vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
XXXX XXXX - XXXX ; keeps trying to charge me XXXXXXXX XXXX and i have disputed it on XXXX many times as identity theft. Also Webbank/Freshstart keeps trying to charge XXXX XXXX and I have disputed many times as identity theft. As well as hard inquiries on my transunion due to identity theft ; as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . On my XXXX I have derogatory marks which include LVNV FUNDING LLC for XXXX XXXX which is due to identity theft and I have tried to report it many times but does not let me ; also hard inquiries on XXXX I have reported many times and they do not remove them which are : XXXX and also XXXX XXXX XXXX XXXXXXXX All of these are affecting my 3 credit bureaus without my knowledge. Lots of hard inquiries on all of them and delicuent accounts. I am victim of identity theft, during covid in XX/XX/2020 My license, social security card and debit cards and XXXX $ were stolen at a car rental ( XXXX XXXX XXXX ) i also made police report and the police saw on camera where someone with a mask picked up my wallet and left the scene. Ever since then i have been having to deal with the extreme unwavering stressful situations and need help. Also according to XXXX most of these debt collectors if not all, have no license or registration to collect or do business in the State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
They call constantly. This big issue as medical debt, my information is under HIPAA protection. When they call to authenticate, the supply the information such as my name and DOB that they use to authenticate. This means anyone can just say yes and have access to my debt info with them. This is a backwards process that is a potential breach of PHI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
When I tried to put in for a loan my bank informed me that they could not pull up my Equifax report. I don't have a freeze or a lock on my credit file however I did call and question Equifax and they told me that I did have a freeze. I have sent them all the information and still to no avail. I really do need this freeze off of my file so that I may move forward with my bank loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
I looked upon my credit report and discovered these accounts that need to be deleted.

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 2023-11-01 00:00:00
Product: Credit reporting 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:
I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Un-authorized 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 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 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 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Un-authorized 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 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 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 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, which were recently verified despite their inaccurate representation of my credit history. I believe the verification process was not conducted in compliance with the Fair Credit Reporting Act ( FCRA ) and its relevant provisions. 

XXXX XXXXXXXX XXXX XXXX # XXXX Violation : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) The account details provided in the credit report are inaccurate and do not reflect the true history of my payments and credit standing. Furthermore, the reported delinquency does not accurately represent my payment history. 
XXXX XXXX # XXXX Violation : Failure to update or correct inaccurate information under FCRA 611 ( a ) ( 1 ) ( B ) The reported delinquency of 120 days in XX/XX/2023 is not accurate as there were no outstanding dues during that period. Additionally, the account balance and credit limit information do not align with the actual terms of the account. 
I request that you investigate the above accounts in accordance with the FCRA and ensure that all the information on my credit report is accurate and up-to-date. Please provide me with a detailed investigation report and make the necessary corrections to my credit report as required by law. 

Enclosed with this letter are copies of relevant documents supporting my claims, including payment receipts and account statements. 

I appreciate your prompt attention to this matter and expect a response within the statutory period of 30 days as stipulated by the FCRA. 

Sincerely, 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have these Bankruptcies on my credit report. I do not have any idea regarding these Bankruptcies on my credit report. These 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ACCOUNT OPENED FRAUDUANTLY DUE TO DATA BREACHES

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ACCOUNT OPENED FRAUDUANTLY DUE TO DATA BREACHES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
ACCOUNT OPENED FRAUDUANTLY DUE TO DATA BREACHES

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
I looked upon my credit report and discovered these accounts that need to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MS

Complaint narrative:
I have these Bankruptcies on my credit report. I do not have any idea regarding these Bankruptcies on my credit report. These are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I only knew about this debt because of XXXX XXXX. I received no notice and have been trying to contact them for details. I am not sure what account this is regarding, as I have taken care of my hospital visits already. My recent hospital visit was not charged on the grounds of charity. I have already contacted the hospital to confirm that it was in fact absolved. If this isnt a charge from the hospital I am not sure what is it, and have been trying to gain contact to find out where it is from. It has been on my report since XXXX, which also dont make sense, as I have not visited the hospital at all this year. If it is older, I do not know why I havent gotten any information regarding the charge and it being sold to collections. I graduated college in XX/XX/2023, and working on repaying student loans. for this reason I can not afford this expense and need the opportunity to dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report. 

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer. 

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer. 

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter. 

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice. 

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.

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 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
In XXXX, faced with losing our home we asked for a remodification. In XXXX, after tacking on {$40000.00}, they offered a XXXX XXXX XXXX XXXX remodification. This was after I had submitted 13 packages, all coming back missing documents. I have hired 5 attorneys over the years. On XX/XX/XXXX, a Judge ruled that Bank of America had violated the Arkansas Statutory Foreclosure Act, buy selling our home while we were making payments. I have filed several complaints in the beginning, with Bank of America telling me " They did not have to do anything the government tells them to do. '' So, I sued and I ligated " pro-se '' for years. Now, they want me to summit another loan, with the acceleration as if in full force. This is in Volitation of the Act, the Judge ruled, 'as if we had gone to trial. I believe I would have proved they violated the Tarp Agreement and I would not be still after all there years fighting to keep my home I built as the XXXX XXXX 
, along with my father.

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 2023-11-01 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Un-authorized 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 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 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of 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 2023-11-01 00:00:00
Product: Credit reporting 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:
I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of 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 explanation
Consumer complaint received 2023-11-01 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
State: CO

Complaint narrative:
My CD with Marcus by Goldman Sachs matured on XX/XX/XXXX. I requested the account be closed. On XX/XX/XXXX I received email verification that the account was closed. By XX/XX/XXXX I had not received any funds either by wire or by mail and contacted G/S I was placed on hold repeatedly and was told they would call me back rather then me wait on hold. I did not receive a call back. XX/XX/XXXX I called and was told by XXXXXXXX XXXX XXXX  ) it takes 3 days for the money to be wired. XX/XX/XXXX, No fund received by my bank and spoke to XXXX then XXXXXXXX XXXX XXXX XXXX who said the account to which the wire was to was to be sent was a business acct. That is not correct is it a personal savings account. The same account the funds were initially send to G/S. I was then transferred to XXXX and requested a check be mailed. That would take 1 to 10 days. XX/XX/XXXX I received an email from GS requesting I call them back. Spoke with XXXX XXXX XXXX XXXX and XXXX, who needed to send a PIN to verify I was who I said I was. A verification code was sent to me each time I asked for the funds to be transferred or mailed. XX/XX/XXXX I called and spoke with XXXX who said the check was sent out overnight. XXXX I called G/S and was told the check was sent USPS and the tracking number is XXXX. I entered the number in the USPS tracking website and this message appears - '' XXXX doesn't seem to be a USPS tracking number. Please check the number and carrier and try again. '' This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-01 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: AES/PHEAA
State: NJ

Complaint narrative:
I have been paying American Education Services for over 20 years on a {$24000.00} original loan amount. I have paid combined principle. And interest a total of {$48000.00} The servicer says I still owe {$12000.00} doesn't this violate usury laws? 

My loan number is XXXX. I'm XXXX XXXX XXXX and can't take the financial stress this is causing me. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation