vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: GA

Complaint narrative:
Equifax sent responded saying they contacted XXXXXXXX XXXX and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a purchase on XXXX XXXX and it was cancelled by merchant. Then I was charged a transaction of XXXX which I never authorized and XXXX isnt locating records of this transaction. Disputed with Chase and they didnt provide me with details on how this charge is valid or who made the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received 3 debt collection letters from XXXX XXXX XXXX XXXX for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to XXXX just in case the letter was a scam. I chatted with XXXX XXXX of XXXX XXXX XXXX and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called Comenity Bank, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called XXXX for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so XXXX has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with Comenity Capital Bank, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with XXXX in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
I received a letter with XXXX collection agency names on it. " SYNERGETIC COMMUNICATION , Inc. " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " XXXXXXXX XXXX ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 was a victim of identity theft and I submitted police reports to all credit bureaus and the specific accounts was deleted off my report but it all showed back up. Reached out to the bureaus but still nothing. Hopefully yall can help me with this problem.

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 2022-09-28 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: GA

Complaint narrative:
XXXX sent responded saying they contacted XXXX XXXX  and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed 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 2022-09-28 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: GA

Complaint narrative:
XXXX sent responded saying they contacted XXXX XXXX  and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed 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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I tried to pay off an account currently charged off with Bank of America upon paying them off I was told they I can not be provided a letter only a confirmation number the letter has to be mailed which is absolutely unacceptable and I have never heard of such thing from a bank as well as they had no explanation of the amount that was due either

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX Equifax and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
XXXX, Experian XXXX and XXXX have not changed my XXXX XXXX. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.

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 2022-09-28 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: American First Finance, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting Act XXXX Account # XXXX American first finance violated my rights 15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section A 604 A section XXXX A Consumer reporting agency can not furnish a Account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ

Complaint narrative:
I paid for an appraisal and never received it. When I went to cancel the appraisal a couple days later link sent to us XX/XX/2021 XX/XX/XXXX I requested to cancel appraisal and switch lenders no further correspondence about this occurred until I reached out to the finance office other than trying to get me back on board with XXXX XXXX Taylor Morrison Home Funding , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX Here is my contact after I submitted payment XXXX XXXX Client Coordinator XXXX Taylor Morrison Home Funding XXXX XXXX | XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I spoke to someone at the office I believe his name was XXXX XXXX XXXX ) he called me back after I left a message since I could not reach anyone regarding where said appraisal was or refund he said they show no record of the appraisal being completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I received a letter with 2 collection agency names on it. " XXXX XXXX XXXX XXXX " and " CROWN ASSET MANAGEMENT , LLC '' showing a debt that I do not owe from " XXXX BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Resolve Partners, LLC
State: OH

Complaint narrative:
On XX/XX/2022 I sent a email and USPS certified letter to RESOLVE Partners in regards of the inaccurate information being furnished with their organization. I informed RESOLVE Partners in this email and USPS certified letter of each inaccurate account and how it was in-fact inaccurate. I received confirmation from RESOLVE Partners employee that my email and correspondence had been successfully received. After confirmation of the receipt of my correspondence from RESOLVE Partners, I discovered that RESOLVE Partners is still furnishing and distributing the inaccurate information that was verified as inaccurate on my consumer profile. I informed RESOLVE Partners again through email on XX/XX/2022, that the inaccurate information is still be furnished, and I have not received an response back. RESOLVE Partners is now in violation of 15 USC 1681sXXXX ( B ) : Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2022-09-28 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: NC

Complaint narrative:
I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 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 2022-09-28 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: MI

Complaint narrative:
Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 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 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter with XXXX collection agency names on it. " XXXX XXXX XXXX XXXX " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " SYNCHRONY BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me, luckily while vengeful it seems to be a very weak willed entity. Sticks and stone, toughen up. God bless ; - )

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 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
After reviewing my consumer reports I noticed Harvard Collections appearing negatively. It seems to be violating XXXX XXXX XXXX XXXX ( XXXX ) by using deceptive means to collect or attempt to collect a debt or to obtain information concerning myself. I dispute owing any monies to this debt collector and I am requesting a declaration signed stating that was is written is true. I also request copy of a judgment against me for this alleged obligation. 

Because Harvard Collections have failed to comply with many provisions of the FDCPA I may seek remedies owed under XXXX XXXX XXXX ( d ) in a federal complaint. In visiting the XXXX XXXX XXXX XXXX this seems to be common practice for Harvard Collections. I am communicating through the agency that enforces the FDCPA and protects consumers. 

You have damaged my reputation and have caused arguments with my significant other a month prior to our wedding over this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

Company response to consumer: Closed with explanation