vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I started receiving phone calls all day long, hangs up, recorded messages, various threats messages recorded, after I opted out through text. I received message of debt as a charge off, originally. Attempted to dispute debt on credit bureau website. No account with company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX XXXX XXXX refuses to allow customer equal credit account of XXXXXXXX XXXX  and correspondence to customer contains XXXX XXXXXXXX XXXX infringed banking notice data in sabotage to customer by thing XXXX of XXXX XXXX than XXXX spells the characteXXXX XXXX  ' of keyboard and XXXX currency is XXXX toward english legal name that's equal to XXXX XXXX XXXX 
XX/XX/scrub>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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MA

Complaint narrative:
Dear Hunter Warfield Inc ; Sir/Madam, These alleged debt of {$10000.00} that i'm not aware of. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Complaint ID XXXX ( XXXX ) is and has been open since XX/XX/XXXX. They must honor all my requests in that matter. 

These are what the abbreviations stand for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; EQ = Equifax ; XXXX XXXX XXXX XXXX XXXXXXXX The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; EQ : DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( XXXX  and XXXX  allowed XXXX  to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; EQ failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : XXXX  : {$640.00} ; XXXX  : {$640.00} ; EQ : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : XXXX : XX/XX/XXXX ; XXXX  : XX/XX/XXXX ; EQ : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Complaint ID XXXX ( Experian ) is and has been open since XX/XX/XXXX. They must honor all my requests in that matter. 

These are what the abbreviations stand for : XXXX XXXX XXXX XXXX EX = Experian ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX  : XX/XX/XXXX ; EX : XXXX XXXX ; XXXX  : DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( XXXX  and EX allowed XXXX  to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; XXXX failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : XXXX  : {$640.00} ; EX : {$640.00} ; XXXX  : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : XXXX : XX/XX/XXXX ; EX : XX/XX/XXXX ; XXXX  : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Someone stole my credit card information. Over a three day period, they made close to a dozen charges and tried to make a payment from a new checking account. I filled out the affidavit and completed all the information that they emailed me. I sent all of the information that they requested. They shut my card off and issued a new card. I have been trying to call, daily, to see what charges have been reversed. I keep getting different answers. Now, I am unable to login to check my balance online or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX The following inquiry was not authorized and should not be reporting.

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 2024-11-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-17 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:
This is not my account, my personal information was breached and I was a victim of ID theft. 

I reached out to XXXXXXXX XXXX and they investigated the situation and informed me that that account was fraudulent and provided me with a letter informing that they were deleting this account from my credit profile. Please see attached document. 


XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-11-17 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward XXXX XXXXXXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by XXXX XXXX XXXX  mortgage scam artist fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX and he used on over 30 loans fake titles with two fake XXXX degrees 1XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX doctor in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash two XXXX  escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on title. XXXX department of Treasury XXXX. To confirm my ownership please review XXXX and 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 2024-11-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward XXXX XXXXXXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by XXXX XXXXXXXX XXXX  mortgage scam artist fake XXXX XXXXXXXX XXXX fake SSN numbers XXXX and XXXX and he used on over 30 loans fake titles with two fake XXXX degrees 1XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX  in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash two XXXX escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on title. XXXX  department of Treasury XXXX. To confirm my ownership please review XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward XXXX XXXXXXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by XXXX XXXX XXXX  mortgage scam XXXX fake XXXX XXXXXXXX XXXX fake SSN numbers XXXX and XXXX and he used on over 30 loans fake titles with two fake XXXX degrees 1. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX  in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash two XXXX escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on titleXXXX XXXX  department of Treasury XXXX. To confirm my ownership please review XXXX and 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 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
The bank I sent the money through said they were unable to refund my even though the XXXX was offered through their application on my phone.

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 2024-11-17 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:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : LVNV FUNDING LLC Account Number : XXXX Reason : I don't recognize this account Account Name : LVNV FUNDING LLC Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX. Earlier this year my mom had opened up a new account with citi bank. I endorsed my XXXX tax refund to my mom so she could deposit and cash my check because i was unable to open a bank account around this time in my life due to extenuating circumstances. We were not aware nor were we warned or given a chance to remedy this situation before her account was closed due to " fraud '' as stated by the banks customer service. We immediately went to the bank and explained our situation and requested some way to have this handled. We where sent around in circles first by citi banks customer service and fraud department telling us to initiate a payment trace with the XXXX. We waited the XXXX or 90 days for the XXXX. to finish the investigation only to be told that they could not send a replacement check because I had signed the check and that the XXXX. had not received the check back from Citi bank so their hands are tied. They started that we needed too go to the bank and request they send the check back and give me the address they would send the check to. I attempted this exactly as described and explained to me only to be told by the rep that my check is indeed still sitting in my mom 's closed account and they couldn't help me that I needed to contact the irs again and request a payment trace again. We are at the end of our patience and are seeking any assistance in having this situation handled as quickly as possible. My mom 's information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief