vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. EQUIFAX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON EQUIFAX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently got a copy of the credit report from annual credit and noticed a fraudulent account reporting on my credit file. I contacted LVNV and told them that this account is not mine, and they still haven't fixed the problem. I will be taking this to litigation and requesting monetary compensation because this has caused me stress and anxiety from all the threatening letters received from LVNV. This account is still reporting on my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
SEQUIUM ASSET SOLUTION account number XXXX has reported to Credit Bureaus a debt in the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  as it states on my credit report, I did not receive any initial communication from Sequium Asset Solution, I do not know nor have any business with Sequium Asset Solution, Sequium Asset Solution failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Someone rented an apartment on XXXX. Apparently someone signed the lease virtually without my consent. I do not know who started this lease. The person who used my name was evicted before the lease expired. A debt collection is reporting the money owed on my credit report. The company is Rent Debt Automated Collections LLC. The amount they are reporting is {$5300.00}. I have told them this is identity theft but they won't remove it. The debt collector sent me a copy of the lease which has my name but it's not my signature. It says the date signed is XXXX. The paper the debt collector mailed to me says the creditor is XXXX XXXX XXXX. The mailing address of Rent debt Automated Collections is XXXX XXXX XXXX XXXX XXXX XXXX The main address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Their phone number is XXXX. 
I was able to get XXXX XXXX to remove it but the debt is still showing on the major credit reporting company 's. The signature on the lease is obviously computer generated. I need this off my credit. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: WV

Complaint narrative:
REFERENCE XXXX I TALKED TO THEM AND THEY HUNG UP THE CALL I DO NOT OWE THIS OR KNOW WHAT THIS IS FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In 2018 i tried to open a bank account with XXXX  XXXX XXXX XXXX which was denied and i was asked to go to a branch with 2 forms of id. I went to a branch with id and account was opened.I am a current memeber of XXXX  XXXX XXXX. When trying to open other bank accounts i kept being denied. I got a copy of my chexsystems report which says i have a account closed for fraudulent activty. I contact XXXX  XXXX XXXX several times with no reason why the account shows closed for fraud. i have contacted and disputed with chexsystems to no avail.XXXX  XXXX  XXXX cant tell me anything and niether can chexsystems mean while the only one to suffer is the consumer.They do not verify information properly and there is no way for the company that reported the item and the agency reporting to even verify. Then they ping pong you back and forth.

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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I receive daily text messages from True Accord advising that a debt is owed by me. To date, no communication or validation of the debt has been received. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I'v already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX SELFREPORTED Account Number : 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

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 2023-05-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX WITH ACCT NUMBER : XXXX  OPENED IN XXXX  FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX  OPENED IN XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM 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 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX is a newly formed, woman led, single owner handicraft business importing handmade decor items from XXXX to share in US market. 
We transferred payment to our vendor as below Inquiry Number : XXXX Submitted On Date : XX/XX/2023 Recipient Name : XXXX Amount : XXXX Currency XXXX The recipient bank has confirmed that they have not received the money and JP Morgan Chase is saying that their transaction is complete and they can not help anymore. 

The money was debited from my business account immediately and there is no trace of the money for last 3 months. 

I am a XXXX survivor and this is a huge sum of money which is causing a financial stress on me and my family. 
Any advise would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not give consent for XXXX, TransUnion, XXXX, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).

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 2023-05-31 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: FL

Complaint narrative:
I did not give consent for XXXX, XXXX, Equifax, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX WITH ACCT NUMBER : XXXX  OPENED IN XX/XX/XXXX FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX  OPENED IN XX/XX/XXXX FOR {$120.00} ON TRANSUNION THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM TRANSUNION : 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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a customer for Citi bank and I transfer some money into my XXXX XXXX The next day I wake up tried to used my Citi bank card it says it declined I spend the whole day calling them to verify my account they keep telling me they cant verify it I went to the bank in person they told me they cant do that inside the branch I have to called When I keep on calling them they keep telling me they will send me a code which I never receive its been 5 months since they blocked my account with my money in it and whenever I called they said they cant verify my account this is not fair

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 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: OR

Complaint narrative:
I had a loan with MoneyLion, I had forgotten about it. The company continues to withdraw a {$19.00} fee monthly and does not apply it to the loan and says I can not unsubscribe or close the account until the loan is paid. So my account monthly sees a withdraw of XXXX and I can not stop this because the loan is not paid. This has been going on for the last 3 years and during times when I was unemployed and had no means to pay.

