vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
On XX/XX/year>2024, I received a credit card rejection letter that listed my FICO score with Experian approximately XXXX points below what was listed by XXXX XXXX and XXXX. Upon investigation, Experian had added a second person to my credit report with the same first and last name, but a different middle name and social security number to my credit report. This individual added a lot of negative impacts to my credit such as accounts in default and hard inquiries to my credit report. Approximately around XX/XX/year>2024, I notified Experian of the problem and disputed all of the incorrect information, including the other individuals address, social, phone number, name, and accounts. Upon re rejection form a credit card company again on XX/XX/year>2024, I found that the hard inquiries were left as well as XXXX of the default accounts with a balance of {$960.00} from the previous individual mixed into my report. The same day I re notified Experian and created a new dispute as well as contacting XXXX who the account was with. XXXX was unable to find any accounts linked to my social security number as I had no history with them. They were able to find the default account when I provided them with the social from the other individual that was previously on my credit report. XXXX made a note that the account was showing up on the wrong credit report and I was informed that they would get with management and the credit bureau to sort the issue. On XX/XX/year>2024, I was notified by Experian had closed the dispute and that " The information you disputed has been verified as accurate ''. Experian has messed up my credit report creating issues when I try to pursue lines of credit or a credit card, and they have failed to completely fix the issue twice now.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having difficulty accessing my credit report from experian as the file size has grown too large due to the number of soft inquiries. I subscribe to Experian 's credit monitoring service and when I try to use the print report option or access my report online, i am unable to. This has happened before and Experian removed the soft inquiries to reduce the size of the file.

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 2024-08-28 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:
A hard inquiry showed up on my credit report ( TransUnion ) on XXXX. The company name listed was XXXX XXXX. I have not applied for, nor ever heard of the company before. I contacted XXXX XXXX requesting that they remove the inquiry from my credit report and to notify them that someone was trying to likely fraudulently open an account under my name and social security number. I provided them my full name, date of birth, current address and the last XXXX digits of my social security number. They were unable to verify that an application was made in my name. They were also unable to explain why a hard inquiry was attached to my credit report from their company. I requested that they send me a letter stating that they have no record of me applying for any of their services. They declined and said I needed to contact the credit reporting agency. I then called TransUnion to ask to have the hard inquiry removed. They told me that I needed to call XXXX XXXX and request a letter that would remove the hard inquiry. They then stated that if XXXX XXXX would not provide the letter, that I needed to file a complaint with the FTC, then send TransUnion a copy of the complaint with a hard copy of my driver 's license and Social security number in the mail. I do not feel comfortable sending copies of all of my personal information in the mail, especially considering the circumstances that are requiring this. If I can verify my identity to transunion and to XXXX XXXX, they should be able to remove the inquiry.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
NEVER HEARD OF THIS COMPANY. i ASKED THEM FOR AN ORIGINAL CONTRACT WITH A WET SIGNATURE, I ALSO ASKED THIS COMPANY FOR FULL RECORD OF ACCOUNTING AND I ASKED THIS COMPANY FOR INSURANCE CONNECTED TO THIS ASSUMED DEBT AND I ALSO ASKED THEM TO CEASE AND DESIST. 
1692c - Communication in connection with debt collection - Civil Liability for Willful Noncompliance, Civil Liability for Negligent Noncompliance Monetary fines for each violation, which can vary based on the severity and frequency of the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
Village Capital was supposed to approve a VASP modification program for me, based off the XXXX telling me that was the best option instead of XXXX to prevent foreclosure. They denied me because of the claim I was in active bankruptcy. My ex-wife who was never on the mortgage and is no longer on the deed claimed her own bankruptcy. Yesterday, finally village capital dropped the case of objection against her bankruptcy due to the fact that she never signed the note. I was on the hearing today and listened to the judge, the trustee, and her attorney speak about. They were all in agreeance that it should have never been on her filing. With that said, I would as soon as possible appreciate if my VA VASP refinance is pushed through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: OK

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-08-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I am writing to request an expulsion of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXXXXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX GEORGIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I DO NOT recognize the following accounts above in review. I AM A VICTIM OF IDENTITY THEFT and I DO NOT recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report IMMEDIATELY! I have attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My auto loan with Citizens Bank and was included with my XXXX XXXX XXXX, however I was still manually making my payments to Citizens Bank. I was being sent monthly statements and the verbiage stated : " This is not a Bill. This statement is for informational purposes only. It is solely intended to notify you of the current status of your account and is subject to all of your rights arising from your bankruptcy filing. This is not a demand for payment by you personally of any obligation discharged in bankruptcy '' When I paid the XX/XX/XXXX bill I was informed that I had {$100.00} in late fees and I can pay these at the end of the loan. {$100.00} was the total fees shown until I received the XX/XX/XXXX Loan Statement that now included 61 late fees, starting in XX/XX/XXXX totaling {$710.00}. I was never informed of all 61 late fees until the last statement. This is very deceiving. I have tried to talk to the Bankruptcy Dept and they told me I need to talk to consumer lending and then when I speak to Consumer Lending they tell me that they can't do anything and need to talk to bankruptcy. I have asked for some of the fees to be reversed and was told no because of the amount and how old they are. I told them I never knew about them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, digital, and telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-28 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I recently paid off my Capital One Auto Loan in early XX/XX/year> and CapitalOne reported in XXXX that my account is still open with an outstanding balance. 

I have contacted Capital One Auto several times requesting that they update the reporting to the credit reporting agencies showing the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-28 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: NY

Complaint narrative:
A charge of XXXX was made to my Citi Advantage/Master card on XX/XX/XXXX. I immediately called the credit card company to dispute the charge. I heard from the credit card company by phone and they asked some banal questions that I had already answered. Shortly after this call I received an impersonal letter stating that the case was closed because the card was present when the service was paid for and it would reappear on my next statement. I understood the charge was for an auto repair shop. I called the credit card company to question why it was closed and the representative said, " no, the case is still opened. '' I received my current statement today, XX/XX/XXXX, and the charge, plus an interest charge is still on my bill. 
I called to speak to a representative and then I was transferred to the Fraud department. The representative said she was sorry but since my card was present, the charge would remain and there was nothing they could do. 

I called back the Fraud department and asked to speak to a Supervisor. I told her I wanted the name of the company, their address and phone number. The statement only had XXXX as the address and when I googled the name XXXX XXXX, what came up was a hotel in XXXX. There was no name, or phone number for an auto repair shop. This city is XXXX  hours from where I was staying in XXXX. The card was with me the whole time and I can't explain how they could use my card. It appears that the investigation done was only to check whether the chip on my card was used. No other information re the name or address of the service provider or merchant was available at the credit card company. They did a very superficial investigation and have not been very helpful.

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 2024-08-28 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your 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 2024-08-28 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: PA

Complaint narrative:
I am rewriting to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Illinois Collections Inc
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX  dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation