vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: PA

Complaint narrative:
I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, Equifax and TransUnion is implementing it self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX 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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX 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 2023-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX 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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: NJ

Complaint narrative:
I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : XXXX | XXXX : XX/XX/1987 I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late or XXXX reporting for months after account closure by the creditor. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. No to mention this debt was never validated when requested from the creditor and the XXXX and Equifax have failed to do a property investigation ... .. confirming the dates of closure and continually reporting negative and inaccurate information. 

The below account is in violation of FCRA section 623- Which states CRA can report delinquent until closure, post closure/ discharge, CRA can not continue to report negative information months after months. 

XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX See credit report attached for information being disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: IN

Complaint narrative:
Where do I start. My Person information was hacked via several companies since XXXX. 
XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and XXXX ( XXXX ). 
I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. 
By : ( Harvard Collections Serv.- {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). 

I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. 
As a consumers, the current resources the credit bureau have in place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via thieft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Well its been about 45 days since i made my first complaint against this company. I've done everything they have wanted me to do and yet i still haven't received my payment and no one will answer or return my calls or emails at this point when i try to inquire about what's going on with my payment. Just from this experience I will tell you I will never bank with this company after all this run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, Express  Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Aidvantage has violated multiple Federal laws set forth by congress : Violations : 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) - Congress CLEARLY states that transactions or experiences between the consumer and the person making the report IS NOT included in the consumer report. 
15 U.S. Code 6801 - Protection of nonpublic personal information. Aidvantage has taken it upon themselves to report my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures which is a violation of 15 USC 6801. I have written Aidvantage letter dated 7/12/23 to request ALL of my disclosures that should have been conspicuously disclosed to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXXXXXX XXXX ), and exercised my right to opt out of having my information reported pursuant 15 USC 6802B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.

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 2023-07-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute last year for a collection account that was previously paid ( a few years ago ) with XXXX XXXX. XXXX XXXX was merging with XXXX XXXX XXXX during that time, and did not apply the final payment that we made ( a few years ago ). Experian deleted that collection in XXXX, when it was with XXXX XXXX XXXX, as they could not provide information that debt was valid. XXXX then sold the debt to XXXX XXXX, who re-reported the collection with Experian under XXXX XXXX XXXX XXXX XXXX I have asked XXXX XXXX for proof that this collection was valid, and they have failed to do so. They have changed creditor name from XXXX XXXX XXXX XXXX to just XXXX XXXX XXXX and lowered the collection amount by a couple of dollars in order to be able to re-report. I have disputed the collection with Experian 2x this year with proof that they deleted it in XXXX, and they will not remove and they have also re-reported the original collection from XXXX  under XXXX XXXX XXXX. This is an unfair practice, as proof has not been provided to me that debt/collection is valid, and also should not be able to re-report a previously deleted collection

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 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used XXXX for payment. I told him that I did. Then I received a notice from what I thought was XXXX stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of XXXX XXXXXXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your XXXX account so that your XXXX account can be changed to a business account and be credited immediately with $ XXXXThen XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from USAA stating that there was no error. Also that based on XXXX terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via XXXX making a request for return of funds only to find out that the recipient isnt eligible to use XXXX any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
I received a bill from Online information Services a debt collector for {$990.00} to XXXX XXXX. 
I called XXXX XXXX and they said it was an electric bill for an address in Texas. I live in Alabama and never even been to Texas. They said I would have to file with Federal Trade Commission and file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One won't stop sending offers. We are on the opt-out list. Their legal dept sent a letter reading it would stop and it doesn't. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I have been goin back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in new jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : Online Information Services  XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Payment was due on XX/XX/2023 with auto-pay enabled PayPal Credit claimed to attempt draft and claims to have been rejected PayPal Credit fined me {$30.00} for failed payment - posted on XX/XX/XXXX On XX/XX/2023, I called PayPal Credit XXXX Synchrony Bank ) to inquire and they simply said it was rejected by my bank I called my bank - XXXX XXXX XXXX XXXX routing # XXXX ) - and they had no record of any indication of an attempted draft from any of my accounts for the auto-pay amount I called PayPal Credit back to report this and was told " remove and re-add your auto payment account to see if that fixes it '' and offered to waive the {$30.00} fine ( a 30 % penalty! ) Although it is financially corrected, there resolution does not satisfy my concern that their systems are automatically fining for what I believe to be a problem on their end. They did not investigate the failure and essentially said " this happens sometimes '' and that cost me quite a bit of time to figure out how correct.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received an email from Chime that I opened up a checking account. I never did such a thing, and now I am really concerned. I never wen to their site, yet they have my email, and an account was opened in my name. I wrote them, and haven't heard anything. This is XXXX XXXX all over again. 
Why was I not sent an authentication email before this account was created? This seems careless and they need to be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: PA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from this identity theft claim. The following items listed below are unknown to me. Which is XXXX XXXX XXXX

Company response to consumer: Closed with explanation