vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: Franklin Credit Management Corporation
State: GA

Complaint narrative:
Ever since 2010, I've been having issues with Franklin Credit Management Corporation in the form of a mortgage. I am not on the mortgage nor at closing. I don't have an account number with them, and they have my social security which is connected to a fraudulent name. I want it off my credit and it has been making my credit score go down for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NV

Complaint narrative:
No knowledge of this account. Reported to federal trade commission website

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 2023-06-13 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: KS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 non-monetary relief
Consumer complaint received 2023-06-13 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that XXXX XXXX XXXX was representing capital one for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that XXXX had obtain a judgement. I sent that document to XXXX. I also reached out to XXXX to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that XXXX would not work with them because I owned that debt. I keep receiving notifications that XXXX has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from XXXX and XXXX wont speak with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Pursuit, LLC
State: NY

Complaint narrative:
This complaint is not about repeated phone calls, but rather repeated information subpoenas to my bank and my job. On XX/XX/XXXX of last year, I was contacted by email by XXXX XXXX, Esq.at Asset Pursuit about a judgement entered against me in XX/XX/XXXX. I was coerced into signing it by an acquaintance, XXXX XXXX, who illegally rented his condo to me. When the condo board found out, they informed him he had 10 days to get the illegal tenant out of the building. I was behind on rent but I was making a good faith effort to get back on track. I wasn't evicted. During this time, XXXX XXXX harassed me with both the threat of XXXX XXXX XXXXXXXX XXXX. 

Asset Pursuit is XXXX XXXX 's third attempt to collect on this judgement. XXXX XXXX requested a complete record of my banking statements dating back to the first of the year. I complied. I also enlisted the help of XXXX XXXX XXXX XXXX because I am almost XXXX XXXX XXXX and XXXX. After I submitted all the documents, XXXX XXXX asked me what I could pay his client. My lawyer advised to state that I wasn't in a position to settle because my income barely met my expenses. 

Since the beginning of this year, I have received the following information subpoenas to my bank : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX an information subpoena to my job XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX That is a total of XXXX information subpoenas in less than a year, to a XXXX XXXX XXXX XXXX woman who works part-time. I would think by now that Asset Pursuit has a very clear picture of my finances. It must also be clear that I am not hiding assets. At this juncture, it is harassment and intentional infliction of emotional damage. I am asking that they be stopped. I am asking for my legal right to privacy. I am tired of being surveilled. This has been going on for almost a year. My income hasn't changed -- in fact it has gone down because Social Security reduced my benefits. 

Thank you for your time and patience. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
The reports from all three ( 3 ) agencies have multiple wrong addresses listed for the Students for XXXX XXXX XXXX. I called Experian and I've emailed a copy of the attempted changes to XXXX and the wrong addresses are still listed.

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 2023-06-13 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX ( XXXX ) Account number : XXXX Contract caller inc ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX credit card ) Account number XXXX 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

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 2023-06-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ) Account number : XXXX Contract XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
someone used my information to get utilities in my name without my permission and never paid the bill.

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 2023-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, after receiving an email from the direct bank XXXX XXXX indicating that a linked external account was available for transfers to and from a XXXX XXXX XXXX XXXX XXXX XXXX Account, ( which itself happened after all the usual verification hoop jumping ) I initiated a transfer of {$450.00} from that account to the new XXXX XXXX XXXX, to start the XXXX. The account the money was transferred from records the transfer as actually occurring on XX/XX/XXXX. I became aware of the account lock-out after trying to log into the XXXX XXXX account on XX/XX/XXXX to confirm the transfer and XXXX XXXX did not inform me of the lock-out by call or text or email. I was given only vague information when I called the number XXXX XXXX provided, but was told that most holds/lockouts are resolved within ten business days. 
On XX/XX/XXXX, I received a letter from KeyBank ( the parent company of XXXX XXXX ) saying that a hold was initiated on XX/XX/XXXX and that " the account hold is typically resolved within XXXX days. '' The letter provides three possible reasons for why the hold was placed. The first two involve me reporting fraudulent activity and are not applicable. The third reason is " KeyBank detected suspicious activity related to your deposit account or online banking profile ''. The timing of the hold implies that the " suspicious activity '' is the transfer I made after being told by XXXX XXXX that I could make transfers. 
On XX/XX/XXXX, I sent an email to XXXX XXXX offering to verify my identity however they preferred and answer any questions they had, and that if they would not do this, then I wanted my money returned. I received a vague, unhelpful response the next day. 
As of at least thirteen business days after being told the issues was likely to be resolved within ten days, the money has not been returned despite my request, I have no access to my account, and as I have no firm information about when I will have access to the account, and as I was not clearly told in the process of opening the account that I would have no access to the account, ( if I was told I would have no access, I would not have opened the account ) I consider the money stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: MO

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. 

Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN/XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX and 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 explanation
Consumer complaint received 2023-06-13 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: TN

Complaint narrative:
Resurgent Capital Services is attempting to collect a debt on behalf of XXXX XXXX XXXX. which sold the contract or debt to their company. I owe Resurgent no debt and we do not have a contract or an agreement. also they are reporting on my credit report i owe the debt to them. this is illegal and fraud activity by Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
I submitted the attached to Equifax on XX/XX/10 via certified mail. I have not recieved any response I reviewed my Consumer Reports and noticed that I had payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX indicating that a collections account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported a {$3700.00} balance and did not send written notification nor validation. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ].

As a direct result my credit score dropped by over XXXX points and went from exceptional to good. This is unacceptable and has prevented me from obtaining a loan for a vehicle I was in the process of purchasing. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: CA

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. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX card has 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-06-13 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: CA

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. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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