vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To whom it may concern, I am writing to you today to file a complaint against Equifax for failing to correct an incorrect name on my credit report. 

On XX/XX/2023, I submitted a dispute online through Equifax 's website. I attached images of my state ID, birth certificate, and social security card as proof of my identity. Within 24 hours, Equifax responded to my dispute stating that it had been completed. However, my name was not actually changed. 

When I called Equifax to inquire about this, I was told that they had received the images I submitted, but they now required me to send a photocopy of the documents via mail. I explained that I had already provided this information digitally, as they had requested, and that they confirmed that they had it on file. However, they refused to update my information without a photocopy of the documents sent via mail. 

This incorrect name on my credit report has had a significant impact on my ability to obtain credit. For example, I was can not obtain a fair mortgage because the lender was unable to obtain a credit score from Equifax due to the discrepancy in my name. I have also been unable to obtain other forms of credit, such as a car loan or credit card. 

I have never changed my name, and I do not go by any aliases. The incorrect name on my credit report was simply entered into Equifax 's system erroneously. I have provided Equifax with ample evidence to prove that I am the owner of the account, but they have refused to update my information. 

I am requesting that Equifax immediately correct the incorrect name on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from Spring Oaks Capital , LLC. 

We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. 

To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. 

This message is regarding your XXXX XXXXXXXX account originated by XXXX Bank, which is now owned by Spring Oaks Capital SPV , LLC. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I disputed several items on my TransUnion credit report. On my letter, I requested that TransUnion, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. 

After several months, TransUnion has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my TransUnion credit Report. TransUnion is in violation of Federal Law under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I. C. SYSTEMS COLLECTIONS DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT AS OF XX/XX/23 AS AN OPEN ACCOUNT. WHICH IS INACCURATE I AM ASKING THE FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEN AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. AGAIN I HAVENT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL, BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have received countless emails from LVNV FUNDING LLC for harassing me. I sent them a certified stop cease letter 6 weeks ago, but they are still emailing me nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
My wife and I own our home in XXXX XXXX, FL, which took a direct hit from XXXX XXXX on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, XXXX XXXX, to request a XXXX extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXX XXXX XXXX XXXX or it's processing company, XXXX, is helping me with this. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: MS

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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
Hello On XX/XX/XXXX at XXXXXXXX XXXX I tried to purchase movie tickets from the company XXXX  the price was {$34.00} I received an error message that says " we are sorry, but there was a problem reserving seats at this theatre and right after that I received a text from XXXX  that says you spent {$34.00} at XXXX I called XXXX and asked them where are my tickets they said the sale was voided I asked them why and I never got an answer but by that time I didn't care I was only concerned about getting my money refunded I asked them specifically if I did not purchase anything why didn't they send me an e-mail confirmation about the voided sale then they sent me an email that has their policy about unsuccessful transactions I asked each company why my funds were being held if I made no purchase and they both blamed each other and I was not told how long I would have to wait for the release of my funds it was 7 days I want to know as a consumer do I have any rights If the company voided the sale right after I attempted to make a purchase why did they hold my funds it was clear that nothing was exchanged money for service or goods just two companies playing around with me for a week on the XXXX  account it doesn't even show that the funds were refunded I just got a text message like it never happened my children and grandkids rely on these cards they are college students if they attempt to purchase something and the sale doesn't go through and their money is held up for 7 days that could be disastrous for them I was fortunately able to go to the theatre and purchase the tickets I am concerned for people who rely on these cards to reiterate if the company canceled the purchase on their end and there Is no sale why did they place a hold on my funds for 7 days the card company said they did not place the hold and the company said the same I have chat messages from both telling me to talk to the other company XXXX XXXX is not accepted everywhere ok so if that's the case then why can't I be told that at the point of sale so I can use another pmt method which is what I think may have happened since nobody said why they didn't let me use the card I have used it with no problem ever before or since then

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXXXXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off 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 2023-06-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX  Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CT

Complaint narrative:
I will attach the email below between the collection agency & myself. The agency is trying to ask for money that we do not owe. I gave my property manager enough notice to vacate & that she would rent to us again. I have both our signatures. I moved out before my parents. Our lease was up XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I was released from the lease. My mother was also there as a witness when we signed the document My parents as well have had signed a separate move out notice before they left. There was not a third line for me to included. My parents & myself have fulfilled the lease. They are trying to make us pay for renovations! Also they stated we didnt have a security deposit, which in fact we did on the original lease!!! 
Always make sure to get copies of everything you sign. I have gotten nowhere with this agency & they are indeed trying to collect money that we do not OWE! 

I will attach my move out notice, my parents move out, the email between the agency & myself explaining the situation & the original lease thats shows in fact that we did have a security deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of the west told me over the phone my check would be available the next day and I would have {$100.00} available to spend and not only did they place my check on hold but you proceeded to overdraft money from the available balance they gave me. Completely unacceptable, its a ridiculous mistake on their end. Theres no way over the phone Im told I will receive it the next day then I go into the bank Im told 11 days. That is just unacceptable. I demand some form of answers and I dont want to hear theres nothing that can be done, Im not going to be feed every day until the XXXX and thats simply what it is. They shouldve instantly placed the check on hold if thats the case not over night past midnight after I used some of the available balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief