vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
I reached out to the XXXX, XXXX. back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, XXXX  which is not where I live. I live in XXXX  and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of XXXX, XXXX. but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the XXXX XXXX of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
My home mortgage loan was purchased by Planet Home Lending at some point at the beginning of this year. I created my online account with Planet Home Lending on XX/XX/22 after my original loan officer who completed my loan in XXXX notified me of the change. I made a manual payment that day with confirmation number XXXX and attempted to sign up for autopay. I never received a confirmation of enrolling in autopay The following month after realizing my payment had not be deducted I logged in to realize the payment never pulled. On XX/XX/22 I again made another manual payment with confirmation number XXXX and enrolled again in autopay. This time I did received a confirmation of my autopay enrollment on the same day XX/XX/22. 

Since this time, no communication has been received from Planet Home Lending until today when I received an email at XXXX PST asking me to contact the company with the following message : " XXXX XXXX Please call Planet Home Lending , LLC toll free at XXXX from XXXX to XXXX M-F and Saturday XXXX to XXXX Eastern Time Thank you, Planet Home Lending , LLC XXXX : XXXX '' After calling in I discovered the reason for the communication was because they had canceled my autopay without notifying me and did not pull payments for the following months, XXXX or XXXX. They informed me they contacted the credit bureaus on XX/XX/XXXX to report the lack of payment on the account which resulted in over a 100pt drop on my credit score which until now had a perfect payment record across all accounts. 

I ultimately was directed to the highest supervisor available - XXXX  ( Employee ID - XXXX ) who ultimately declined any help in resolving this matter after admitting Planet Home Lending was the party who canceled the autopay without any sort of communication to me. She only committed to removing a single late charge from my account and refused any further help. I have already paid the outstanding payment amounts to bring the account current - minus any late fees. 

I have included the chain of emails below that documents the development of this incident

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Reference : Prior Complaint # XXXX My numerous requests, to Resurgent Capital Services , to supply a single copy of the original document that contains either the last four digits of my social security number or the last four digits of my drivers license, has to date never been supplied. I recently received another correspondent, from Resurgent Capital Services, which contained the exact same document contained in every correspondent received. Resurgent Capital Services can not prove this is my account. Every company that supplies equipment in the XXXX XXXX  and beyond performs some level of credit check, as XXXX must have, and include that information in the customers file. However, Resurgent Capital Services can not or will not supply a copy of that original document. Also, as stated in my prior complaint, Resurgent Capital Services attempted to prove I was the owner of two different accounts ; this is definitely the sign of collection company scam. In addition, there were more than 15 families that shared the address on the ranch that Resurgent Capital Services claims is my account statement. This account could have belonged to any one of these employees, since Resurgent Capital Services first insisted that the account ending in # XXXX was mine and then now insisting that the account ending in # XXXX is mine also. Finally, Resurgent Capital Services has never supplied proof they are authorized to collect for LVNV Funding LLC, that they are licensed to collect debts in the state of Florida and their license number, no matter what the state issued. This is information I am entitled to and must be supplied to me, upon request. 

After speaking with an CFPB agent, on a recorded line, she diplomatically disclosed my legal entitlement to all of the information requested in the dispute letter to Resurgent Capital Services. It would appear LVNV Funding LLC purchased several XXXX debts and instructed Resurgent Capital Services to go on fishing expeditions to locate any person gullible enough to pay them, which could be defined as a classic debt collection scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: PA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX  XXXX XXXX XXXX  Filed on XX/XX/2016 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 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
( Please note this overview was sent to President Biden ), President Biden, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; s and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Transunion had the audacity to send information regarding Fraud Prevention. Well, you can ; t dispute any fraudulent account if TRANSUNION blocks you from the system after registering for an account. Must we remind them we are holding copies of XXXX  '' XXXX prior to XXXX? It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. 

In closing, the Attorney General of Georgia, apparently believes the new process which is being created to decrease fraud is both innovative and creative. I am sure he is taking the credit for it. Sadly, I personally see this as a superficial cover to create an illusion. Also, The money which is being generated from these new processes is benefitting who? 

Respectfully Submitted

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 2022-06-24 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ending in # 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 explanation
Consumer complaint received 2022-06-24 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: OK

Complaint narrative:
In accordance with the fair Credit Act : XXXX XXXX account XXXX, has violated my rights, 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. 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 explanation
Consumer complaint received 2022-06-24 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I became aware of unusual withdrawals on my checking account that I have with Bank of the West located in XXXX, Ca. I have been a customer of Bank of the West for about 15 years with no complaints. Recently, I have had issues with purchases or withdrawals made online that were not authorized or made by me. The amount of disputed charges ( starting on XX/XX/2022 ) totals {$910.00}. My bank investigated only {$320.00} of these charges and completed their investigation. However, there is still more than {$600.00} missing. I am providing my bank statement with questionable charges highlighted in green. I am also submitting the correspondence from Bank of the West regarding the investigation of only {$320.00}. I have still not received my new debit card nor any more correspondence from my bank regarding the investigation findings or if the funds have been reimbursed to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX  XXXX XXXX  Filed on XX/XX/2016 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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/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 2022-06-24 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: PA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I Received an email on XX/XX/22 from XXXX that i thought and I call the XXXX so they said that order for something of {$710.00} watch have not all and when I call the number they told me that owe me the money and they said that put in the my account. 
turn out they told to go and get some card of {$500.00} each of three and to keep the phone on while going in the store for buying the cards and after when i was out of the store to send photos both front and back of the card. 
Then told not check my bank account for 12 hours if I did my bank will lock me out of me. 
I also lost them on the Phone and an AL phone number it will be on the pages I will send you ok. 
When call back that see what happen ask them to return the money and to pay the overdraft fee of next {$700.00} and then told to get another two gift cards total of {$500.00} told me not go online 24 hours and i went call online banking 24 hours banking. 
When see what happen I change the pin number and it didn't help found an way to get the money in the long run after all I went to the cops to reporting it. 
I'm send the information ok.

Company response to consumer: Closed with explanation