vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Seen fraud inquires on my credit report that I did not do and sign up for

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 2021-06-19 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: DE

Complaint narrative:
This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX re : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA XXXX, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but XXXX XXXX did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to XXXX XXXX, XXXX, and Experian on this date. XXXX XXXX, stated that they had performed an investigation on thi

s matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. XXXX XXXX and Experian, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both XXXX XXXX and XXXX  and Experian. 

XXXX  XXXX turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for XXXX XXXX. 


XXXX  XXXX, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. XXXX XXXX and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if XXXX XXXX and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX XXXX : FTC Identity 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 2021-06-19 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: DE

Complaint narrative:
This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021

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 2021-06-19 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: DE

Complaint narrative:
This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
The information that they have sent to the bureaus is not mine. I did not open an acount in 2021 for those amounts or from recent years. They have reported incorrect information to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The said company is LVNV FUNDING LLC - XXXX. XXXX  XXXX XXXX, SC XXXX This company is on my credit report not once but twice and I do not know who the company is and I do not owe this company anything.I have not had any success in contact with the company and, I have contacted all three credit bureaus and waiting for a response. I am aware with the recent pandemic that crazy things are appearing on consumers credit report. However I do not know who this company is. I have NEVER applied for anything with this company and I am requesting help in finding out who this company is and why is derogatory information being displayed on my credit report in reference to this company claiming that I owe them two different amounts. No company should be able to place anything on your credit report without you applying for credit much less any derogatory information and the consumer not know who the company is or the consumer have not spoken to this company. I am sure there has to be some type of law that has been broken. I am requesting help in finding out who this company is and if the company seem feel that I owe anything, then i would like a full validation with my signature of some sort of contract that connect me to this company. and why are they listed on my credit report twice? 

Thank You for your time and your help with this matter. 
I look forward to speaking or hearing from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX  & Equifax is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Seen fraud inquires on my credit report that I did not do and sign up for

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 2021-06-19 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: DE

Complaint narrative:
This account information do not belong to me. 

XXXX  account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX account # XXXX Balance- {$1100.00} opened- 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 2021-06-19 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: DE

Complaint narrative:
This account information do not belong to me. 

XXXX account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX  account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: DE

Complaint narrative:
This account information do not belong to me. 

XXXX  account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXXXXXX & XXXX  is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.

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 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I am opening a consumer complaint against MRS BPO , LLC for a debt that was opened due to identity fraud. On XX/XX/XXXX, I opened a dispute with XXXX  Credit Bureau regarding unfair and inaccurate debt reporting. MRS BPO , LLC. continues to report a collections account on my credit file with XXXX  see attached documentation. On XX/XX/XXXX, I received an alert on my XXXX  credit bureau monitoring services of a collections account from MRS BPO , LLC. for a debt I have no prior knowledge of. According to the data provided to the credit bureaus, this account was placed for collections on XX/XX/XXXX ; however, I never received any communication from this company before the account was added to my credit report. 

As a result, I called XXXX  Credit Bureau to dispute the account. I noticed the address associated with the account was XXXX XXXX XXXX XXXX NC XXXX. I have never lived in North Carolina and have been a lifelong Michigander since XXXX. Upon being notified of the additional address on my credit file, XXXX  removed all references to the account and the North Carolina address, leaving XXXX  as the only credit report in which this fraudulent account remains. 

On Tuesday XX/XX/XXXX, I sent MRS BPO , LLC. a debt validation letter disputing the debt and notifying them of the fraudulent activity via US mail ( copy of the letter attached ). As of XX/XX/XXXX, I have yet to receive a response from MRS BPO , LLC. regarding this debt. 

I have a stellar payment history current on all payments for 19+ years and have always paid my debts on time. I have never lived in North Carolina and have not had an account with the original creditor ( XXXX XXXX XXXX XXXX ). By listing an account that is knowingly fraudulent with an incorrect balance and falsely updating this information monthly with XXXX, MRS BPO , LLC. is violating the FCRA and FDCPA. 

I ask for your assistance in remedying this situation by having this account removed from my credit report. MRS BPO , LLC. must correct their records and cease all debt collection on this unverified, invalidated, and fraudulent debt. I greatly appreciate your assistance in resolving this error and removing this blemish from my account. Please feel free to contact me with any questions. 

**Please note this is the second attempt from a collection agency to collect on this fraudulent account - The first attempt was from XXXX XXXX XXXX XXXX I have notified all three credit bureaus of this via written and telephone communications. **

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am sending this CFPB complaint because I am very unhappy that Equifax, XXXX & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: DC

Complaint narrative:
XX/XX/2021, i sent my first dispute to Equifax asking them to furnish all information that could tie me to the debt they claimed I was liable for. They failed to do so and closed my dispute stating the information was " VERIFIED '' but failed to state how or show me any original documentation. On XX/XX/XXXX i sent my second dispute to Equifax again asking them to furnish all documentation such as original contracts, signatures or an agreement I agreed to involve this debt as well as to complete an independent investigation and not a computer response. According to the USPS, they received the letter on XX/XX/XXXX but It been over 30 days and I have not received any documentation or status regarding my second dispute. I checked my credit report to see if there was a credit dispute update on my file and there was none which leaves me to believe they did not even do an investigation this time. Lastly, on XX/XX/2021 I sent a 30-day nonresponse letter to Equifax with a copy of the letter I sent them on XX/XX/XXXX showing proof of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am sending this CFPB complaint because I am very unhappy that XXXX, Transunion & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!

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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I did not authorize XXXX XXXX to automatically deduct Chase credit card for {$610.00} on XXXX21, for a timeshare promo week. I paid them {$290.00} for 4 nights to take the presentation. However, I was 5min late and they automatically deducted an additional {$610.00}. Since the room was not cleaned until XXXX at night, they refund {$200.00}. I called 4 times and ask them to refund my money that was taken, and I will take the presentation. I stayed with family in Florida another week. They said no, I have to be on vacation. Next, Chase say " I knew what I was getting myself into going on a presentation. '' I appeal the decision with a letter XXXX the day I signed for the presentation not saying anything about automatic deduction.

Company response to consumer: Closed with non-monetary relief