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 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
TD BANK USA/TARGETCRED {$1100.00} I had a person from the county of XXXX in Michigan come to my door and serve me with paper on a debt I found out that I did not owe. I ended up paying the amount. However, it is still on my credit report. This account is settled and needs to be removed now. 

I reported this debit as fraudulent and it is still on my credit because they are using the payoff as a form of validity. Which, I think is wrong and spiteful. This was also in the wake of my finding out I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I signed up for credit protection, a agent told me I can either fill out the forms mailed to me or email documentation I'm off work. So I emailed documentation stating I'm on XXXX, yesterday the agent said the email was not recieved. I emailed the documentation 5x again yesterday and again today. I took a screen show of the successful email Sent today for my claims foXXXX XXXX XXXX XXXX. I'm also attaching the doctor 's note... I. asking the company to rwapond directly to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my lexus nexus credit report. After contacting Experian, XXXX, and XXXX it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.

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 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I am a victim of a scam. In XXXX of XXXX, A woman claiming needing help. She provided authentic documents had me send two wires from Citizens bank. One was for XXXX and XXXX. A couple of weeks later, Citizen bank fraud Dept called me and I verified this was fraud. I had filed a report with XXXX Police in RI. 

In XXXX, the same woman contacted me and said her agent to help her get out of trouble needed money. She said, a phony name of XXXX XXXX, said a client managed to get funds and transfer money to my account. I gave her the information of my account and two notifications of approx XXXX came through. She also had my user and password which she conned me into. I did a check in XXXX of this year to a person in NJ she said was a person to help. The money was deposited in my account and I did a check. On Friday XX/XX/2023 my checking account was frozen for Fraud. I went to the bank on XXXX XXXX in XXXX XXXX RI every day to see what was happening. I was told that my accounts were froze. I have a XXXX credit line. I was concerned about this. Every day from XX/XX/XXXX to XX/XX/2023 the balance was around XXXX. On XX/XX/XXXX, the balance jumped to XXXX The bank manager had said my accounts were frozen due to XXXXraud Why was my HELOC on frozen since the money went in there. 
I had an attorney involved but with no luck. 
The XXXX of the XXXX would not honor my claim. I told her I called XXXX XXXX at the Citizens Fraud Dept about why the HELOC account was not frozen during my checking account was. XXXX told me she had limited visibility and did not communicate anything to the HELOC Dept. 

I called the FBI office in XXXX today, XX/XX/2023 and talked to Special Agent XXXX XXXX. XXXX XXXX XXXX told me the bank should of noticed something was wrong in XXXX and XXXX. 

The FBI office in XXXX is working with the XXXX Police in RI as of today. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I get calls from this company every couple years stating a repo debt unpaid. Last thing received from this company was XXXX. They call my work and several family members threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on cell phone along with calling family members on XXXX around XXXX XXXX  gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social security number to the courts. I spoke with attorney that stated there is a statue of limitations and they are a scam. Nothing has been filed. They called me at work this morning threating me calling me by a combination of my maiden and married last name which made no sense and stated good luck in court. Todays person was named XXXX XXXX and said he will serve me at work and home. They will not stop even telling them not to contact me or family and to contact my attorney. Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I purchased a vehicle through capital one navigator with their preferred dealer World Wide XXXX. The dealer engaged in fraud during the transaction. I was sold an extended warranty. The extended warranty was started while my original factory warranty was running. I contacted Capital One Auto Finance on several occasions without resolution. Capital One dealer risk team is stating that they can not verify when that the extended warranty ran concurrent with the extended warranty but I offered capital one proof but they refused to look at it. They also have proof in their position. I would like a refund for the warranty plus any interest accrued for that amount. This dealer has committed these acts in the past. I was told that I had to sign for the product when I purchased the vehicle and that it was an extended warranty that would start when my factory warranty expired. If they look at the contract and look at the vehicle mileage and year they would be able to determine when the factory warranty was in effect. Capital One refused to provide this information in writing even though I sent in a written complaint to XXXX in the presidents office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX, Account Number : XXXX ), Has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 account without my written consent.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direction violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation