vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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:
The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection, charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: HI

Complaint narrative:
On XXXX, I sent an email to Lexis Nexis stating, I XXXX XXXX XXXX XXXX DOB XX/XX/XXXX, share the same name as my father, XXXX XXXX XXXX DOB XXXX 
I am disputing any policies, and claims with policies on my Lexis Nexis XXXX  REPORT that are being shared with anyone other than XXXX XXXX since XXXX. We have only had insurance through XXXX  and XXXX since XXXX. 
My father is showing up on my XXXX  report. XXXX XXXX has mistakenly reported that I have been a policyholder. I have not held any policies with XXXX XXXX  since XXXX. 
Since XXXX, I have only been a policy holder with XXXX XXXX XXXX with XXXX  and XXXX. I have not shared State Farm policies with my mother XXXX XXXX XXXX, sister XXXX XXXX, brother XXXX XXXX XXXX or cousin XXXX XXXX XXXX 
I am available anytime at XXXX Reach out to me by phone or email. I am willing to provide whatever you all need from me to correct this as soon as possible. 

On XXXX, I submitted my dispute by email and included a copy of my clue report with highlights of my disputed items, an itemized list of my disputes, supplemental insurance and identification information. The reason I sent an email first is because of difficulty I had with their online tool to submit documents does not work hardly at all. I continued to attempt to send it though their online tool using multiple computers and browsers and after 2 days of attempts through multiple computers and browsers, I was able to submit it. 

After hearing nothing by email for phone, I reached out today XXXX  by phone asking for any updates. It has been more than 30 days since my first email to them asking for resolution and 2 weeks since I submitted my dispute by their online tool. I was told they didn't have anything about my claim and asked for supplemental information which i was again unable to send by their online tool and submitted to their email. 

I have talked to XXXX XXXX  and they have corrected their reporting to Lexis Nexis but there are several other problems with my XXXX  report I need corrected ASAP so i can get auto insurance again. 

I still feel like nothing has been accomplished with Lexis Nexis. They have given me two case number. Previous case number is XXXX  and new case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Debt appears on my report. 
I am not familiar with this debt. 
This account states that it was opened in XXXX of last year but I have not opened an account with this organization.

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 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recieved a credit card with a {$600.00} credit limit through the mail early XXXX. A week later I noticed in my credit report that I had a balance of {$29.00} dollars. I called the company ( Kohls ) and stated that I have never opened an account there, nor do I shop at any of their stores. Apparently the account was opened in a mall in Connecticut. I told them that I dont live in Connecticut and never visited that state. The bill statement they sent out shows my middle name and last name. I never use my middle name to open credit accounts. The CC shows my middle name and last name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I have been trying to get help from Sallie Mae regarding my loans for over a year now. I have called multiple times explaining to them that I can not afford the XXXX payment they have requested. I only make XXXX a month and I work XXXX XXXX. I have been doing everything in my power to make these payments but I can not anymore. I dont have the money or the capacity to make the payments. They are taking so much money from me that I am going to be homeless soon because I cant afford to pay rent. I dont have the option of moving home and i dont have anyone to help me. My father passed away while I was in college and my mother doesnt make enough money to help me either. The only option they gave me was to let me loans go delinquent and then the collections department would call me but they have made it very clear that even if they call me there is still nothing they can do. So my loans will be delinquent and ill have no way to repay them. I have been calling trying to speak to a hirer up but they wont let me. How am I going to pay Sallie mae when im homeless and lose my job because of it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TX

Complaint narrative:
We noticed a new inquire on our Transunion credit report by XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. We contacted a customer service person from there credit card investigations team to investigate the issue as fraud because I did not submit an application for an online consumer loan. This was done during the same time periods as XXXX and XXXX in which are both under review currently as well. The XXXX person over the phone advised me to submit an online Declaration of forgery form, which we did and nothing happened. No one ever contacted us back or sent us a follow up email/confirmation of the submission. I called in on XX/XX/XXXX for a follow up and no one had any record of my submission and advised I submit a new declaration which we did. We followed up on the XXXX and XXXX replied by saying the information submitted was true and no further action was needed. I believe this submission to be a case to be fraud and believe the incident was handled poorly by XXXX and am requesting XXXX to remove the falsely reported loan inquire/information from my credit report. 

