vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account numberXXXX  Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number: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 2024-06-07 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: ND

Complaint narrative:
I was a victim of identity theft, my information was stolen and used to open a credit card during a time I was incarcerated in prison. I became aware that I was in fact a victim of identity theft after checking my credit report last year, I filed an official complaint and identity theft report with the Federal Trade Commission and placed fraud alerts through all three credit bureaus, I also called the companies that the fraud occurred at telling them what had happened and providing them proof that I was incarcerated during a time when the accounts were opened, and sending them copies of my FTC report in hopes that I could begin to repair my credit. I was successful with removing all fraudulent accounts EXCEPT for Resurgent Receivables LLC. I sent them certified mail several times providing them with evidence that the account did not belong to me and asked them to stop reporting the fraudulent account to the credit bureaus and to remove it from my credit report, but it has continued to tarnish my credit score and remain on my credit report. 

Then just a few months ago I received a " Summons and Complaint '' from a company called XXXX XXXX XXXX XXXX XXXX XXXX representing Resurgent Receivables LLC, I contacted them and spoke to someone who asked me to fax all supporting documents to them in which I did but every time I tried to fax to the number they gave me it would not deliver so I called back again to explain to them the issues I was having but it continued to go to voicemail. I never got a call back and still continue to get a voicemail every time I try calling so than I decided to mail them everything I was trying to fax and I have proof of mailing it to them because it was certified mail. It's been almost a month now since sending them certified mail and I have yet to get a call from anyone and still continue to get voicemail every time I call. I have done everything and anything possible to get this removed and just don't know what to do at this point. I'm extremely upset and frustrated that this is still a battle to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-07 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: TX

Complaint narrative:
I've recently received a copy of my credit report and seen multiple inaccuarcies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my credit health and 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 2024-06-07 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-06-07 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: CT

Complaint narrative:
XXXX XXXX Account Number- XXXX XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX 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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXXXXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
Over 90 days ago I sent letters to TransUnion, XXXX, XXXX asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : 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 2024-06-07 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: GA

Complaint narrative:
Over 90 days ago I sent letters to XXXX, Equifax, XXXX asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) and on XXXX its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
On XXXX XXXX I talked to XXXX XXXX at XXXX from XXXX Debt Recovery LLC DBA Genesis, collection agency representing XXXX XXXX XXXX regarding my liability on the amount owed in the account should be half of it ( {$5200.00} plus interest ) instead of the whole amount ( {$10000.00} plus interest ) since the lease contract was on my name along with my roommate, both being legally financial responsible ( see court documentation attached ). 
I filed a dispute with the credit bureau on the same day and their response were : verified information is accurate and balance reported is correctly ( see attachments ) I would like for this amount to be corrected on my credit report since legally Im financial responsible for half only. Thank you very much for your help with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-07 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I do not want those hard inquiries on my credit 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 explanation
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2024 I deposited a check of {$1000.00} into my Capital One Checkings Account. After depositing the check I received an email stating that the check was successfully deposited and that I could destroy my check meaning it was able to be spent at that point in time. Assuming that the checks were valid and I could spend them, I went ahead and spent it. I then deposited another check for the same amount the next day into my Savings Account and it also was deposited successfully as stated in an email sent from Capital One. XX/XX/2024, the day after the check was fully available I received an email from Capital One saying that my account was in the negatives. When I logged in the view my account I was prompted to call Capital One for further information. When I called I was informed that the checks I deposited reversed after successfully being deposited in my account which put my account in the negative 's. Unfortunately, I ended up finding out the person who issued the checks to me scammed me. After acknowledging that my account was negative {$890.00} I then proceeded to ask what the next steps were. I was informed by the representative that my account would be closed and that the negative balance would be withdrawn from my savings account which had {$1600.00} in it prior to the negative balance being deducted from it. Leaving me with {$720.00} in my savings account after the negative balance was taken from it. My last paycheck of XXXX from my job ended up going to the closed Checkings Account ( I was emailed by Capital One on XX/XX/2024 stating that my account was closed ) That check was moved to my Savings Account by Capital One which then made my savings account balance {$1300.00} because my check was {$600.00} Currently there is {$1300.00} remaining in my savings account but I am unable to withdraw my funds due to my account being under investigation. It has now been 2 months ( Today is XXXX, XXXX XXXX ) and I have yet to recieve the check I was told would be issued to the address linked to my account. I havent gotten any updates whatsoever and this financial institution never has answers to my questions when I call. Everytime I call Im given the same response, there is no time frame on when you will recieve your check. However, Capital One didnt waste anytime collecting the money I owed them. Ive already paid the negative balance off and they still havent sent me my money. This process has been very frustrating for me and filing a complaint was my last resort. I hope that this can be resolved because Ive had plenty of patience up until now. I feel that this process should have been handled completely different and I also feel as though Capital One could have communicated better with me as a customer. I feel as though my time has been played with and this institution has not taken my case serious at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America put on hold on my deceased father 's checking account on XX/XX/year> with no communication on why. XX/XX/XXXX I find letters from Bank of America XXXX XXXX in my Father 's mail box regarding the hold on his account. On XX/XX/XXXX I faxed them all the documents they wanted. It is now XX/XX/year> and I haven't heard a thing. I call their XXXX XXXX and they rudely tell me I completed the forms incorrectly. No where does it state that I have to get my signature notarized after 40 days from date of death. Yet that's what they claim I needed to have done but no where does it say that. You are just supposed to know.Then they sent the forms and correspondence describing problem to my wrong mailing address even though I gave them the correct address on the original forms. It took them 13 days to even look at the forms I sent over XXXX on the XXXX. They will not email new forms. Now the burden is on me to run around trying to get new forms and a new notary. It seems they just want to hold onto to funds that do not belong to them. They have horrible customer service, poor or nonexistent communication skills and are the worst Bank that has ever existed in the United States.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First incident I called in XX/XX/year> or XXXX regarding an unauthorized charge to a merchant in XXXX for over {$200.00} to a shoe merchant online purchase and they advised to contact merchant and I did but merchant stated since they can not confirm who made the purchase I have to take it up with my bank and i did and nothing was done i chose to tskr it as a loss and move on. But then it happened again same merchant different charge months later and again I called and made a claim they said same thing called merchant anderchant said the same thing and chase did not protect me and did not address the issue I am in check systems why? I felt they owe me over XXXX but sent me to check systems over {$24.00}?? This is absurd

Company response to consumer: Closed with explanation