vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 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:
I requested that a bankruptcy that was reporting on my credit report with only TransUnion be validated. The sent back information it was validated with the US Bankruptcy Court. I supplied a letter from the courts verifying they did not furnish the information to and credit bureau. I then sent another letter asking for it to be removed immediately, their reply stated it was verified. Considering this, I am hereby invoking my rights under FCRA 611 ( a ) ( 7 ) to request a comprehensive description of all the methods employed to verify the collection account being reported to your bureau. I am eager to understand how your investigators were able to validate and verify this account as accurate, especially considering that the collection agency failed to provide validating documents within the 30-day period mandated by the FDCPA.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a second dispute with the CFPB on XX/XX/2023 and the investigation was returned back with the same information on the credit file. It is very clear that no investigation was completed and they are willfully disregarding the law. I have attached the information for further review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: CA

Complaint narrative:
To whom this may concern, I noticed Experian XXXX  fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate accounts are as follows ; XXXX XXXX, Account # XXXX Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURTS! 

Consumer violation this account is XXXX  cancelled debt.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXXXXXX XXXX  XXXX XXXX  multiple times to dispute these incorrect accounts. I have also disputed them via the 3 credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: UT

Complaint narrative:
I filed a previous complaint because the company refuses to update my information to the correct pay dates and I was getting charged over draft fees. I filed a complaint before and they never got back to me or responded to me but seem to have taken down some info? They just credited my account for the overdraft fees and I received no other correspondence or information. I attempted telling them the correct days to pull out of my account to which they disregarded again. I am now being charged additional overdraft fees and they are charging a full day earlier than what they claim in the app. This is the second time I have been willfully mislead by this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, since XX/XX/2023, I have been fighting XXXX because someone using Identity fraud was able to obtain a loan. XXXX XXXX  has XXXX XXXX DISPUTES on TRANSUNION and XXXX here CFPB but since XXXX pays transunion for advertisement. They have added the Identity theft report after I won 4 times just on transunion. I also won on all the other bureas which is why they are not listed there. 

I attempted to go back to the disputes I won and have found that transunion has changed the past. How? well they edit there previous dispute defeats to say something else. Which means they have access to the CFPB database but good thing for the internet someone always saves. I have screenshots of what was mention before ( an apology ) to what is mention now on all XXXX disputes. You guys are breaking laws left and right. keep on doing it. This will lead toa even bigger case against transunion. Good job idiots. I will not be posting those edits until i am ready to sue. We will keep these documents secure for now. Hopefully you recall what you said and can go change them all back before the case if not I will see you in claims court. Thanks for the money ahead of time. Make my life worst for something I had no control over. Piece of XXXX since there actions have lead me to lose my XXXX XXXX XXXX at all bureaus and they know its against the law. 

Even wallet hub managed to notice which i will post that image. You are not doing a good cover up job. My phone number was ported out and my system was hacked which i have proof and backed up by my bank that other IP address was accessing my account during the time of XXXX. I myself had XXXX USD stolen. which I have proof of. Do your self a favor before I sue for millions and stop breaking the law. By re-adding Identity theft on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX phone numbers cont : XXXX, XXXX Fraudulent Inquiries cont : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX, Resident Verify XX/XX/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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX phone numbers cont : XXXX, XXXX Fraudulent Inquiries cont : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, XXXX XXXXXXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX, Resident Verify XX/XX/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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX XXXX, XXXX XXXX  multiple times to dispute these incorrect accounts. I have also disputed them via the XXXX credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes 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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX XXXX XXXX XXXX multiple times to dispute these incorrect accounts. I have also disputed them via the XXXX credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes 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
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX ACCT # XXXX This account is reporting inaccurate information on my credit report. I have attached supporting documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX ACCT # XXXX This account is reporting inaccurate information on my credit report. I have attached supporting documents below.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
GRAIN TECHNOLOGY INC XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
GRAIN TECHNOLOGY INC has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful.

I demand this account be deleted from my consumer report due the adverse effect on my reputation.

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2023 a transfer was done out of my hold account and money was put in the daily checking.I did not do this transaction and the bank never gave me a fraud call. Some pretending to be me called PNC accomplished the transfer. I noticed my account was XXXX and something and the local branch office in XXXX XXXX told me several times that this money was flagged and got transferred right back to my hold account. 
I knew there was an error because of the negative balance.I brought this to the attention of the XXXX XXXX XXXX XXXX XXXXk. I was called by. XXXX and he confit that the money went right out of my account. It never returned. I made a police report to XXXX XXXX XXXX in Washington PA where I believe the theft or fraud occurred. I was telephoned by XXXX again and told her that they needed evidence to convict. She told me to request that the XXXX do a PNC bank supeona so that he can add evidence to his report. She gave me the following address to send it : XXXX XXXX XXXX XXXX. 
Important Next line- XXXX, XXXX, OH XXXX XXXX I reached out to the XXXX via telephone was yesterday, XXXX XXXX, XXXX. His name is XXXX XXXX XXXX XXXX @ XXXX. The report was taken approximately a month ago. Report no. XXXX. XXXX. I did not get a response. I will follow up with XXXX email asking to XXXX PNC, per XXXX. 
So I know the person that did this and I want either the bank to fix this for lying to me, or/and have the woman federal charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo on XX/XX/XXXX XXXX XXXX XXXX to file fraud because my credit card was lost and unauthorized charges were made. Wells Fargo was able to provide me credit adjustments. However, they did not provide me all the credit adjustments needed. I used my credit card from XX/XX/2023 up until now with the balance of {$1300.00}. My credit card balance is showing {$3000.00} as of now XX/XX/2023.

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 monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account is reporting inaccurate information and i would like to get it removed. Please view documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, since XX/XX/2023, I have been fighting XXXX because someone using Identity fraud was able to obtain a loan. XXXX BANK has XXXX XXXX DISPUTES on TRANSUNION and XXXX here CFPB but since XXXX pays transunion for advertisement. They have added the Identity theft report after I won 4 times just on transunion. I also won on all the other bureas which is why they are not listed there. 

I attempted to go back to the disputes I won and have found that transunion has changed the past. How? well they edit there previous dispute defeats to say something else. Which means they have access to the CFPB database but good thing for the internet someone always saves. I have screenshots of what was mention before ( an apology ) to what is mention now on all XXXX disputes. You guys are breaking laws left and right. keep on doing it. This will lead toa even bigger case against transunion. Good job idiots. I will not be posting those edits until i am ready to sue. We will keep these documents secure for now. Hopefully you recall what you said and can go change them all back before the case if not I will see you in claims court. Thanks for the money ahead of time. Make my life worst for something I had no control over. Piece of XXXX since there actions have lead me to lose my XXXX XXXX XXXX at all bureaus and they know its against the law. 

Even wallet hub managed to notice which i will post that image. You are not doing a good cover up job. My phone number was ported out and my system was hacked which i have proof and backed up by my bank that other IP address was accessing my account during the time of XXXX. I myself had XXXX USD stolen. which I have proof of. Do your self a favor before I sue for millions and stop breaking the law. By re-adding Identity theft on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: U.S. BANCORP
State: FL

Complaint narrative:
XXXX a victim of identity theft

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax do not investigate my inquiries or my disputes.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: CA

Complaint narrative:
To whom this may concern, I noticed Experian XXXX fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate accounts are as follows ; Account # XXXX XXXX XXXX XXXX XXXX. Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURTS! 

XXXX. Account shows XXXX late payments

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 2023-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have reached out to RESURGENT/LVNV FUNDING in regards to inaccuracies on my credit report XXXX this is the account number provided. I have received no response to my request for original information from the creditor themselves, also all account information including payment information and wet signature used to establish this account. I have explained to the company I have been a victim of identity theft and they have not taken the proper action. I would like this item removed from my credit report.

Company response to consumer: Closed with explanation