vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Date : The year of XXXX : Fraudulent charges were debited and credited from my account while I was mentally and physically compromised by XXXX Date : XX/XX/XXXX - Lawsuit filed against me, XXXX XXXX for XXXX XXXX ( XXXX ) XXXX credit card debt Date : XX/XX/XXXX : Papers were served to me at my home at XXXX XXXX XXXX, XXXX, TX XXXX Aumount of debt : {$14000.00} Summary of Actions : 1.After falling sick  with XXXX that XXXX  my XXXX, XXXX, and XXXX function, my identity was compromised along with several of my credit cards, among them were XXXX XXXX XXXX and XXXX. 
2.I filed for identity theft with the credit bureaus under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
3.The creditor, XXXX sold of transferred the debt to Resurgent Acquisitions LLC in Delaware, which further sold or assigned the debt to LVNV Funding, also in Delaware ( see attached assignment papers ) 4.I am now in the process of filing a response to the lawsuit by LVNV ; however, I need you to intervene for a dismissal of these charges, since I can not afford legal representation as of my currently depressed financial state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
In XXXX, I stopped service with XXXX XXXX, moved my wifes phone and mine over. I conducted this transaction in XXXX  ( XXXX XXXX XXXX, XXXX, XXXX  ). Later in XXXX, we moved to XXXX, XXXX Then in XX/XX/XXXX, we moved to XXXX . Coincidentally, my family in XXXX  also has XXXX. 

In the early months of XXXX, I was receiving text messages and emails that the accounts are paid. I logged into XXXX and did not see a bill associated with my address. Therefore, I thought these were associated with my family in XXXX. 

In XX/XX/XXXX, I contacted XXXX. They said I owed them for 2 months of a cellular bill. 
We both determined that my phone accounts were no longer active, had been switched in XXXX. They apologized and indicated they owed me. They mentioned perhaps when the phones were changed, the host store failed to de-activate the sim attached to the phone. I said, that made sense no worries. 

In XX/XX/XXXX, I got a call from XXXX stating I owed money. I said 1st I cant even see the bill. Second, last time I spoke to someone we noted perhaps there is an errand sim card that was not properly deactivated. They also recognized this was the case and said I would receive 3 checks in separate payments. I said fine. 

In XX/XX/XXXX, I got a call from XXXX stating I owed money. I said absolutely not and stop harassing me. You guys owe me money. 

In XX/XX/XXXX, I started seeing text from Credence XXXX XXXX. 

In XX/XX/XXXX, I gave up tried to log into the XXXX XXXX portal to pay the bill. The portal didnt work. 

In XXXX, I tried again. Didnt work. 

In XX/XX/XXXX, I applied for home loan. My credit score went from XXXX to XXXX!! I called the XXXX XXXX folks. They said sorry you were in an off-shore collection status. Since you live in XXXX  we have to on-shore you. 

I paid the bill. XXXX lied to me or failed to comply with what was agreed to in XXXX. I never had actual access to a billing statement they just sent me demands via text message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
On XX/XX/year> I inquired about a title loan through Loanmart to help pay bills. I was told that the term was 36 months and I had to borrow at least {$10000.00} with a interest rate of 99.99 %. My main issue is the interest rate being super high and at the end of the term I would have paid {$36000.00}. I am living in California and the bank that Loanmart uses is XXXX bank out of Utah. My loan number is XXXX. I would like to see this company to stop charging such high interest rates. Loanmart didn't even ask or check to see how much my paychecks are. I am struggling to make my mortgage payments, food, credit card payments. Myself and my wife are on a fixed income as we are both retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
I initially reported this on XXXX XXXX and nothing has changed. XXXX XXXX is reporting duplicate information on my credit report. the credit information is reporting on Experian and XXXX credit bureaus. I submitted a credit report to them showing the error and I submitted a dispute trying to correct it. Both the credit bureaus and XXXX XXXX  have ignored my request. I am a minority single female who is feeling discriminated against by XXXX XXXX. I have submitted multiple requests and I have been ignored on them all .. Experian sees the accounts are duplicates but still ignores them .. its in plain sight. The account number only differ by XXXX in front .. every thing else is the same. They are deliberately not trying to correct error.

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 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Original owner of debt was XXXX XXXX. This debt was settled on XX/XX/XXXX with XXXX XXXX a collector who accepted the settlement agreement and I honored it by paying {$740.00} to satisfy the account. I then received a notice from XXXX XXXX XXXX in XX/XX/XXXX where they tried to collect on the {$490.00} even though this amount can no longer be collected on. I provided them my proof of settlement and they removed the collections account from my credit report. It appears Transworld Systems Inc bought this settled debt is trying to collect on it again. I provided the proof of settlement and they refuse to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : CLOSED ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX for {$3700.00} ; XXXX XXXX XXXX Acct # XXXX for {$5000.00} ; XXXX XXXX XXXX Acct # XXXX for {$4000.00} ; and XXXXXXXX XXXX XXXX Acct # XXXX for {$14000.00}. XXXX : XXXX XXXX XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-07-31 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-31 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: MD

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

Company 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 XXXX 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

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

Company 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
A company called XXXXXXXX XXXX charge XXXX account multiple times, including XXXX on XX/XX/year> through ACH. SoFi bank refused to credit me back. They " investigated '' the matter in only 24 hours and somehow came to the conclusions that it was valid. They never even reached out to the merchant to verify the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I never gave any of these companies my information, by law this is illegal. 
DELETE HARD INQUIRIES DELETE COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I never gave any of these companies my information, by law this is illegal. 
DELETE HARD INQUIRIES DELETE COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: IQOR US INC
State: MI

Complaint narrative:
I never gave any of these companies my information, by law this is illegal. 
DELETE HARD INQUIRIES DELETE COLLECTIONS

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized accounts of my credit : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
Purchased a Netspend prepaid card XX/XX/year> and loaded it with {$100.00}. I Tried to activate the card and it wouldn't work. Spoke with customer service several times and they kept telling me to activate it online. When trying to activate it online the website told me to that something was wrong and to call customer service. I went back and forth with customer service for months. Filed a claim with XXXX XXXX XXXX and Netspend customer service sent me and email stating that they are sending me a refund check. A few months went by and I didn't receive a check. I emailed back and was told the refund is on its way. It has been almost 2 years now and I am still going back and forth with Netspend. They told me they could only issue a refund if I sent a picture of the card, a picture of a valid photo ID and a XXXX of a utility bill for proof of address. I did not want to do that but I did because I want my money back. After sending all of that they told me that they would not be able to send me a refund without a copy of the receipt proving that I purchased the card. I will add names and dates of emails below. 

XXXX XXXX XXXX Netspend- refund check will arrive in 10 business days. 
XXXX XXXX- refund check was sent on XXXX referring case to accounting to issue new check. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX -Needs Image of the card or receipt Image of your ID or Driver 's License Proof of Address document- where you would like the check sent. Must be dated in the last 30 days time frame. 
XXXX XXXX XXXX XXXX XXXX will not issue refund check without a receipt- Speak with the retailer to get copy of receipt. 

Please help me get my hard earned money back, 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of this inquiry nor did I consent to this

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have no knowledge of this inquiry nor did I consent to this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NV

Complaint narrative:
XX/XX/year> I complain that a XXXX name is used in place of XXXX XXXX to display profile to lenders. XXXX name will not allow customer contact with lenders to receive financial services of internal revenue service from registered given name.

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 2024-07-31 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: PA

Complaint narrative:
I am writing to delete the following information on my credit report. The items I need deleted are listed in the report, I am a victim of identity theft and did not make these charges. I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items immediately.

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