vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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:
These inquiries i do not recall giving consent to report or do you recall using these sites

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 2024-06-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
My bank account was levied back in XXXX of 2023 I reached out to you guys about tactics XXXX funding took no written notification no information was provided before they went to extremes. 
I filed a complaint with you about this company they agreed per the letter that they would be willing to work with me payment arrangements when I contacted them per the letter they said they don't have to do payment arrangements I reached out to you guys about the bank not doing what they were supposed to and providing me written notification and that was passed on to someone else I'm still fighting with them to get my funds released. 
The monies in my account are exempt first I get a survivor 's death benefit for the passing of my mother second XXXX XXXX XXXX XXXX XXXX XXXX and third I share account with my son 's dad therefore every one of these count and are exempt status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Harassing phone calls from a company I have no idea who they are or what they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax numerous of times about my credit report not updating on their site. To see an accurate report I have to use a 3rd party website. I call equifax to report and file dispute and the issue never gets resolved. Due to the fact they dont see the accounts or inquiries. As well as my credit score. I dont know my actual credit score because it is different on equifax and 3rd party reporting agency. As well as when disputing anything it drastically drop the score. Then after the disputing the score come back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> we visited the Wellsfargo XXXX XXXX branch. The banker instructed my wife to do the wire on her own phone as it was cheaper that way, the banker overlooked instructions provided and had my wife sent the wire to the beneficiary 's bank swift instead of the third party vendor swift. The beneficiary 's bank can't receive any us dollars there and never received this wire. the wire was clearly rejected in the Wellsfargo payment tracker XXXX XXXX XXXX  We have called numerous times to Wellsfargo customer service, wire dept service, corporate office customer service. People create claims, then we call back and learn claims were created incorrectly, then investigation keeps getting delay. The wire never left Wellsfargo but keep saying we have to wait 30 days. They made this mistake and are not doing the due diligence to fix an error they caused.

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 2024-06-04 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/24, three fraudulent charges were posted on my Chase credit card. Once I noticed them, I contacted Chase to report them. Two of the charges were deemed fraudulent and my account received the credit. The third charge, for {$190.00}, was somehow deemed valid despite multiple protest calls to Chase. I also attempted many times to contact the company directly but despite emails and chat bot conversations, there is no way to reach anyone at the company. I requested contact information from Chase and even they could not seem to find contact information for the company. ( I reported the company, called XXXX, to the FTC but I have never heard anything back on that either. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Here is my revision : I have discovered unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft, as I have no knowledge of these accounts. I previously raised this issue, but the fraudulent items remain on my report, causing me significant stress and hardship. 

These inaccurate accounts misrepresent my true credit history and financial responsibility. Their continued presence may prevent me from achieving important goals like securing a mortgage to purchase a home for my family. I am respectfully requesting the unauthorized accounts be promptly removed from my credit report. 

If we can not resolve this issue through proper channels, I will have no choice but to pursue legal action to enforce my consumer rights and obtain an appropriate resolution. The negative impact of this identity theft on my credit report is an urgent problem that must be addressed. 

I hope we can work together to quickly correct my credit report and mitigate any further damage from this fraudulent activity. Please let me know what steps you will take to comprehensively remedy this unlawful situation impacting my financial life. Your cooperation is greatly 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment entries on my credit report that remain unresolved despite my efforts. More than 30 days ago, I provided written notice about these erroneous listings, requesting validation and correction. However, I have not received any response or action to rectify the issue satisfactorily. I am now escalating my request for your prompt assistance in remedying this continued reporting of incorrect derogatory information on my credit file.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment entries on my credit report that remain unresolved despite my efforts. More than 30 days ago, I provided written notice about these erroneous listings, requesting validation and correction. However, I have not received any response or action to rectify the issue satisfactorily. I am now escalating my request for your prompt assistance in remedying this continued reporting of incorrect derogatory information on my credit file.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is not my debt I did not open up any new accounts in XXXX! I want to see the contract for this account open date this is a fraud account these accounts appear to be 7 years outdated and they made up a date that is incorrect which is a violation of FCRA!!! This account does not belong to me I want them both removed 1 ) Lvnv funding opened XX/XX/year> fraud account and open date!!! 

2 ) Lvnv funding opened XX/XX/year> fraud account and open date!! 

I do not have any business with this company they are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: IL

Complaint narrative:
Account name Mohela department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 


Account name Missouri department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 

My accounts are frozen, please investigate further no accounts should be opened under my name. 

Please remove these accounts immediately as I did not authorize these accounts. And they do not belong to me. 


Please investigate Thank you Best and kind regards Sincerely XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
I opened a car loan with Automotive Credit Corp. XXXX XXXX XXXX I believe it was in XX/XX/XXXX. By XX/XX/XXXX my insurance paid off the loan with leaving a balance of {$480.00}. 
Automotive Credit Corp was my XXXX  insurance carrier as well as my finance company for my vehicle. I went round and round with people there in regards to paying my {$480.00} balance on my loan off. I was exhausted going back and forth for months with them over my balance. I'm sure they have a copy of the XXXX documents and I wish they would provide again if they deny my claim. I still today deal with their unstable and unethical way of doing business. They have gone out of their way to make me go the extra mile of fixing my credit. Over the years now the balance went from {$480.00} to {$1100.00}. 
This change somewhere between XX/XX/XXXX and XX/XX/XXXX. The {$480.00} XXXX insurance shouldve paid it off in XXXX. I am requesting for them to show my loan paid off and if there is any damage charges that they would have to pay for doing this to me for years would put a smile on my face. I do have copies of the emails and will provide them when they reply. ( I need time to dig them out ) The payment dates are wrong and very destroying to 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello! 

3 days ago I realized my Equifax score dropped over XXXX points which was crazy to me in a matter of a day, there were remarks added and now I notice on XXXX XXXX ( XXXX ) collections on Equifax but when logging onto Equifax there have not been any collections reported. Please delete or update as it was prior to this data error. 

I have attached a file of credit karma as well as a report from Equifax on XXXX and XXXX where there are no collections reported. 

I am not sure whats going on but it looks like my data is getting mixed with someone else. 

Thank you,

Company response to consumer: Closed with explanation