vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: OH

Complaint narrative:
checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with Possible finance for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my XXXX consumer report. I have never done business with this company. I have never done business with XXXX XXXX. XXXX has a collection on my Equifax consumer report. I have never done business with this company. I have the following fraudulent inquiries on Equifax. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, BANK XXXXXXXX XXXX! This is not good faith Pursuant FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: KS

Complaint narrative:
I have been working on improving my credit for the last couple years after a bankruptcy. I have open accounts that are paid on time and have verified they are reported to all the credit reporting agencies. Experian for the last 2 years shows I have zero accounts and no credit score of course. I have tried calling them to explain something has to be done on their end. They continue to argue no one is reporting information on me. I explain to them Ive verified information is reported and they must have a problem. They have agents that dont speak or understand English very well. They are argumentative and have hung up on me more than once! And it takes forever to get through to one! Please, someone help me with this matter. Thank you, 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 2023-06-13 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Nationstar is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my ring camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. 
A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and nationstars attorney refuse to communicate with me. 

In addition to this, the house has been tied up in divorce court in XXXX XXXX  XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. 

The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. 
I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. 
My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXXXXXX XXXXAccount name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX XXXX I had {$40.00} come off my account t I called chime and filed despite they did Irs it literally less then 24 hrs I asked them to block the merchant. On XX/XX/XXXX I had {$4000.00} come off then 30-40 min later XXXX came off. I emailed and called asking for this merchant to be blocked and when I file dispute on the XXXX my stuff got denied on XXXX at XXXX XXXX. It hasnt even been 24 he invastigation. I dont know why my money missing and no one is doing about nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XX/XX/XXXX th I received a call from caller restricted, and I thought it was the police so I answered it ended up being Midland credit management a debt collection agency. I had XXXX person talking to me about my debt, and then another person who claims she was A XXXX jumped on the call because I was in pre-legal status, and they wanted her on the call because it was serious. She continued to threaten that my credit would be harmed that I would be sued despite my saying that I had a XXXX  XXXX, who was requesting physical proof that I owe this debt before he negotiated, she proceeded to continue to threaten, harass and argue with me and claim that they sent XXXX letters through the USPS that I have not received. She asked me what I wanted them to do because I have not received letters they sent that is not on me that is on the debt collection agency to provide the burden of proof that I owe them this debt. She continued to threaten to sue me for my supplemental security income and my student loans both of which are untouchable cuz I know my rights due to my XXXX  XXXX informing me that those sources are legally untouchable and I told her as much and then she proceeded to start to tell me you know what so I immediately ended the conversation by telling her all future contact will need to go through my XXXX  XXXX and my XXXX  XXXX has said there will be no future contact if they can not provide physical proof I owe this debt which they have failed to do so to date. I am not responsible for the usps failure to deliver their letters if they actually mailed them. It is not on me to provide my own proof of debt when I specifically requested the company provide physical proof I owe this debt at the request of my XXXX XXXX. My old XXXX XXXX also received a call a month ago from midland credit management threatening to sue over debt but they never identified the client they were calling about but she informed all her previous clients she knew may have debt due to pandemic issues. Please investigate midland credit management for harassment, threats of lawsuit, or seizing bank accounts of people who receive supplemental security, income and student loans and threats of credit harm when refusing to provide physical proof to the client, they owed the debt at the request of the clients s XXXX XXXX. I refuse to be bullied by debt collectors trying to take advantage of people with XXXX and not follow laws laid out for debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The card ending in XXXX was charged off after I paid {$370.00} to bring the balance current. It was then reported to the credit bureau that the balance is {$2700.00}. The actual balance is {$2300.00}. The email I received also says that the amount owed is {$2700.00}. The payment history is also inaccurate and does not reflect the payment made on XX/XX/26 for {$370.00} confirmation # XXXX.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: MA

Complaint narrative:
Good morning, I have several accounts that have been in XXXX balance for some time now and they have not been deleted from my credit report y Others that are already closed and are not eliminated. I need you to help me with that, please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
sent letter to validate account company never responded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MA

Complaint narrative:
XXXX is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my XXXX  camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. 
A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and XXXX  attorney refuse to communicate with me. 

In addition to this, the house has been tied up in divorce court in XXXX XXXX  XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXXXXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. 

The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. 
I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. 
My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NY

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 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXX  has continued to resell fraudulent debt dating back to 2017 to various collection companies and continues although the debt is fraud and every debt collector has received all my police reports over and over again. I just received a letter stating debt was sold to resurgent who also has circled back around. I just don't understand how this is allowed. This company really should be fined for violating consumer rights. I get notified daily on my credit and accounts added. Addresses wrong etc. The cycle continues to repeat itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I spoke to 2 managers in which one of them stated to me the former rep never properly marked it as fraud. They said she just closed it and did nothing. Else so he proceeded to properly file the accounts. This is not okay and I should not have to go back n forth with this company about this when I have other accounts also that have been fraudulently opened under my social due to the XXXX and XXXX  date breach my info is on the dark web. All other company have promptly taken action to correction this plaguing problem. But GENESIS is still giving me the rub around. REMOVE ME FROM YOUR SYSTEM and DELETE THESE ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY! You are damaging my livelihood with FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, 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