vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-25 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: KY

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-25 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: TX

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Last week I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector trying to collect a debt that I allegedly owe LVNV Funding LLC.

I do not owe LVNV Funding LLC anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or LVNV 3 ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
i am not liable for this debt with I.C. SYSTEM, INC, an do not have a contract with I.C. SYSTEM, INC, An they did not provide me with the original wet ink application like I asked.

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 2023-09-25 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:
I received my received my credit report on XX/XX/2023, from XXXX, XXXX, and Equifax. Some information I do not recognize and inquires I didn't not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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 received my received my credit report on XX/XX/2023, from XXXX, Experian, and XXXX. Some information I do not recognize and inquires I didn't not authorize

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check for {$120000.00} to my Wells Fargo checking account. They made it available on XXXX XXXX like discussed and on XXXX XXXX they took the funds back resulting in me being negative roughly {$3400.00}. I used the available funds to purchase a new car and car insurance and now Im loosing that money on my down payment because they denied to pay XXXX due to a verification they now have to do. Not only am I loosing my down payment money but also my insurance money. Wells Fargo released the funds and removed them resulting in a negative balance on my 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 2023-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I received an EMAIL from Credencecerm.com stating they previously sent me a letter regarding a delinquent balance due for XXXX, XXXX. I do not have any knowledge of this company, nor do they have permission to infringe on my privacy by contacting me by way of an email address that I may or may not monitor. 

I replied to their email as follows : Credence Resource Management , LLC You do NOT have my permission to contact me via email. This is an infringement on my right to privacy as I have no agreement with or obligation to you. 

This is to inform you that I dispute the entirety of the validity of the alleged debt and to inform you to cease and desist all contact with me ( including spouse and family members ) from all media sources other than the US Postal Services and that is if, and only if, it is : - To provide documents to validate the alleged debt. Include all official, certified, unredacted forward flow documents and alleged original creditor information. 

- To provide proof that I have any legal obligation to pay you. 

- To inform me that you have XXXX this alleged debt and disassociated it from me. 

- To inform me that you have removed all references to the account from all credit reporting agencies and that you have informed them to delete same. 

- To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector. 

- To inform me that you have issued the settled civil and/or statutory financial remedy that is to be determined. 

I will also grant them permission to contact me, via USPS to inform me that my XXXX services have been completely restored. 

Please note : On XX/XX/XXXX I filed complaint # XXXX against XXXX for false statements or representation. I also contacted them and was on the phone with their reps for more than an hour waiting to speak to someone in management, at which point I was informed I would get a return phone call within 24 to 48 hours ; its been months and I have not heard from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) 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 With that said I wish to have items remove 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 2023-09-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-09-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have taken immediate action to dispute a debt that does not belong to me. 
NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX ( inaccurate late payment history, never late ) XXXX XXXX XXXX  After discovering the fraudulent nature of this debt, I promptly filed a police report to document the identity theft that led to this situation. With the police report as evidence, I have contacted the debt collector and formally requested the deletion of this false debt from my records. It is crucial to rectify this issue swiftly to protect my financial integrity and prevent any further harm to my credit history. I will continue to monitor my credit reports closely to ensure that this erroneous debt is completely removed, and I can regain control of my financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: MD

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

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 2023-09-25 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: MD

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

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 2023-09-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have checked my account on XXXX XXXX to make sure my payments went through. The credit report on XXXX XXXX notified me that there is a change in my report. My credit report went down drastically because my on-time payments went down from 100 % XXXX %. I was confused because I had always made my payments on-time, and decide to investigate. 

The account was named JPMCB CARD SERVICES. I never opened an account with them nor it belongs to me. It has happened to me before and has damaged my report. It was reported on XX/XX/2023that I missed a payment on my card. I had called XXXX XXXX before, and they had only reported it as fraud. It says the age of the account is 4 months old, but I never opened one and never been associated with JPMCB and/or Chase. It also says that the on-time payments are 75 %, but I had always made mine 100 %. I had gotten the alert on XX/XX/2023. It states that the last payment made was XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Last week I received a letter from Credit Control , LLC stating that they are a debt collector trying to collect a debt that I allegedly owe XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or XXXX XXXX ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.

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 2023-09-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: IL

Complaint narrative:
I am on the last creditor to repay and I requested that they would start settling with the company. When I started with the debt company, I was told that it would take around 4 years to settle, its going close to 5 years and they are collecting the money, but they are not settling on the last debtor. They say that they will settle when they reach a particular amount, but they will not say how much. They did a repayment for almost all of the credit cards, but they won't for the last company.

Company response to consumer: Closed with non-monetary relief