vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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: IN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-16 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: VA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: TX

Complaint narrative:
on ExperianXXXX I am unable to submit my identity theft documents. I have tried multiple browsers and computers. I have also tried to send these documents in different accepted formats. There is not one who can help me from the company. The company claims that even though I have already mailed them this police report for identity theft that I must submit the documents with their broken website. I will attach these documents to this complaint for Experian to review.

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 2023-12-16 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: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal 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 non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal 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 2023-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc.
State: IN

Complaint narrative:
I contacted XXXX XXXX XXXX on multiple occasions stating the service they provided made my XXXX  worse and I would not be paying until they sent the correct retainers to fix them. Then I see this company went bankrupt. I will not be paying anything on this and plan to sue for the damages they have done to my XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I received a collection notice from Credence resource management LLC of XXXX Texas in the amount of {$670.00} the amount was for Ambulance transportation by XXXX XXXX XXXX on XX/XX/2023. I responded that i have never been in or transported by XXXX on or around those days. I asked that they send me proof that i was transported by this company and they sent me a bill from the company that had my name as the person that was billed but a different person as the patient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I do not know why i am not able to open an account but if I owe anyone i will pay it I just want to open an bank account to save money and build credit someone tried to deposit fake check in wells fargo account making it close account down i have the proof it wasnt me

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 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
I have been monitoring my credit report every week and just yesterday a company called Diversified Adjustment just out of the blue added a collection on my account which is not mine. Further I disputes it through the credit bureau and Diversified just reported that it was accurate, even though I have never heard of this company, never have received a phone call or a letter from this company. This company has violated the Debt Collection Rule by circumventing the system and just in secret added to my credit report. I want this debt removed from my credit report and this company sanctioned for their illegal practices of just adding negative information to people 's credit reports without them being aware there is even an issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 explanation
Consumer complaint received 2023-12-16 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am writing a complaint to this company because I am certain that they have violated my consumer rights by not providing validation of debt upon my request in XX/XX/2023 in a timely matter. Also, after carefully reviewing my report i noticed some inaccuracies being reported on my consumer file from this company. Under FCRA law 15 USC 1681s ( 2 ) lenders have an obligation to report accurate and factual information on a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: NC

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 and 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 explanation
Consumer complaint received 2023-12-16 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: NC

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Around XX/XX/XXXX I received a text message from lender stating I was eligible for a payoff settlement of {$560.00}. I immediately called lender to take advantage of this offer as I am falling on hard times financially and had trouble paying the {$1400.00} I initially owed which included late fees also. Once I called the agent & I made a agreement via phone that I accepted the offer and would have to pay 4 payments of {$140.00} every week for a total of 4 weeks in a 1 month span in order to pay off settlement of {$560.00}. I asked the agent could I also receive a email or letter for proof of that agreement she stated yes I would be sent both. I was so excited to pay this off and put this behind me. My first payment was supposed to be XX/XX/2023 Friday but on that date I went to the app to pay and noticed that there was so record of this on the app and also the balance was still {$1400.00}. I called the agent back to see why and she responded dont worry about that they have our agreement on file and it would shortly reflect in the app as well as the letter and email. I was a bit concerned with that and decided to Waite to see if I received any information of this agreement or If the app would reflect the new balance of {$560.00}. After not receiving anything and fearing that I would loose the agreement I called back on the XXXX of XXXX and made what was supposed to be my first payment of 4. After making the payment I still received no written proof of this agreement and the app also did not reflect it. I called today XXXX XXXX to make whats supposed to be my second payment out of 4 and spoke to 2 reps who had no knowledge of this agreement and also didnt see any notes of this agreement and encouraged me to pay the balance of {$1400.00}. After I explained to them the offer that I agreed to they transferred me to a rep that assured me the agreement was solid and that I needed to pay my second payment of {$140.00}. He stated they sent me a email XX/XX/XXXX as well as a letter in the mail and I confirmed with him that I did not receive anything that gave me proof of this agreement. He stated they are not able to send me a email or letter of this agreement and that I would just have to trust their word and that the calls are recorded and that I can use that as my proof. I feel this company has lied to me and manipulated me and forced me to make a payment. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX  I received a letter from Discover Home Loans with an offer to take advantage of the equity I had in my house and I called and got pre-approved after the review of my credit score and job information I provided. 

( we also clearly discussed what percentage to apply for to meet my income affordability ) XX/XX/ I was told they had all my information and that the application was going to be reviewed by underwriting pending any additional information needed. 

XX/XX/ I received an email saying that they would be unable to move forward because I didn't send all my paperwork on time and I would have to apply all over again if I wanted to move forward. 


XXXX XXXX XXXX  I called Discover Home Loans and was able to prove that all my paperwork was sent to them via the emails that were sent between me and the agent who assisted me. I was then told the application would be reviewed again and it would be forwarded to underwriting for review. 


XX/XX/ I received a letter dated XXXX XXXX XXXX saying that my application was denied due to a " statement of credit denial '' XXXX XXXX XXXX I called to check on the status of the application and I was told the application was denied due to applying for too much credit and I claimed no income on one of my job titles ( I claimed no income because there were repairs that needed to be done and it cost me more than I made that year ) the 3rd time I received a different reason for denial and I requested to talk to a supervisor. 

XX/XX/2023 I received an email asking me for the best time to get a hold of me on that following Monday. 

XX/XX/2023 I called and asked to speak to someone regarding this and was told a new supervisor would call me because the other one was out. 

XX/XX/2023 I received another email saying that they would call me back and I never received a phone call. 

XX/XX/2023 I called again and was told someone would call me today and there was once again no phone call and I started this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My information was given to a third party collection without my consent my rights as a federally protected consumer was violated because of this I tried to get in contact with the company as of XXXX I havent gotten Response yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has lost their minds, they are deliberately reducing my score, when I pay on my accounts they take off XXXX points, I have great paying on time history, jhad a score of XXXX 4 months ago, now they have keep going down and down for no good reason, other than to make me have to pay a higher interest rate, this needs to be investigated as fraudly activity

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 2023-12-16 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: MD

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} 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 2023-12-16 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: MD

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: NC

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 and 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 2023-12-16 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: LEXISNEXIS
State: MD

Complaint narrative:
It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any accounts are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK
State: AZ

Complaint narrative:
Mechanical bank internet app wasnt working around XXXX they have problems with .the app said I didnt own nothing one month so didnt make the payment because didnt own anything thats month latter on like around XXXX they start calling my work and my family asking for my because they said I was late in a payment they said didnt have to do I been doing all the payments on time an my credit is good .ill pay the late payment and then they said I owned late fees for XXXX dollars extra for something their app has problems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is breaking the consumer law pertaining to : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately. This is a violation of my consumer rights. I've lost XXXX of dollars and mentally stress out. 
If this isn't resolved. I will have no choice but to move forward with litigation. 
XXXX CARD HOLD

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