank in the amount of {$2400.00} and was sold to LVNV FUNDING LCC collection agency. I have NO knowledge of this account, which was opened fraudulently. My dispute came back negative, with no means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX ) reported a late/ missed payment to Transunion and XXXX XXXX the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.

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 2023-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX  ) reported a late/ missed payment to XXXX and Equifax in the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
We rented a home from XXXX XXXX XXXX which we did a signed contract then renewed with XXXX XXXX and it went into default for {$1500.00} in XXXX of XXXX and we moved out. 7 Years later we now see Fair Collections for Invitation Homes ( which we never signed a contract with ) on our credit report for over {$2600.00} for this same address in default for XX/XX/XXXX which is ALL INACCURATE and should be removed completely. We are trying to get a bigger home for our terminally ill parent to live with us and this is causing so much strain to complete thjs process. We have contacted XXXXXXXX XXXX directly and they have responded stating their accounting department says we have to go through Fair Collections which has been very unsuccessful to say the least. They too agree the dates are not correct.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023, I got three emails saying my XXXX XXXX XXXX online account was changed by someone else. I couldn't log in and went to the bank the next day to reset my credentials, but they were stolen again. After another reset, I downloaded XXXX and found malicious credit accounts in my name. XXXX showed more unauthorized accounts. I think my SSN and ID were taken. My XXXX was hacked, losing {$300.00} to scammers. They kept making unauthorized transactions. I deactivated my XXXX XXXX XXXX cards. 
I reported it to Identifytheft.gov and the report record is attached here.

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Express Collections, Inc.
State: TX

Complaint narrative:
the orginally debt was with smales sales and lease started XX/XX/XXXX for total XXXX smale sales and lease removed the negative enrty from my XXXX credt report on XX/XX/XXXX. 
on sunday XXXX express collection was added to my XXXX  credit report with the incorrect balance, incorrect balance date, inccrect orignal balance incorrect date opened and incorrect payment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an 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 2023-08-07 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information 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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TRANSUNION XXXX : XXXX XXXX XXXX  XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/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 2023-08-07 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: IL

Complaint narrative:
TransUnion Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.

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