vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
A collection has been put onto my credit report that I have no knowledge of, and I did not give anyone permission to do so. I have been contacting and going back and forth with the collection company for more than 30 days in reference to this, each time contacted I get the same response as its under investigation. Asked for the wet signature and nothing has been received. this is my third time writing a complaint with the cfpb against this issue. I have been cooperative thus far and this issue has caused me XXXX XXXX XXXX due to me not being able to get approved for my home loan. Attached to this complaint is all documentation and proof that was requested by this company that still hasn't gotten ack to me in regard to an update.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unfortunately after reviewing my credit report on Equifax, and XXXX XXXX, I noticed many inaccurate personal account information on my credit report mainly inaccurate addresses and previous inaccurate employment items such 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. Previous employment : customer service representative 9XXXX XXXX XXXX XXXX XXXX I have attached a copy of my lease agreement to show my current address as I have been there longer than two years thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: IL

Complaint narrative:
Recently Ive received a copy of my credit report and noticed that there are accounts that are being reported improperly. These accounts are detrimental to my credit and my life. Please review this information and have these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: IL

Complaint narrative:
Recently Ive received a copy of my credit report and noticed that there are accounts that are being reported improperly. These accounts are detrimental to my credit and my life. Please review this information and have these accounts removed immediately.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX Credit Bureau removed a couple files, that were not mine, that I disputed, but are refusing to take off the remaining collection files. These accounts are not mine and I asked for them to be removed immediately. The company is claiming that the collection accounts are mine and the collection company says they purchased the debt from the original creditor. I asked for them to simply show me proof that the debt is mine and to date, they still have not. Please hold both XXXX, LVNV and XXXX XXXX XXXXResurgent responsible for refusing to follow the laws that protect consumers from having inaccurate information on their credit files, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citibank Costco Visa Card, and because of my purchases, I have accumulated around {$140.00} in cash back on the card. Citibank states that I will lose my cash back if I close my account. That is not right. They should send me a check for those rewards.

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 2024-07-28 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXXXXXX XXXX XXXX. {$15000.00}, XXXX XXXX. {$400.00}, Department of Education XXXX XXXX. {$11000.00}, XXXX. bal. {$18000.00}, XXXX Security bal. {$52.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX and XXXX my wallet was taken from me and charges were put on 4 of my credit cards. American Express Has XXXX dollars of fraud on this account. They said i would have to pay for these charges since there is not enough evidence of fraud. I did not authorize these charges. XXXX  is the creditor that charged my card. would like these charges dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
I did not authorize 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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have spoken to 4 different individuals in their Credit Card fraud team and was told that the phone call was being recorded.

I was denied access to speak to a manager.

I was also told by the last person that they can not provide the address whereby the calls can be subpoenaed because it was a security issue for them. Priceless. What is Chase ( JPM ) hiding?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCKED AND DELETED from TRANSUNION LLC for myself XXXX XXXX. The last XXXX of my social is XXXX. My date of birth is XX/XX/year> ; Please delete the following account THE XXXX XXXX XXXX balance {$300.00}. XXXX XXXX XXXX balance {$2500.00}

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 2024-07-28 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: IL

Complaint narrative:
Recently Ive received a copy of my credit report and noticed that there are accounts that are being reported improperly. These accounts are detrimental to my credit and my life. Please review this information and have these accounts removed immediately.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently received my credit report from XXXX and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you XXXX XXXX XXXX reporting ( income ) on my canceled debt of XXXX XXXX XXXX XXXX XXXX XXXX this amount is absolutely not accurate please explain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received my credit report from XXXX and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you XXXX XXXX XXXX reporting ( income ) on my canceled debt of XXXX XXXX XXXX XXXX XXXX XXXX this amount is absolutely not accurate please explain

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 2024-07-28 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: GA

Complaint narrative:
Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXXXXXX XXXX XXXXXXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency XXXX XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from XXXX credit bureaus ( XXXX XXXX TransUnion ) that your agency XXXX XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.

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 2024-07-28 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-28 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: Synovus Bank
State: PA

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
for the past four years, I have been working on my credit. I have paid everything off, Ive paid everything on time and Ive stayed on top of the reporting. I am up to date with everything. Earlier This year, XX/XX/XXXX XXXX XXXX XXXXXXXX all of a sudden started reporting a collection that was not mine of {$2400.00}. Their dates and everything theyre trying to say I took out a payday loan do not add up. I did take out a payday loan In XXXX but it was not with XXXX XXXX  who they are saying i did. I have already paid that off that was already dealt with and removed years ago. All of a sudden this random place, XXXX XXXX XXXX  is texting me, messaging me, calling threatening me saying theyre gon na take my wages and theyre gon na send me to jail Theyre gon na take me to court. This is 100 % not my account. Ive disputed it and it was taken off of my credit but then I woke up this morning to a XXXX point drop and go figure the account is back on my credit. This makes no sense nobody has verified it with me and Im sure the credit bureaus arent even verifying it. This should be illegal. I would like somebody to take care of this because its not mine and if this is happening to me, how many other people are being screwed over by this company?

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
for the past four years, I have been working on my credit. I have paid everything off, Ive paid everything on time and Ive stayed on top of the reporting. I am up to date with everything. Earlier This year, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  all of a sudden started reporting a collection that was not mine of {$2400.00}. Their dates and everything theyre trying to say I took out a payday loan do not add up. I did take out a payday loan In XXXX but it was not with XXXX XXXX  who they are saying i did. I have already paid that off that was already dealt with and removed years ago. All of a sudden this random place, XXXX XXXX XXXX is texting me, messaging me, calling threatening me saying theyre gon na take my wages and theyre gon na send me to jail Theyre gon na take me to court. This is 100 % not my account. Ive disputed it and it was taken off of my credit but then I woke up this morning to a XXXX point drop and go figure the account is back on my credit. This makes no sense nobody has verified it with me and Im sure the credit bureaus arent even verifying it. This should be illegal. I would like somebody to take care of this because its not mine and if this is happening to me, how many other people are being screwed over by this company?

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 2024-07-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XX/XX/year> Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party Owed : XXXX XXXX. 
Amount : {$850.00} Party Owed : XXXX XXXX. 
Amount : {$600.00} Party Owed : XXXX XXXX Amount : {$510.00} Party Owed : XXXX XXXX Amount : {$1900.00} Party Owed : XXXX XXXX Amount : {$250.00} Party Owed : XXXX  Amount : {$1000.00} Party Owed : XXXX  XXXX  Amount : {$3000.00} Party Owed : XXXX XXXX Amount : {$2500.00}

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 2024-07-28 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-28 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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