vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX in the amount of {$76.00}. I contacted the company and informed them I had never had service or signed up for this insurance and that the charges did not belong to me. I requested a copy of support of me applying for the insurance and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

Kind Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/22 Transunion XXXX. My credit freeze free membership reflected I was XXXX XXXX military. I have never been in the military. I spent all day trying to talk to a customer service representative. It took XXXX attempts before I was able to have the freeze taken off. 
XXXX I had an employer inquiry on my credit report. I tried to dispute the inquiry but was unable to online. In a couple of days the inquiry disappeared. How did this happen? 
XXXX I had a security question that I answered correctly. Unable to access my account. 
XXXX I was unable to look at all my security questions. XXXX of the security questions I don't recall adding to my account. I can no longer find the question XXXX My updated information was not transferred to my other membership accounts. 
XXXX I requested a fraud alert on my account due to having incorrect military information and fearing my identity has been stolen. No help that day. 
XXXX Only being able to submit XXXX dispute at a time. 

It is unacceptable for a credit bureau to have these complaints. Disappearing information, incorrect freezes etc. It is unacceptable that there are XXXX logins. They are making it harder for their clients not easier. The credit bureau should be held to the same standards as financial institutions and banking.

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 2022-03-24 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 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: TN

Complaint narrative:
I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE XXXX AND THE XXXX. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. XXXX. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

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 2022-03-24 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: LA

Complaint narrative:
To Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. 
Remove the following account for reporting inaccurately : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
Recieved a debt collection letter and i tried to resolve matter with the debt xollection company They wanted to verefy my social security and daye of birth and i tried to tell them the amount owed on account pertains some other entity and the xollection agency will want to hit my credit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
I have asked several times for this account to be taken off of my credit report per it is not my account. I have not gotten any documentation to prove this is my account or anything. I've been going through this now for about a year or so now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company costumer service had mislead me into not making a payment to pay off promotional purchase before it lapsed. Had me wait months ( told me to wait 1-2 cycles ). Costumer service also mislead me into thinking if I paid the {$900.00}, to get rid of it... did not. 

I inquired XX/XX/XXXX and XX/XX/XXXX was told to wait. Contacted 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 monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, Bank of America assessed a {$12.00} " service fee '' on my new checking account. I increased my balance to the {$1500.00} required minimum and asked them to refund the fee, since I am retired on a limited income. They refused, claiming it was a " valid fee. '' I have no idea what " service '' they allegedly provide for {$12.00} a month! They don't pay interest and they haven't even sent me any checks!

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 2022-03-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i live in PA, i am 100 % XXXX vet which excludes me of property taxes. the bank was provided all the paper work last year. my monthly payment was then lowered to {$600.00}, i send {$610.00} every month. come to first of the year the mortgage company decided to pay the taxes on their own, which then put my escrow account in the negative, then they raised my mortgage payment to {$820.00}. been dealing with the company for 3 months with hour long phone calls, to only get no call back or they were caught in lies. now my credit report was hit for XXXX points for deliquiate acct. 

i have no clue which way to go here this problem has caused me so much stress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I notice someone open a credit card in my name with balance of {$910.00} that I had no idea of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-03-24 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: TX

Complaint narrative:
I have disputed the accounts in question for the past 6 months and the credit bureau has not conducted investigations. The latest example is the following : I submitted a request to Experian on XXXX and on XXXX they finished the investigation ; however date of status did not change which indicates no investigation was performed for the accounts listed below : Account name XXXX Account number XXXX Balance {$1100.00} Status Date XX/XX/2017 Account name XXXX Account number XXXX Balance {$18000.00} Status Date : XX/XX/2017 Account name XXXX Account number XXXX Balance {$11000.00} Status Date : XX/XX/2017 2017

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlockFi Inc
State: CA

Complaint narrative:
My BlockFi account was used in a fraudulent manner. Despite numerous attempts and trying to communicate with this company this company has done absolutely nothing but denied my request for a credit in the amount of {$9300.00}. 
This transaction was done in a state of Nevada I was never in the Nevada when the transaction was done. 
The company claimed that an investigation was done any and if I wanted the the findings. 
I requested the findings and they were never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reached out to the XXXX over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consolidated Recovery Group, LLC
State: NY

Complaint narrative:
Hi In XXXX I transfer with my job from XXXX XXXX to XXXX  and then transfer back to XXXX XXXX in XXXX. I was receiving letters about a debt and dates to go to court for {$27000.00} under a business I opened up name XXXX XXXX XXXX so in XXXX it went on my credit with XXXX. I contacted the debt collector which is consolidated recovery credit and I asked them to send me over what contract they have and it was a contract of liability which means if a business has a balance that is owed to XXXX  they would go after the person other than the business. I asked members of my family about it and I was told they dont know anything. But I looked over the contract and notice that the dates that the application was filled out and filed, I just moved to XXXX  and so someone gave themXXXX XXXX  my social security number and address but they also gave them their personal email and phone number that I do not recognize and I informed both the creditor and collection agency and they refuse to investigate the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I just saw this DEBT BUYING company is constantly updating on my credit report. I sent LVNV a debt validation letter by way of the credit bureaus I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Florida ( 10 ). Proof they are who they claim. They did not respond, so their account has to be deleted due to the violation and i asked for a cease and desist phone calls and letters. they are still contacting me ( violation 1 ) now its XXXX of XXXX, they sent me another letter by way of a process server. ( violation 2 ) Not only were they unsuccessful in serving me, they served my UNDERAGED nephew that was visiting my home. ( violation 3 ) They never sent me a dunning letter to begin with. ( Violation 4 ) This company is illegally soft pulling my credit report. 

They are in violation of the FDCPA ; i will be filing a compliant with the FTC, XXXX, AG, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
i called three years ago that i lost my card no one answered me only when i was put in the Collection Agencies i call them and i offered {$170.00} one time pay and they refused what i should do Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-03-24 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation