vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: CA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: CA

Complaint narrative:
I filed a identity theft dispute and submitted the paperwork to the credit reporting agencies. They have not attached these documents to the dispute and have not sent me copies of the verification process. The dispute process is not being followed correctly per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: CA

Complaint narrative:
I filed a identity theft dispute and submitted the paperwork to the credit reporting agencies. They have not attached these documents to the dispute and have not sent me copies of the verification process. The dispute process is not being followed correctly per the FCRA. 

These are the accounts : 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 2023-08-31 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: NY

Complaint narrative:
Consumer Reporting Agency : XXXX is furnishing inaccurate information that violates my consumer rights under the FCRA. See Violation of FCRA below : Account Name : XXXX XXXX XXXX, Account Number : XXXX .... 
Original Creditor : XXXX XXXX  XXXX Late Payment : 30 days ( XX/XX/2018 ) - Violates FCRA 15 U.S.C 1681-S ( 2 ) ( 7 ) ( A ) ( I ) because financial institution did not provide a notice of such furnishing of " negative information '', in writing, to the customer 30 days prior or after the furnishing of " Negative Information '' on my consumer report. This is a clear violation of the FAIR CREDIT REPORTING ACT. The " Willful Noncompliance '' of XXXX has caused me damages to my character, capacity and reputation.

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 2023-08-31 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: NY

Complaint narrative:
Consumer Reporting Agency : Experian is furnishing inaccurate information that violates my consumer rights under the FCRA. See Violation of FCRA below : Account Name : XXXX XXXX XXXX, Account Number : XXXX .... 
Original Creditor : XXXX XXXX XXXXXXXX Late Payment : 30 days ( XX/XX/2018 ) - Violates FCRA 15 U.S.C 1681-S ( 2 ) ( 7 ) ( A ) ( I ) because financial institution did not provide a notice of such furnishing of " negative information '', in writing, to the customer 30 days prior or after the furnishing of " Negative Information '' on my consumer report. This is a clear violation of the FAIR CREDIT REPORTING ACT. The " Willful Noncompliance '' of Experian has caused me damages to my character, capacity and reputation.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I booked a two bedroom apartment for one night through XXXX with XXXX adult and XXXX child ( XXXX XXXX XXXX ). I have a confirmation email confirming the reservation with the statement at the bottom of the email stating This property considers guests aged XXXX and under, at time of travel, to be children. PLEASE SEE THIS STATMENT ON PAGE XXXX, under " Guest charges and accommodation capacity '' of the " XXXX XXXX XXXX  '' Apartment manager called us the day before our reservation, accused us of lying by saying that our XXXX is a child, and refused to allow us to stay in the room. In a chat with XXXX they also said we lied, even though i have the confirmation FROM THEM that we didn't lie, and that a XXXXyo is considered a " child. '' I disputed the charge with my CitiBank credit card. They are refusing to credit me the {$590.00} even though we paid for the room for XXXX people, were not allowed to stay in the room, and were refused a refund, see " XXXX XXXX XXXX XXXX  ''. CitiBank will not refund the money unless XXXX agrees to give a credit slip. The entire reason I am disputing the charge is XXXX wouldn't give me the product AND refused to give me a credit for 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 explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
FAIR COLLECTIONS & XXXX Has been calling me non stop anytime any hour with treats. And harassing me! 
I do not own them anything never sign a contract with them. They reported me to all credit bureau without my consent on false accusations

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 2023-08-31 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: CA

Complaint narrative:
I filed a identity theft dispute and submitted the paperwork to the credit reporting agencies. They have not attached these documents to the dispute and have not sent me copies of the verification process. The dispute process is not being followed correctly per the FCRA. 

These are the accounts : 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 2023-08-31 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

4

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 2023-08-31 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: OH

Complaint narrative:
this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX . # XXXX {$150.00} -XXXX XXXX XXXX # XXXX {$5300.00}

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 2023-08-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, XXXX, XXXX, XXXX : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}

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 2023-08-31 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: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I lost my job on XXXX XXXX contined to struggle and pay my car note until XX/XX/2020. At that time the car was in operable for from XX/XX/2020 to XXXX 2020 months because of a transmission issue. I was unemployed at the time because of XXXX and i was pregnant at the time.So on XX/XX/XXXX XXXX .I called the finace compay XXXX XXXX and let them know i was unable to keep the payment up and i advise them to come and pick up the vehicle at the time I did not have any other transportation.They came and got the vehicle and i made sure the vehicle was cleaned out and in the best condition possible but with minor wear and tear as possible.They sold the vehicle in auction and that all i heard. Until crown managament assets started harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  15 USC 1681 Section 602 states that I have the rights to privacy. 

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-08-31 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: CA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: GA

Complaint narrative:
The branch manager assured me that they can only refund the fraud amount that was taken from my account for only 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S
State: ID

Complaint narrative:
Why this happened is they were being unreasonable with interest rates and payments during XXXX it kept going up and up then they lowered it a little and not enough and I just gave up. The amount is not correct and amount on the card was all for medical/dental charges not shopping sprees and garbage. 
XXXX was charged off and reported on credit report which indicates that they wrote it off the books and took a credit on taxes so they have re-couped their funds. 
Recently, in XXXX XXXX XXXX I had requested copies of statements that I was missing for tax purposes and could no longer access due to the account being closed. I requested these by letter to their Customer Service Dept 3 times by USPS mail with the last request being on XX/XX/ I would be forced to estimate the charges. 
I received a shady looking letter from a law firm in XXXX, WA that was signed by someone, attorney at law with no attorney reg/license number. Along with the letter was sent to me statements that I did NOT ask for and NOT the ones I did ask for. 
This letter stated " XXXX XXXX IS THE CURRENT CREDITOR AND ORIGNINAL CREDITOR '' which is not true. They charged it off and sold it to how many entities is not known along with my personal information! Which is " Identity Theft ''. 
My personal bank account was recently compromised in XXXX XXXX with two transactions totaling {$650.00} with online orders at XXXX and 4 overdraft fees of {$35.00} each for which I was only reimbursed for 1 and threatened by the bank that they may not reimburse me for the fraud. I closed my account and went elsewhere and did let people know how the bank treated me. 
Now, I find out that someone is trying to serve me legal documents. They trespassed on property that clearly has large signs at the entry and half way through that says " NO TRESPASSING '' and stuck a sticky note on my landlord 's door with a message to contact them. 
My landlord is now freaked out because they ignored the " NO TRESPASSING '' sign. Their next stop may be at my employment and a phone number and my name at the bottom which does not indicate what company they are representing and suspiciously looks like the same handwriting on the address label of the envelope that the law firm sent me the erroneous statements that I DID NOT ASK FOR which proves nothing. 
I did some research on the phone number that was provided on the sticky note and did a background search on the person. If all is true, they don't have a legal standing serving legal documents and their business name " GPS SERVICES '' does not exist. 
This is all looking like a scam and identity theft to me. 
Clear violations of privacy. And I want that debt removed from my credit report since they have already been paid more than once.

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 2023-08-31 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

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 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 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 2023-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

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 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 explanation
Consumer complaint received 2023-08-31 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: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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