vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Upon checking my credit reports in XX/XX/XXXX, I discovered a collection account had been placed on all three of my reports under LVNV Funding/Resurgent Capital Services . Looking the name up, I discovered this was a debt collector/debt buyer. I contacted Resurgent Capital services by mail on XX/XX/XXXX and requested validation of debt and that this be deleted from my credit report. Resurgent did not provide me with the original purchase agreement that shows that they legally own this alleged debt. Whats more, I was never notified of this alleged debt. It was placed on my credit reports and after receiving no validation that LVNV Funding/Resurgent Capital owns this debt, I contacted the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) for dispute. All three credit bureaus did not provide me with a true explanation or investigation. They just said its verified with no proof. This is misleading data and Ive shown proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
It has been an ongoing issue. They draft my account on the wrong dates. Today for example XX/XX/year> they tried drafting my account when the due date isn't until XX/XX/year>. 
This is a recurring issue. When the payment is late. Quite literally within the same day they will harass ( not just call ) by phone, email and even text from a personal number. To an excess of 11 times within one day. That is to myself and all references listed on my account. They have lied to me. In regards to getting information. Have incorrectly debited the wrong account. They will repeatedly try with accounts that I have used for payments that is not the method of payment or account listed in the loan agreement. This behavior has happened even after agreements have been made about when late payments would be settled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: TX

Complaint narrative:
I opened an account recently with XXXX XXXX ( key bank ) and deposited a check for $ XXXX dollars. Immediately after the check was deposited I received an email saying that it would take 7 days for the check to be deposited. I called key bank and told them that I would place a hold on the check with my bank because I needed the funds to be available as this is my emergency fund. The representative said that she was going to notated and that I could go a head and place a hold on the check. I then transferred {$7500.00} to key bank using XXXX from my other bank account. Two days after the funds were deposited into my account KeyBank placed my account on hold for fraud review. I called key bank to ask is I need to provide documentation and they said no, called them back 3 business days later and they asked me for a bank statement from my other bank account provided that and was told that was sufficient. Called them back today and was told that I have to go in person to a branch to fill out an affidavits. I live in Texas and the closest branch to me is located in Florida. On top of it all I set up direct deposit with them and my pay check is being deposited into this account that I dont have access to. I am without my paycheck and my emergency fund. Please help me resolve this! I am without access to money and cant pay my bills. I cant afford a trip to Florida to solve this issue. I am willing to provide any documents they ask. My credit score is excellent and Ive never had issues with any other bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Somebody, without my permission used my SS # and my information to open a XXXX credit card with COMENITY CAPITAL BANK in my name at the XXXX XXXX # XXXX in XXXX, FL. on XX/XX/year>. 
I Contacted COMENITY CAPITAL BANK and disputed this FRAUD Account and I filed a police report with the XXXX Police Department. 
I Mailed a dispute letter and the police report to Comenity Capital Bank, XXXX, XXXX XXXX XXXX XXXX. 
Had my credit froze and monitored. 
Comenity Capital Bank is refusing to cancel the account and will not remove this fraud charge account from my credit report. 
My credit score has dropped from XXXX to XXXX. 
COMENITY CAPITAL BANK will not send me the documents used to open the account without a subpoena. I sent them the Police Report. 
COMENITY CAPITAL BANK HAS 1,000s of BAD REVIEWS and THEIR FRAUD DEPARTMENT WILL NOT INVESTIGATE A DISPUTE CORRECTLY. 
DON'T DO BUSINESS WITH COMENITY CAPITAL BANK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are fraudulent accounts on my credit report that are affecting my credit score. Can you please take them off?

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 2024-08-15 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: OK

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I noticed that my credit report contains inaccurate personal details, which could be due to a clerical mistake or potentially identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I saw some fake accounts on my credit report that are hurting my credit score. Please remove them so I can get credit more easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-15 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi card had XXXX dollar charge I contacted them immediately to let them know it was fraud and they did not refund me

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 monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I noticed that my credit report contains inaccurate personal details, which could be due to a clerical mistake or potentially identity theft.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THESE XXXX  SENT ME AN EMAIL WITH A " PASSWORD '' ON IT WITHOUT EVEN MAKING SURE i WOULD BE AVAILABLE TO GET IT. THAT IS SO IRRESPONSIBLE AND DANGEROUS. 

I ALSO DID USE THAT TO LOG IN AND CHANGE MY PASSWORD. 

BUT AFTER DOING SO, I STILL GOT THE SAME MESSAGE -- THAT MY " INFO ON MY CREDIT REPORT WAS UNAVAILABLE RIGHT NOW '' THERE IS NO INFO, JUST THAT STUPID PAGE THAT DOES NOTHING, SAYS NOTHING. WHY CAN'T THESE PEOPLE LET ME LOG IN WITH THE PASSWORD I CHANGED IT TO? 
I LOGGED IN BUT IT IS STILL THE SAME OUT OF SERVICE TYPE XXXX. THIS IS RIDICULOUS. 
AND TO MAKE MATTERS WORSE, IN MY OPINION, THEY TELL YOU TO USE SOCIAL MEDIA HOW IN THE NAME OF XXXX CAN ANYONE DO THAT WITH YOUR CREDIT REPORT? THIS I DO NOT UNDERSTAND THAT IS NUTS I DON'T UNDERSTAND IT. IF YOU AREE GOING TO HELP, PLEASE HELP. I WAS GLAD TO ADD THIS ONTO THE PREVIOUS COMPLAINT AGAINST TU BUT YOU FOLKS JUST CLOSE UP EVERYTHING LIKE IT IS ALL FIXED. IF YOU CAN'T GETG THESE PEOPLE TO DO ANYTHING, COMPLAIN TO OUR ALLIES IN CONGRESS. PEOPLE HAVE A RIGHT TO KNOW WHAT KIND OF THINGS THESE COMPANIES ARE SAYING ABOUT US AND NOT FOR THEM TO BE FAST AND LOOSE WITH THE FACTS AND OUR PRIVATE INFO.

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 2024-08-15 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
This is my refilling of complaint to XACTUS, LLC for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. 

As per the bureaus you should inform and notify them that the inquiries should be block or removed in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NV

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

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to 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 possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of XXXX that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose. 

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees

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 2024-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.

Complaint narrative:
I enrolled in this predatory program without fully understanding what I was getting into. I was rushed though a multi-page document online which I did not fully understand. After making XXXX payments into my account of {$440.00} totaling {$1300.00}. Beyond Financial took {$1100.00} of that money in upfront fees. They only made XXXX payment on a XXXX XXXX XXXX. They said they would start debt settlements and making payments once enough money was accrued in my account. That means all credit card accounts with them go into default and accrue more interest. This company charges the large sum of XXXX per-cent of the original debt to service their fees. Fees must be paid before anything else starts to get even paid. This program used a slick sales agent ( XXXX ) to sell me something I did not fully understand, and would have never agreed to. This is a predatory program that once you get into you will be in worse shape than when you stated it. I lost {$1100.00} in FEES with them and now have to deal with all the debts they deceptively said they would settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: AZ

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

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 2024-08-15 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 explanation