vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I saw an ad on XXXX selling concert tickets so I messaged the account on XXXX. We agreed to {$150.00} each for XXXX tickets and {$30.00} for a parking pass. The accounts name was XXXX XXXX. The email provided for XXXX was XXXX, and the name on the XXXX was XXXX XXXX. They said it should take a couple hours for the XXXX direct transfer to reach my inbox. After a few hours I did not receive any such email and tried to message again, however the account had blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: DE

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-25 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: DE

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: DE

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX 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 2024-01-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
By provisions of 15 US section 1681i of the Fair Credit Reporting Act. These items need to be investigated. This account is being reported as a collection/charged off account on my credit report but these account have been sold off to third party collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am infuriated by the sudden appearance of unauthorized and unacknowledged account [ XXXX XXXX ] and the inaccurate reporting of Bankruptcy XXXX XXXX - Dismissed [ Reference # : XXXX ] on my credit report. No judgment was issued, and I never had a case tried. Remove it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Not too long ago I reviewed my credit report and was sent into a XXXX  XXXX when I saw the accounts that were being misrepresented on my credit report. The bureau is clearly not doing their due diligence to ensure that whatever is being reviewed and reported by them is 100 % accurate and this is taking a huge toll on my personal life and need this fixed so I can get my life back on track.

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 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and I have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I purchased month to month insurance from XXXX XXXX XXXX XXXX and when I did not pay for insurance this company extended my credit with out my consent. Not knowing I was being charged it then went into collections by a company called CCS Collections

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 I am reporting a fraudulent inquiries found in 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 2024-01-25 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: TX

Complaint narrative:
There is a collection agency by the name of XXXX XXXX reporting an alleged debt of {$200.00}. The original debt was with XXXX XXXX for $ XXXX which I have attached to this complaint. I am confused as to why this collection agency is claiming a debt that I don't owe them. XXXX has since removed this account. I am requesting that XXXX and Equifax follow suit and remove the following account from my credit report for violation of the FCRA and FDCPA. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please note that this company and its subsidiaries was already involved in a lawsuit vs CFPB for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. If this account is not removed after viewing the evidence of the incorrect loan balance, I will find it necessary to seek litigation against Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection agency by the name of XXXX XXXX reporting an alleged debt of {$200.00}. The original debt was with XXXX XXXX for $ XXXX which I have attached to this complaint. I am confused as to why this collection agency is claiming a debt that I don't owe them. XXXX has since removed this account. I am requesting that Transunion and XXXX follow suit and remove the following account from my credit report for violation of the FCRA and FDCPA. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please note that this company and its subsidiaries was already involved in a lawsuit vs CFPB for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. If this account is not removed after viewing the evidence of the incorrect loan balance, I will find it necessary to seek litigation against XXXX and Transunion.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-25 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: DE

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25 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: MS

Complaint narrative:
I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in 7 business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.

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 2024-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I have sent correspondence with registered mail # XXXX to your organization regarding my request to return my tender, securities, proceeds, interest and any other payments including all FRNs be returned ( Federal Reserve Notes aka Floating Rate Note ) Noticed a billing error for securities fraud. Since my initial request to return all funds were ignored. I am removing your rights from all securities, right to foreclosure, sale, ( Promissory ) Note and Deed of Trust/Mortgage/Security Deed. I am requesting you provide me with documentary evidence ( past, present and future ) on the public and private side per stipulations of GAAP located in your SEC filing. 

1st Tier Civil Penalty : after day 21 from above date $ XXXX due immediately. 
XXXX XXXX has begun day XXXX, which is $ XXXX during which such violation, practice, or breach continues. 

Loan Depot Acknowledgement Letter attached XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that results from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 US Code 1681b - Permissible Purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I demand the deletion of the listed accounts IMMEDIATELY. 

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 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've taken all necessary steps to address an identity theft issue with Experian, but they persistently ignore my valid report, causing significant distress. XXXX and XXXX have cooperated, yet Experian claims my documents are invalid. I urgently seek CFPB 's help for a proper resolution and thorough review of my case.

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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-25 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: DE

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Debt not mine.

15 usc 1681a2 I didnt give written permission to have these accounts furnished on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.

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 2024-01-25 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: MS

Complaint narrative:
I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
My wife and I have been geting calls for the past 6 months for a XXXX XXXX. She apparently owes a debt to a credit card company. We do not know who this peraon is, other then we share the same last name. The calls are made to my wifes cell number as well as our home phone. The calls come in at any time of day... .most calls are on the weekend as well as XXXX XXXX. I have done everyting I can about this. I have called them and told them I was going to report them. We have tried blocking and it doesn't work. The last call we got was from a XXXX. The company name is MCM. The most recent call came in at XXXX XXXX  We have had enough in that these calls are way beyond harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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