vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
In XXXX of 2021, I requested proof from FCO- Fair Collections & Outsourcing , Inc. for validation of an alleged eviction. However, in the corresponding communication I did not receive any supporting or justifying documents from them nor the rental company. FCO is reporting a {$2000.00} and {$5000.00} balance I allegedly owe in collection. In the mail correspondence I received from FCO they only showed me a balance of {$2000.00} from XXXX XXXX  which I have no former knowledge of. The balance of {$5000.00} is from XXXX and I am highly confused as to how they are even reporting two different alleged balances from two different companies. This is causing me major issues with being able to show lenders my credit worthiness. FCO has been made aware that my accurate name is XXXX XXXX XXXX, the debt they are reporting is allegedly for XXXX XXXX. I understand that my name is common but they can not even show proof of my Social Security Number, my ID Number or a copy of my ID. They can not show any supporting documents they would have on file for me. It is FCO 's responsibility to ensure accuracy and completeness on ANYTHING they are reporting on me pursuant 15 U.S.C 1681. I have attached a small snippet of my name from my Drivers License and you will see it XXXX XXXX XXXX, not 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 2022-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting a social security number that does not belong to me. 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 2022-03-17 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MI

Complaint narrative:
FRAUD ADDRESS REPORTING BY EXPERIAN 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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
MAURY COBB ATTORNEY AT LAW LLC. ( XXXX Account number XXXX ) They put a negative report on my credit record, without me being notified about this debt and that caused me to lose XXXX points from my credit score. This debt is more than 6 years old, I did not remember it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received notice in the mail by a XXXX XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX  not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.

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 2022-03-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXX XXXX in XX/XX/XXXX and XX/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 explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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 2022-03-17 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: FL

Complaint narrative:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT. 
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 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted XXXX in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. XXXX was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with Experian & we called XXXX which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. XXXX continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my 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 explanation
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXX XXXX in XX/XX/XXXX and XX/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 2022-03-17 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: MD

Complaint narrative:
I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the Experian, XXXX, and XXXX to investigate this and have it removed.

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 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: LA

Complaint narrative:
In accordance with the Fair Crefit Reporting Act XXXX the accounts listed below 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 Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Auto Loan Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Debt Buyer : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : XXXX XXXX 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}

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 non-monetary relief
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, Transunion, and XXXX to investigate this and have it removed.

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 2022-03-17 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: MD

Complaint narrative:
I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, XXXX, and Equifax to investigate this and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I made one transaction that made my account overdrawn, which I accept one overdraft fee but instead they posted the smallest amount left some pending and overdrawn my account with 6 {$35.00} fee a total of {$210.00}, I had money to cover all the transaction done during the week all the way until last transaction

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 2022-03-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Federal Pacific Credit Company, LLC
State: MO

Complaint narrative:
I leased a car from XXXX in XXXX  XXXX, MO. Paid for it on time for 2 years when the transmission went out. I paid the {$500.00} deductible for XXXX to take it to the mechanic of their choice to put repair. I got the car back 4 weeks later after threatening to call XXXX XXXX XXXX to have their Problem Solvers team try to get my car back. I then drove it 5 months and the rebuilt transmission started acting up. XXXX told me to drive it to their office in XXXX ( 88 miles from my home ). I did so that day. They told me the transmission was going out again but I'm 6 miles over the warranty so I have to pay another {$500.00} deductible to have it repaired again. I asked if I could pay the up charge to get a different vehicle this time. They said I would still have to pay to have the transmission replaced because I can not turn in a car that is not in the shape it was when I purchased it. They said the only other option is to pay the {$2000.00} to get out of the lease. I asked if I could write a check, they said no it would have to be money order or cashiers check. I went to XXXX  XXXX XXXX and got a money order, took it back and paid to get out of the lease. They said they would get paperwork to the bank and I would recieve it within 90 days. At the end of the 90 days I called XXXX they said I needed to call the bank that financed it & gave me the number. I did the bank representative told me they send all clossed account info to XXXX  who then sends it to their customer & I am the customer so I need to take care of it with XXXX. I called XXXX back & the person I needed to talk to was " on the other line '' so I called back 3 times a week, always being told the above excuse or that person " is not in ''. I did this weekly until they closed that location. I tried to call the other location and was told they have no way of pulling info from the closed location. So I had no choice but to hope my {$2000.00} payment went to what it was meant for. Now I see it didn't and Federal Pacific Credit Co, LLC now owns the rights to the lease/loan and are trying to make me pay the remaining balance through their collections dept named XXXX XXXX  XXXX

Company response to consumer: Closed with explanation