vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: SC

Complaint narrative:
I've disputes the incorrect personal information on my credit profile number of times, still hasn't been removed. please help. address/ names

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: SC

Complaint narrative:
I've disputes the incorrect personal information on my credit profile number of times, still hasn't been removed. please help. address/ names

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 2023-07-12 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding LVNV FUNDING LLC 's placement of a collection on my XXXX and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from LVNV FUNDING LLC. 

Upon reviewing my XXXX and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by LVNV FUNDING LLC. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from LVNV FUNDING LLC regarding this alleged debt. I have no knowledge of any business or financial transactions with LVNV FUNDING LLC. 

Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of LVNV FUNDING LLC, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by LVNV FUNDING LLC on my XXXX and XXXX credit reports. 
Determine whether LVNV FUNDING LLC has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 
Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. 
Ensure that LVNV FUNDING LLC ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 
I have enclosed copies of my XXXX and XXXX XXXX reports reflecting the reported collection account from LVNV FUNDING LLC. Additionally, any supporting documentation regarding my attempts to contact LVNV FUNDING LLC or request validation of the alleged debt is also included for your reference. 

I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. 

I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXXXXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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:
this matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.

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 2023-07-12 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:
this matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened a direct deposit account with Bank of America in XXXX XXXX TX around 2003. I have had that same account until a few years ago when with no explanation it became an XXXX account. I had been repeatedly double charged in overdrafts when my account was Bank of America from the beginning until the end. I am a single mom and sometimes all I could do was break even at the end of the month. The extra overdraft charges ruined my familys life completely. Ever since the account has been XXXX that hasnt been a problem and financially I am in a completely different place. I have my Bank of America account number still and paperwork to show when my account became an XXXX account. I also still have most of my bank statements from Bank of America.

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 2023-07-12 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: Colony Brands, Inc.
State: FL

Complaint narrative:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one pre paid credit card XXXX XXXX XXXX XXXX XXXX Open the account XXXX Closed the account XXXX Pre paid {$200.00}. I paid that amount.I spent {$150.00} Balance owe {$370.00} My Question is How and why Capital One pre paid credit card think that I owe them a balance when I put money on the pre paid card to help out my credit.Capital one all they did is destroy my credit.I have close the account. Capital One is still on my credit report XXXX Capital One made my credit XXXX worst.I know I'm not the only XXXX they have done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/XXXX I was a victim of a scammer who lied about their identity and tricked me into sending money to them. I have since found out that I was a victim of a scammer. One scammer stole {$5900.00} or thereabouts and then I went to who I thought was the real person and the other scammer took over {$320.00} from my bank account through XXXX and convinced me to get gift cards because I stupidly believed they were who they said they were! I reported it to the police when I found out that they proceeded to steal XXXX XXXX in two separate unauthorized withdrawals by wire from my account. I contacted the Fraud department at Bank of America and the local police department in XXXX XXXX XXXX. I gave them the proof of the scam and all the contact info. NOTHING has been done on most of it to my knowledge-no information was found. The debit fraud was closed and deemed NOT fraud just this morning ( why I called for a med increase as my anxiety shot through the roof )!!!! I signed affidavits in the beginning. Now that money ( {$320.00} approx ) is back as a negative in that account at Bank of America. Regarding the XXXX XXXXXXXX from the wire fraud-I found out that the person ( XXXX XXXX XXXX XXXX XXXX XXXX has closed his account and ran off with the money. My money was taken from me through lies and deceit leaving me literally penniless and my mental health suffered dramatically! I was on suicide watch and I just had my medication increased this morning. Please help me ; for I see a world where thieves and scammers are getting away with this as my family and those I care for are suffering! I put my house on the market because it ruined me and I can't bounce back. I have also been the victim of incredible damage to my home from XXXX XXXX. Please help 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 monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX/NCAC reported on behalf of XXXX a debt of XXXX which was paid in full and still showing up on my credit report. It was disputed with XXXX and has been removed from my wifes credit report but not mine. This debt was incurred due to co-signing for a rental property for my daughter XXXX with XXXX. The house was left cleaner than it was originally, the security deposit was kept by XXXX and they charged us XXXX which was paid in full. I have a security clearance with my employer and need this removed immediately. 

Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: NJ

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-12 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: LA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-12 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: Block, Inc.
State: NJ

Complaint narrative:
I had some suspicious charges on my bank card so my bank contacted me. I told them that I had not made any charges that day then they proceeded to tell me it was from and escort/ dating service. I don't use such sites. So then the card was canceled and a new one is being sent out to me, in the meantime I had an {$800.00} withdrawal from cash app with my already canceled card, and even the bank let it go through, on a card that should no more exist. They return the {$200.00} in cash app that was supposed to go through

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: AR

Complaint narrative:
Three different times credit karma. 
would send me a pre-approval guaranteed from discover for 5 % personal loan, once I applied for the personal loan and was approved, it was never 5 % it was usually anywhere from 15 % to 20 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: PA

Complaint narrative:
I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2023 we called Citizens Bank customer service to pay off BUT NOT CLOSE our Home Equity Loan. Customer Service told us to pay {$8200.00} so we did. She explained ( on a recorded call ) that when we CLOSE the account, we will pay the PAYOFF AMOUNT On XX/XX/XXXX we received a FORECLOSURE LETTER from Citizens Bank for being over 30 days past due on a {$34.00} payment. 
On XX/XX/XXXX Citizens issued a credit payment delinquency statement to all three credit agencies saying we were delinquent on a Mortgage Payment and each of our credit ratings dropped XXXX points and will not recover ( per XXXX ) for XXXX years. 
WE ARE ASKING SPECIFICALLY THAT CITIZENS WITHDRAW THE PAYMENT DELINQUENCY STATEMENT REPORTING THE LATE PAYMENT OR CHANGE THE WORDING SO IT STATES THAT WE WERE FOLLOWING THE INSTRUCTIONS GIVEN BY CITIZENS BANK.. WE WERE UNAWARE THAT WE OWED ADDITIONAL MONEY BECAUSE OUR BALANCE SHOWED {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I had an On Line Savings account and a CD account with Marcus by Goldman Sachs. I decided to close these accounts in XX/XX/XXXX. There was no response from Goldman Sachs. After much effort and many pointless long phone calls, Marcus by Goldman Sachs eventually closed these accounts and sent me checks to cover my full refund in XX/XX/XXXX These checks were sent to XXXX XXXX XXXX XXXX who refused to clear these them and returned them. XXXX XXXX XXXX XXXX, did not clear the checks due a MISMATCH between the FRACTIONAL NUMBER and the ROUTING NUMBER on BOTH checks. I sent all details for the non clearance of the checks including a notarised affidavit to Goldman Sachs and requested they issue new and good checks. I have followed up by many phone calls but to date I have not received replacement checks. I seem to get nowhere beyond 1st base and speak to an agent who has no responsibility other than to say, Ive reported the situation to a specialist who will respond in 5-8 working days. I seek and am grateful for any advice and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Currently i have been monitoring my credit and recently found there were 2 credit card accounts where someone has apparently opened them in my name from California, and it was not me. One account is showing as Capitol One ( I HAVE NO CAPITOL ONE ACCT ), the second account is showing as XXXX XXXX XXXX ( I HAVE NO XXXX XXXX XXXX Acct ). I have absolutely NO knowledge of these accounts and i have verified with each of these entities that each of these accounts were not mine nor do i have any knowledge of them what-so-ever. 

I have also provided verification that to each entity the account is NOT mine and they are reporting inaccurately! As of this date they are STILL SHOWING on all 3 credit bureaus as delinquent accounts! 

Please help me get these fraud accounts off all three credit reporting bureaus!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not XXXX. I deny the debt and the entries on my credit report. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided. 

XXXX. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies. 

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : XXXX. In response to a court order or federal grand jury subpoena. 
XXXX. For legitimate business needs related to a credit transaction. 
XXXX. For employment purposes, such as when an employer wants to conduct a background check on a potential employee. 
XXXX. For insurance underwriting or determining eligibility for insurance coverage. 
XXXX. To assess a consumer 's eligibility for a government license or benefit. 
XXXX. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment. 
XXXX. To review a consumer 's account for account monitoring or account review purposes. 

I have requested documentation from XXXX on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through Experian that they are the entity reporting the bankruptcies.

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