vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My husband and I PCSd from XXXX to North Carolina in XX/XX/XXXX. We were both XXXX XXXX military at this point. I could not get a decent internet provider at our rental location so I called XXXX and asked if there internet was compatible with high speed streaming, playing video games etc. They said yes, so I proceeded with their service. Once we got service started up there was constant outages and very very slow speeds. I called and they told me I was on a plan that had a high speed data cap and after I used the high speed data we went to slower speeds. I was not aware of this when I signed the agreement and the internet was not compatible with video gaming as well. I called multiple times and after about XXXX months I decided to cancel service because my husband had got orders to skill bridge and we would be moving closer to my duty station. We moved shortly after and internet was provided through our rental agreement at our new location so we couldnt transfer our plan either. Sometime in the beginning of XXXX trueaccord, a debt collection agency, reached out stating I had a debt of {$480.00} and some change. I cant recall the exact number. I disputed the debt and never heard back. They are charging XXXX for not returning the equipment, and the rest is a charge for every month left on the contract. We have now PCSd to Florida and Resurgent, another debt collector, is now trying to collect on the debt. They reached out approximately in XXXX of XXXX. I have disputed it by sending proof of my husbands military orders, along with an XXXX XXXX memorandum for proof of my service and told them we are covered by XXXX and they will not dispute it. They constantly have issues finding my account. They argue with me saying XXXX only covers student loan interest rates. I have had someone from military legal reach out on my behalf and explain but now theyre saying they can not find any of the documentation I have sent in. I also returned the XXXX equipment through the box the equipment was sent to us in shortly after canceling service. Theyre requesting proof that we went it in but this has been two years ago so I dont have any type of documentation for that proof. I called XXXX months ago requesting my contract and they would not provide it to me. They sent me to viasat legal where they had an overall page of legal documents. I called again last week and after asking to speak to someone else they said they could send my contract to me in XXXX business days. I got my contract emailed to me XXXX business days later and have sent it to my lawyer for them to look over. I truly appreciate any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please read this statement and comply as it contains my full complaint and request : The discrepancies pertain to the following items : XXXX XXXX XXXXXXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b UNKNOWN : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from Experian and XXXX dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character.

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. 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 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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over the past 5 to 7 years, I've tried online to dispute information on my credit report from TransUnion online I have been unsuccessful. They denied me and blocked me. I called several times on for them to be rude to me. The error code is always the same denied access. They said I am blocked from accessing my credit report online and there is nothing they can do about it.

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Transunion, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ). 

Inquiry Information :

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 2023-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am blocked access to my account with no notice. When I try to login to my account they show a message to call XXXX XXXX XXXX XXXX XXXXXXXX that no one answers. Called that number at least 10 times in the last 45 days, it always goes to an automated attendant with no option to reach a human agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: DC

Complaint narrative:
I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$7200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} 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 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 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 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have both personal and business credit cards with American Express. 
I have called XXXX x to be able to apply for a line of business credit but as it was previously another company XXXX it will not allow me to apply as I did have a loan with XXXX years ago and paid it off. 
i called and talked to XXXX different people over and over and they try to help but it won't allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax violated the Fair Credit Reporting Act due to improper use of my Equifax credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Equifax credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Equifax failed to uphold the duty to remove both accounts from my Equifax credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX  ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Equifax held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Equifax credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Equifax credit report, due to both DEPT OF XXXX accounts that were opened in XXXX of XXXX antedating the Equifax credit report by over seven years. 

This complaint is an effort for Equifax to be compelled to remove all accounts that antedate seven years from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$250.00} Balance Updated XX/XX/XXXX this is affectting my score and has caused it to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of TransWorld Systems Inc reported to XXXX that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or Transworld Systems Inc. I have never received any notices from either company in regards to the matter. I have tried to contact Transoworld Systems Inc with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and Transworld Systems Inc ( ref report number XXXX ). On XXXX I spoke to representative from XXXX by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX  or Transworld Systems Inc for that information. 

I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
Unifund LLC, sent numerous letters to two of my previous addresses in an attempt to collect a debt. The addresses that where used at the time, were no longer my residence which did not allow me to know that they had purchased a debt and where attempting to collect on it. They without me knowing filed a citation to summon me to court in which my correct address was then used, and I was made aware of the issue. I was blind sided by this ordeal and had no other option but to go to court without representation due to only having 14 days to respond. While in court I was ordered to pay Unifund LLC, XXXX, because they stated they had reached out to me multiple times, in an attempt to collect said debt, but the truth of the matter is I was unaware that Unifund LLC, even existed much less I owed them money! In the reply to my first complaint a representative states that " I insinuated they had not served me a summons '', that is not what I referred to, instead I was referring to the fact I had not been informed of a debt they were trying to collect prior to them taking legal action. Without properly being informed I was unable to make any accommodations, review any of the alleged information, or even speak to Unifund LLC, about what was going on. Every letter they sent from Unifund LLC, has previous addresses on them which made it impossible to be aware of what was being alleged, or sought after. All the documents I reviewed from Unifund LLC, either has XXXX XXXX XXXX on it, or XXXX XXXX XXXX on it. Also in the provided documents it shows the " debt '' to be sold on XXXX which is just a little less than a year, that I had been living in my current residence, as I had moved there in XXXX of XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union and XXXX credit bureaus have been sent countless correspondence via phone and email regarding the inaccuracies on my credit report, yet they continue to report fraudulent accounts as opened. I have called both both credit bureaus and a couple of debt collection companies regarding these fraudulent accounts asking them for the usual verification, debriefing them about the accounts being open fraudulently, yet they continue to report them as open. I have issued these violators cease orders, yet they continued their attempt to collect. 

Below are a list of the companies in violation : Trans union : XXXX XXXX XXXX- {$130.00}, no verification of any kind of debt, cease and desist order, continues to inaccurately report fraudulent accounts. 

XXXX : XXXXXXXX XXXX XXXX XXXX- {$3300.00}, cease and desist notice, inaccurately reporting a fraudulent account. 

XXXX XXXX XXXX XXXX {$1400.00}, cease and desist notice, inaccurately reporting a fraudulent account.

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 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortgages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
I submitted my dispute on XX/XX/2023, to Experian. However, the credit bureau said they had completed their investigation, and everything was verified as 100 % accurate. 
According to the law 15 U.S. Code section 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I respectfully request for Experian to detail who they talk to.

Additionally, how did the Experian investigator complete this investigation?

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 2023-09-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX  XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions

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