vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Commercial Collection Corporation of New York, Inc.
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I left my employer and was asked to repay my sign-on bonus on XX/XX/XXXX. I responded by offering to pay the net amount I received. The company replied weeks later, insisting that I needed to repay the gross amount, citing an accounting error in the fiscal year of XXXX. I requested an exception, considering their delayed response. Over the course of XXXX months, we engaged in back-and-forth communications. 

Throughout this period, I never received any physical mail correspondence to my address, informing me that the debt of {$28000.00} would be sent to collections. 

Fast forward to XX/XX/XXXX, when I received a letter from The Commercial Collection Corporation, signed by XXXX XXXX, demanding immediate payment of the full amount. The letter did not provide instructions for disputing the claim ( attached ). 

Reacting promptly, I called them on XX/XX/XXXX, and XXXX mentioned a potential settlement for {$10000.00}, subject to approval from XXXX. However, I expressed my desire to dispute the debt since I never signed any employment contract, neither digitally nor physically ( attached ). Coupled with the fact I did not hear back from the employer that the debt would be forwarded to a collections agency. On XX/XX/XXXX, I called XXXX again, but her attitude had changed. She asserted that XXXX would only accept the full amount and nothing less, which surprised me since I believe the debt is now owned by the The Commercial Collection Corporation, not my previous employer. Despite explaining my financial constraints, my offer to pay {$5000.00} lump sum immediately was denied. 

After our call, I sent a request in PDF format ( attached ) seeking more information about the debt and average payoff percentages to ensure fair treatment. However, as of the XXXX  of XX/XX/XXXX, I have not received any confirmation of receipt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
This is not my account. I have spoken with Continental Finance at nauseam about this yet they have failed to remove the account despite confirming they would do so.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX **** have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX **** have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Two accounts showing from AmEx appear on my credit report. I have NEVER had an account with American Express other than a Bluebird Prepaid Card. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never had a relationship with XXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never had a relationship with XXXXXXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never had a relationship with XXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They still have XXXX on my credit I don't owe them I sent in XXXX balance paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email.

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

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 2023-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Stenger & Stenger, P.C
State: NJ

Complaint narrative:
I voluntarily repoed a vehicle 3 years ago. I am NOW being told I owe almost {$5000.00} to a debt collection company by the name of Stenger and Stenger. I had to agree to pay them {$180.00} a month for 24 months. I complied with the first payment out of pure fear due to the fact that the paperwork I was sent threatened wage garnishment as well as arrest and up to 180 days in jail. I can not afford to pay this debt. I have XXXX paperwork showing actual proof of this debt other then the XXXX letter I received from them threatening me. When i asked if I can give them less per month I was told no. I need help desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
starting back on XX/XX/2023 to XX/XX/2023 I have been looking for ways to invest my money since I have hit a rough patch financially. I have reached out to multiple agencies on XXXX and XXXX to help me. I have invested a total of {$2500.00} of my money and I have been scammed by these individals. I have filed the following FTC, gov claims XXXX, XXXX, XXXX and XXXX I have also disputed them with my bank Chime it was denied since i used XXXX. I have reached out to the FDIC and they have sent this to Office of the Comptroller of the Currency XXXX XXXX # XXXX but this crimes can not contiue and more innocent people get the money stolen. the last company stated that they are from FEMA and were helping with rental assistance and I reached out to them for assistance and they scammed me out of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sometime in XXXX, my husband XXXX XXXX XXXX went to his bank, Wells Fargo XXXX XXXX XXXX XXXX, Ca, and applied for a mortgage loan without my knowledge as we are currently going through a divorce. During the loan process, the Mortgage sales consultant ran my credit without my permission. Her name is XXXX XXXX XXXX # XXXX. In XXXX, I received a Privacy notice from Wells Fargo mortgage department. When I questioned my husband he denied knowing anything about and stated " that he was not trying to use my credit '' after he realized that I knew about my credit score had lowered.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian stated that the bankruptcy was validated through US Bankruptcy court. The courts provided me with a document stating they do not validate through credit bureaus or any other third party companies

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: HI

Complaint narrative:
I applied to XXXX and XXXX who both use Checkr for their background checks. On XX/XX/XXXX th I applied and started the process, after a week of getting a background check pending as the response I called XXXX on their help line as well as Lyft, I was told the DMV portion was complete but was waiting for the criminal portion to come back. After another week of no news I emailed and called both XXXX and Checkr and was told some applications take longer 3-7 days, I was also told that some areas experienced delays due to court houses and outages, I waited another week and did the same thing again and was told both by checkr and XXXX and XXXX that I needed to be patient and some investigation take 3-7 days. After a month I was getting upset because I was being told the same thing over and over. At 2 months of checking in and asking if someone could manually look at my case please and was told they were escalating my issue and that didnt do anything at all, when I asked about the escalation process they didnt even have me down for that process, so now its been almost 90 days since this started. I told XXXX XXXX and Checkr that I bought my car for the sole purpose to drive for them, I financed the whole {$16.00} XXXX dollars and now I have car payments and insurance payments and I can not keep up with the payments without working or driving. My credit score will take a hit with missed payments and I have worked very hard to get my credit score up. I tried 1 more time today to see if anything has been done and they read the same script which is nothing. Checkr is the company that I believe has the glitch in it, or XXXX giving them wrong information? I do not know but I feel that they will never do anything really to look at the real problem and so my background check will never be resolved. So from XX/XX/XXXX until now XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

Company response to consumer: Closed with explanation