vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely 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 non-monetary relief
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Social security number is XXXX my complaint con XXXX credit report theirs three adverse negative accounts that are fraud it's supposed to be removed theirs a federal trade commission identity theft report on file. And XXXX  credit report theirs is one negative account that's fraud it supposed to be removed from XXXX credit report I have a federal trade commission identity theft report on file and equifax Credit report their is one negative item that's fraud it supposed to be removed from my equifax Credit report theirs is a federal trade commission identity theft report on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was a victim of the XXXX security breach, I checked my credit and I have five open accounts in the negative that are not mine. The only thing on my credit should be two XXXX loans. I have attempted numerous times to clear this up and nothing. I am part of the class action law suit against XXXX can you please tell me how to take care of this I have contacted all three credit agencies. I have gave them the accounts but I haven't heard back from them

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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 2023-12-25 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
A {$50.00} American Express XXXX XXXX was purchased for me on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, FL. I received the card as a gift one week later. Since then, every transaction I have attempted with this card has been declined, but not for lack of funds or error on my part. 

Purchases were attempted at XXXX, XXXX different gas stations, a XXXX XXXX, a XXXX XXXX XXXX, and at two other online vendors. All failed. When I contacted American Express customer service on XX/XX/XXXX, I was told that the card was fully functional, and that I should seek out different vendors if the card was not accepted there. I have yet to find any vendor that accepts this card, and my experience is similar to hundredsif not thousandsof other card recipients online : XXXX XXXX XXXX We are all told that our cards are fully functional, yet they are not functional at nearly any vendor. This issue is not seen with XXXX and XXXX prepaid cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
This account has been paid in full since on or around XX/XX/2023. 
Attempts to resolve this have been unsuccessful and the account balance remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: CA

Complaint narrative:
This account has been paid in full since on or around XX/XX/2023. 
Attempts to resolve this have been unsuccessful and the account balance remains.

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 2023-12-25 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent three letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified.

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report.

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: TX

Complaint narrative:
I have sent three letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. 

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
When I first applied for the card the store associate put the wrong address on my account. When I figured out the address was incorrect I called in to correct the address and get a new card. The agent was irritated with me so I'm guessing she didn't update the information and sent out a new card to the wrong address again. I called back to let them know I never received a card and I couldn't access my account with out the numbers on my actual card. They were sending it to XXXX. Finally, that card was cancelled and they sent out a new one. It took about 3 months for me to get an actual card so I was not able to create an account to make payments. I requested for the agent to have those late payment removed since it was their error twice and she said yes. But those late payments are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Social security number is XXXX my complaint XXXX  equifax XXXX  theirs is three adverse negative items the three accounts are fraud they supposed to be removed from my XXXX  report theirs is a federal trade commission identity theft report on file sine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Social security number is XXXX my complaint XXXX  XXXX  experian theirs is three adverse negative items the three accounts are fraud they supposed to be removed from my XXXX report theirs is a federal trade commission identity theft report on file sine 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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i was checking on my credit report, i saw XXXX accounts, XXXX LVNV FUNDING LLC {$3100.00} Open balance Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2023 {$1700.00} Open balance XXXX XXXX XXXX A Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Last reported XX/XX/2023 {$1300.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor THESE Accounts shouldn't be in my credit report, at all, without my consent they gone to my personal details and addresses have expose my information to the XXXX web, i have received phone calls threating me for money and bank statements, 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any infomation relating to a consumer to any consumer 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 2023-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This is my 3rd complaint with National Credit Systems and XXXX XXXX about a rental dispute and debt that's not owe, I've asked for the copy of a re-signed lease with me and my wife 's signature on it and all they keep providing is the lease that XXXX prepared with no signature on it. They originally tried to charge me {$5000.00} and saying that was breaking the lease and fees etc... .it wasn't until I filed my complaint with the XXXX  that I was finally given a itemized spreadsheet that I've been asking for since we've moved, we never signed a new lease and we've given XXXX a early notice notice that we weren't resigning the lease, she didn't want us to move... We we're looking for more space so she told us that they were going to have XXXX XXXX which is a 3 bedroom unit, and our unit XXXX was a 2 bedroom and we had a growing family, XXXX XXXX us she can try to get us in XXXX and we stated if she could then we'll do a new lease for XXXX but until then we'll do month to month while we wait. XXXX couldn't get us the XXXX bedroom so we searched and found a new place and she was upset and didn't want us to leave. But we've never signed a new lease agreement, it was originally reported at {$4700.00} and then at {$5000.00} which I've proved on in previous disputes and nothing was done but once I filed the complaint with the CFPB National Credit Systems reduced it from {$5000.00} to {$3300.00} ... .I will send screenshots from the previous disputes, along with the copy of a unsigned lease that they've sent me, I've been trying to get this issue resolved for almost 2 years now and it's affected my ability to rent ... .Also this account was already removed from my other credit profile except XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account has been paid in full since on or around XX/XX/2023. 
Attempts to resolve this have been unsuccessful and the account balance remains.

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 2023-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent several letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. 

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report.

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
hello on XX/XX/23 I placed a dispute with Transunion agency and they did not complete or process my rquest. I signed in online and they have yet to process my request. I know that they have 30 days to process my request and they have yet to complete anything.

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 2023-12-25 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: TX

Complaint narrative:
While checking my credit report, i was seeing alot of hard inquires that don't belong to me, of accounts that dont actually have data for the months they have reported, there's a cap in these accounts that don't actually match.

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 2023-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I received an American Express pre-paid gift card for XXXX for {$50.00}. Everytime I try and use the card, it says payment declined by card issuer. I checked to make sure XXXX took Amex, and they do, so I called customer service. Customer service advised me the payment is sometimes declined to protect the customer and there's no way to tell who is going to take the card. I said, they take the card because I checked, and they said to just try another store. They weren't any help so I did some research and this apparently is a thing with them. Why make a card the customer can't even use? The card didn't even have the full XXXX, it said the balance was XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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