vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

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 2023-09-20 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: NJ

Complaint narrative:
Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Experian a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?

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 2023-09-20 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-20 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: TX

Complaint narrative:
Please remove from credit. I do not owe a balance. Ive never received a disbursement from the school. Please remove from credit. I dropped all classes once I realized they were trying to get me to take out a loan.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
XXXX XXXX I paid XXXX or more on account and they dropped my limit. Next month I paid another XXXX plus and they dropped again. I pay everyone on time and never late. I explained that XXXX had billed me incorrectly during XXXX and was being resolved because my score had dropped with this issue at the time. I also feel Transunion is reporting inaccurately my score, it is XXXX points lower than XXXX XXXX XXXX. The other issue is if I use {$300.00} in the card they drop XXXX points. When I pay the same amount back or more, they raise XXXX point, why?

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 2023-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2023 I received an email that information had changed in my account when I attempted change my password it would not allow me. I reached out to the company to let them know that there was some fraudulent activity going on with my account. And I verified all of my information except the address that was changed. They were unwilling to help. I'm afraid that my personal information has now been distributed. Due to their lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 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: MD

Complaint narrative:
Company did not resolve my issue when contacted and told them I am a victim 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, GA XXXX The CORRECT Phone Number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect information in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: HI

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 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 2023-09-20 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: HI

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2023-09-20 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: HI

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was financed a XXXX XXXX XXXX XXXX from American Credit acceptance in XXXX. I have been on time with my payments and never late. I only owe {$3900.00}. on the car. It was almost paid off. The car was impounded/I was not at fault. The impound company contacted American Credit Acceptance finance company and they made an agreement to action my car off. Now I don't have my car, my finance company gave another company permission to sell my car and my finance company still wants me to pay them for the car. They sold my car and committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Regarding my previous complaint under the # XXXX I REQUESTED THE SPECIFIC SIGNED BILL OR RECEIPT OF THIS TRANSACTION THAT SHOWS FOR HOW MUCH Resurgent Acquisitions LLC BOUGHT THIS ACCOUNT... THIS COMAPANY FAIL TO PROVIDE ME ANY SIGNED DOCUMENTS THAT HAS BEEN REQUESTED BY MY PERSON ....

If in 10 days of this new complaint Resurgent Acquisitions LLC FAILED TO PROVIDE ME ALL OF THE SIGNED DOCUMENTATION THAT HAS BEEN REQUESTED BY MY PERSON I WILL IMMEDIATELY FILE A LAWSUIT AGAINST Resurgent Acquisitions LLC FOR HIDDEN AND NEGLECTING TO PROVIDE ME SIGNED DOCUMENTATION FOR THIS ACCOUNT THAT HAVE MY PERSONAL AND FEDERAL INFORMATION IN IT...

Resurgent Acquisitions LLC JUST SEND ME A RANDOM PDF DOCUMENT STATING THEY BOUGHT THIS ACCOUNT FROM THE ORIGINAL CREDITOR FOR XXXX XXXX BUT OFCOURSE NO SIGNED BILL OR RECIEPT THAT PROOF THIS IS TRUE AND NEITHER FOR HOW MUCH THEY BOUGHT THIS ACCOUNT ( SEE ATTACHMENT )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX  claimed to have delivered an item to my home address. But no delivery was made on that day. I have checked our XXXX and questioned everyone in our home, but there was no delivery trace. I checked my XXXX app to report the situation, but I was advised to wait at least two business days because sometimes couriers mark an item delivered before they do. I waited three days, and nothing happened. Between XX/XX/XXXX and XXXX, XXXX I called and chatted through the app with XXXX to notify them of the situation and get a resolution. But they kept XXXX  ( excuse my XXXX ). 
As a result, I reported the incident to Paypal Credit on XX/XX/. I continued to dispute and contact them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX Paypal Credit claimed to have received proof that I had received the item and continued to seek payment. As a result, I closed the account and requested a copy of the evidence they claimed to have so I could pay them ( In case I have lost my mind ). As of today, I am still waiting to receive evidence that supports the PayPal credit claim. But PayPal Credit continued to send me bills with penalties, Interest, and other ridiculous charges. Also, PayPal Credit continued to supply credit bureaus with derogatory remarks on my credit profile. 

The Fair Credit Billing Act ( FCBA ) requires PayPal Credit to investigate a dispute thoroughly. But they failed to do so and continued to make a decision consistent with a description of discrimination. They also could not establish a factual obligation that requires me to pay them. 

Remember, the account was closed on XX/XX/, to the satisfaction of Paypal Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-09-20 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: NJ

Complaint narrative:
Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Transunion a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?

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 2023-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I received XXXX Derogatory marks from a collection agency named National Credit Systems.

The first one, in the amount of {$450.00} from a creditor named as an apartment complex in XXXX XXXX Texas named XXXX XXXX XXXX XXXX XXXX The second, In the amount of {$6300.00} from a creditor named as XXXX XXXX. also and apartment complex in XXXX XXXX. 

I did not sign any lease with either of them. I live in XXXX as a home owner. I believe my identity had been stolen and I was a victim of identity Fraud.

My credit has been frozen on all Bureaus since XX/XX/2023. So these apartment complexes definitely did not do their job of properly verifying my credit. 

I Have contacted National Credit Systems. a person named XXXX XXXX has been in charge of this case that has an internal reference number : XXXX XXXX XXXX has requested me twice to send the same documentation package that their identity fraud team requested. I have sent all documents requested by Mail and E-mail as they requested. 

Since XX/XX/2023, I can only see the second charge of {$6300.00} on my account. I believe National credit systems removed the first charge. 

But they failed to remove the second. 
XXXX XXXX XXXX is unaware of the documents I sent, it seems that their department do not communicate internally, so he can't answer why one charge was removed but not the second.

when I asked what should I do about this, he forwarded the same first e-mail with the same requirements. Which was frustrating.

Since this communication isn't going anywhere, I decided to contact CFPB to weight on the resolution of this matter.

I am a Real Estate Investor and can not afford to have these kinds of issue on my credit. it is crucial that this gets removed from my account ASAP.

I am attaching the same documents that the debt collector requested for your revision. including the police report file in XXXX, water bills and home insurance policy to prove my place of residency on the time the events happened and signed affidavits. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Company isnt resolving my dispute and I spoke to the dispute dept and she was rude and didnt issue me a credit for a XXXX transaction that I received a statement for XXXX and I had a credit balance earlier and the next day it shows that I owe XXXX the next day which is weird I dont know the full account number ends with XXXX the transaction in question is XXXX XXXX on XX/XX/2023 and I need to have this charge credited on my close account asap so I can move on with my life. 

I never use this one main credit card and I closed it few times due to low credit limit and high annual fee

Company response to consumer: Closed with explanation