Thank you Warmest Regards. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
My reports continue to lie to a collection agency that collects a debt that does not belong to me regarding XXXX XXXX, to date I have not received the requested documentation on the validation of the debt and my requests to the credit agencies for investigation and correction have been ignored maintaining debt that affects my ability to acquire new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My mortgage was purchased by XXXX XXXXXXXX at the end of XXXX. In XX/XX/XXXX I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with XXXX XXXX to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed XXXX XXXXl that I was not made aware of this change and would have adjusted my payments if I had. XXXX said that I would be able to see this from my portal. I let XXXX XXXX know that I never could get access into the portal and XXXX XXXX said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now XXXX XXXX customers. We eventually got portal access and then attempted to get setup with automated recurring payments through XXXX XXXX now to avoid issues with payments increasing in the future. In XX/XX/XXXX I reached out to XXXX XXXX to get the credit deletion letter since my credit has been effected by XXXX XXXX  errors. I also reached out directly to Trans Union to file a dispute to repair my credit. XXXX XXXX denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with XXXX XXXX to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to XXXX XXXX each month this year. I have spoken to XXXX XXXX supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each XXXX XXXX Supervisor I never hear back from the same person again. I had my most recent call on XX/XX/XXXX and demanded that I speak with a XXXX XXXX employee that is above the Supervisors I have spoken with, XXXX is the XXXX that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through XXXX XXXX to stick, and for my credit to be repaired. This has frozen my HELOC with XXXX Fed and caused me to spend hours during work hours. The current issue with XXXX XXXX is task # 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 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They have been calling several times a week since XXXX  with different caller ids. Not sure if they even own this debt. Never sent proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
I contacted the Blackhawk Network company regarding a {$200.00} Visa gift card that I purchased. 

The company an be contacted at XXXX XXXX XXXX, XXXX XXXX, XXXX NV XXXX. 

I attempted to use the card and was told that it had been drained, and has no value. 

The card was purchased thru the mail, and and has not left my home or possession. I assume that the card information was as a result on a fraud on the Blackhawk Network. 

I informed the company of this and they have not responded, after 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXXXXXX  I was investigating an XXXX video charge on my XXXX XXXX account. I XXXX  the phone number for XXXX on the internet. When I called, I was transferred to what I thought was XXXX  fraudulent department. The perpetrator was cunning and forceful making me believe there were pending charges on my account, and they had been trying to reach me. He had me download software on my phone and told me I shouldnt use my computer because of fraud attempts on my account. Unbeknownst to me, it was software that he was able to see everything I was doing on my phone. He then had me transfer {$3200.00} to a family member in my CashApp  account, then told me to request that they send it back to me. I did as he requested. He transferred the money that was sent back to my Cashapp  account to his account. 
When I realized something was wrong, I notified my bank to freeze my account. By than the perpetrator tried unsuccessfully to withdraw money directly from my bank account via XXXX. 

My identity was compromised ( social security, address, name ). 

Cashapp  provided the perpetrators bank, time of transaction, and amount, and last 4 digits of account number after many chats. They suggested I do research. I did the research by contacting the bank with all the necessary information for them to identify the perpetrator. The perpetrators bank was very cooperative. They took all of the necessary steps regarding fraud intervention. They froze the perpetrators account and said they will refund the money into my Cashapp account. They need a letter of indemnity from Cashapp to refund my money.

I dont have the perpetrators information because of privacy.

I have written Cashapp numerous times via their chat system and they send me the same automated response that my claim is denied because of Cash Out status. Cashapp is not responding to my request to escalate my claim to the fraudulent or legal department, regarding the requirements from the perpetrators bank, to have my money returned to me. 

On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX Cashapp  provided information of transaction to perpetrators bank account. 
On XXXX spoke to perpetrators bank regarding claim. 
On XXXX spoke to perpetrators bank regarding letter of indemnity. 
On XXXX notified Cashapp regarding requirement of indemnity letter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: MO

Complaint narrative:
on XX/XX/25 at XXXX XXXX XXXXXXXX, Superlatives RM called my father and requested my phone number. That is solicitation and harassment. They are attacking my family members for a debt I do not owe. XXXX XXXX XXXX has not proven I owed a debt to them. They tried sending a person to an address I do not live at. Now they are trying to find out where my parents live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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