vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Central States Recovery, Inc.
State: SC

Complaint narrative:
There are numerous items on my credit report that arent mine. Ive contacted the hospitals and they dont have the records Ive disputed the claims but they are still on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am sending this dispute letter on my behalf. Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization

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 2023-06-21 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: AZ

Complaint narrative:
Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX. XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
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 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Block, Inc.
State: IA

Complaint narrative:
The company Square sends me an email daily saying that a payment of {XXXX} did not go through and I need to pay them. They are sending the email to XXXX. They say it is for an electric company called XXXX XXXX in XXXX, Iowa. This has been going on Since XX/XX/2022. I have responded to the email with cease and desist. I have called XXXX XXXX and he said he didnt know how to stop the collection activity. I have called Square and they said they could not stop it and that XXXX XXXX would have to do it. They are violating FDCPA law. I am tired of the harassment. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX XXXX my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2023 - {$1200.00} I was told by PayPal that a purchase was made to XXXX. Upon looking for them online I found that it was from a realty company. In order to file the dispute I needed to file a form. Upon filing this form I had made a mistake writing it from {$150.00} to {$15000.00}. In order to make the proper correction I would have to send then more $ XXXX 

They text me an E-Check for {$26000.00} from the XXXX XXXX XXXXXXXX which would be forwarded to my checking acct. upon there receipt of the money. 

XX/XX/2023 I needed to send them and additional {$1300.00}. Both times this was done by me going to a XXXX XXXX  sending them cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
My name is XXXX XXXX, I am a citizen of XXXX. 

In XX/XX/2023, I used my debit card in order to buy an expensive XXXX XXXX on an online web shop that has been very professionally done. I got a confirmation of buying an XXXX XXXX for XXXX EUR ( see invoice invoice_krak.pdfin attachment ). In reality the web site happened to be a fake and disappeared after several weeks and some criminals used the information that I provided on this fake web site about my credit card and my driving license in order to buy Bitcoins on a US bitcoin market Kracken.com. 

My bank made a Cashback request to Kraken.com, and they got a printout of bitcoin purchase ( see bitcoin_purchase_by_criminals.pdf in attachment )., but Kraken refused to pay money back saying that I authorised buying of Bitcoins and got the product. 

I want to state clearly here that : I NEVER authorised any Bitcoins purchase and never provided Kraken with my driving licence information. Criminals did it instead of me.I NEVER got these Bitcoins. 

I contacted Kraken.com and asked to help me to solve this case, however got an answer from their legal that they are not giving information to private persons about OTHER peoples accounts, they can only talk to police. ( see " mail from Kraken support.pdf '' ) I do not agree with Kraken due to several reasons : 1. The account is MY ( not OTHERS ), it has been created using MY driving licence data and MY credit card data.

2. The Kraken.com has severe problems in the way they sell their Bitcoins. Knowing the nature of the cryptocurrency : a ) they did not check that my driving licence was real. XXXX can be used in order to change picture or any data in it. 
b ) they did not check that the Driving licence/Credit card data has not been stolen or blocked ; c ) they did not check that I am still alive ; d ) they did not check that I personally confirm this transaction and not forced to buy Bitcoins by criminals in ANY way e ) they allow third party members ( criminals ) to open accounts using not their own ID/credit card data. 
f ) they send information about Bitcoin ( money ) value and key to Bitcoin to any email address provided by criminals without checking that email address belongs to the owner of ID card/credit card 3 ) By doing items under 2 ) Kraken indirectly support criminals, who knowing their weak points create fake web shops and steal peoples money together with Credit card and ID cards data. 

I contacted XXXX  police and they opened the case, but they can not help me because XXXX  police does not have International authority to deal with a company registered in US. 

Please help me to get my money back. XXXX  EUR is a big amount for me. I don't know whom else should I ask... 

Thanks in advance. 
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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Date : XXXX XXXX Amount : {$530.00} They did not notify about a pay day loan being reported to the credit bureau, while I was making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
XX/XX/XXXX I canceled my XXXX Account and First Digital Credit Card Account - XX/XX/XXXX First Digital card paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. XX/XX/XXXX Called XXXX and they stated my balance was paid in full back in XXXX XXXX. Recontact First Digital card and they promised to fix the error. I can canceled my card with First Digital in XX/XX/XXXX. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- First Digital paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. each month. I called First Digital each month and they promised to rectify but never did. I paid first digital each month so my credit would not tank. XX/XX/XXXX I finally spoke with a manager who fixed the issues but still doesn't know where the money to XXXX went as XXXX never requested funds. XX/XX/XXXX I got yet another bill as attached. Spoke to customer service and fraud. First Digital will not allow me to speak with a manager nor have they keep complete records. How is First digital paying on a account that has been closed since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: PA

Complaint narrative:
I received a letter from Resurgent Capital Services on XX/XX/XXXX about a debt on a XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  stating that I owe a balance of {$2900.00}. The current owner of this debt is LVNV Funding LLC.and was placed in Resurgent company for collections. This card was supposedly issued in XXXX. I have never had a credit card from this so-called bank and company and have never been contacted by mail, email, or phone about this issue to dispute it till now. I called, upon receipt of this letter, the Resurgent company and they wanted a plethora of personal information which I refused to submit to. This is a definite fraud situation and I am requesting an inquiry into this matter so it doesn't happen to other unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Dont know who this is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Source Receivables Management LLC
State: MI

Complaint narrative:
Spoke with representative from XXXX advised that I needed to contact the collection agency. I called and talked to a representative who in turn gave me a fax number so I can submit the necessary documentation. I was incarcerated at the time the said account was opened as well as numerous inquiries were made at that time. I have submitted the necessary dicumentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have filed disputes with Equifax, supplied support documents, written letter to them explaining the situation and no resolution. 

The problem is that a mortgage amount of $ XXXX is showing on my credit report that I do not have with a company that is no longer in business and the owner is deceased. I have provided a letter from the sole trustee of the deceased verifying that information. Equifax states I need to contact the mortgage company to have the mortgage amount removed from my report and I keep telling them I have no one to contact. I never had a mortgage with that company to begin with and I've supplied the support documents as well. I also wrote a letter asking who reported the information in the first place and I have never received a response. This amount on this report is impacting my credit FICO score. It is not accurate and unfair practices. I need help to resolve this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I sent my letters out on XX/XX/2023 ( certified ). I told the credit bureaus to investigate every piece of information on the accounts I have listed below. I have attached the letters I sent and the tracking numbers. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquatinted or may have knowledge concerning any such items of information. 

They stated that they are unable to verify if the letters were being sent by me. However letters were sent certified. Every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA USC 1681 Everything must be 100 % accurate. 

Tracking numbers : XXXX, XXXX Accounts : XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # 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