vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
The XXXXXXXX XXXX XXXX XXXX belongs to XXXX XXXX a small business. Yes i am one of the owner of XXXX XXXX our law clearly states a company card if belongs to XXXX  is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike 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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit management is falsifying I owe XXXX for credit card bill. I had no knowledge of this debt until it was on my credit report. I tried to explain to multiple representatives when I lived in a family household someone may have used my information. I asked midline multiple times for a signed contract with my original signature, a IP address to pin point where/ when this account was setup. Still they have not produced any documents with my signature as proof. Requested this fraud entry to be removed so I do not have a pursue legal action against Midland credit management

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: MS

Complaint narrative:
I sent a request to have one address and be address only on my credit reports. My new address was updated but the other addresses have not been deleted. 

The only address that should be on my credit reports is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

No other addresses should be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: MS

Complaint narrative:
I sent a request to have one address and be address only on my credit reports. My new address was updated but the other addresses have not been deleted. 

The only address that should be on my credit reports is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

No other addresses should be on my 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 2024-10-20 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: OH

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease further communication with the consumer regarding that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I already submitted fraud & incorrect information on the last dispute and last 3 complaints i sent to Consumer finance site. everytime i submitted my complaint the company updated my address on the File their trying yo collect!!!! when i complained thats when they updatrd my address to that file because they had to send me the requested information!!! they marked the account as STILL open! i never used this account ever and they leep updating my actual addresses to this Credit card file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On Friday, I attempted to follow the instructions and called during business hours to verify my identity. However, the customer service representative was unable to access the verbal identity protocol and transferred me to a different department. They informed me that there was a glitch that required fixing, which could take 7-10 business days to resolve. This was the same response I received a month ago. Regarding my new address, I had already provided this information over the phone to your representative, who updated it after I noticed I was having this issue. If necessary, I still possess my previous home and phone, as well as my new home and new number. Several months ago, I sent bank statements from XXXX XXXX, my previous voter registration card, and a photocopy of my ID, which a representative confirmed as received. Now you are requesting that I submit these documents again. My phone number has not changed ; I urgently need my credit unlocked as this situation has persisted for far too long. I continue to experience delays and obstructions. 

Old home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE : XXXX ( Old number ) still current New home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PHONE : XXXX ( new number ) DL : XXXX DOB : XX/XX/year>

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 2024-10-20 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: TX

Complaint narrative:
I took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. XXXX was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.

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 2024-10-20 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 took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. XXXX was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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 took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. XXXX was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.

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 2024-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.

Complaint narrative:
hi on XX/XX/year> mercury.com bank sent me an email saying that they would close my business account of which I am the sole owner 100 % on XX/XX/year> because they noticed that I reside in the XXXX which is a country they no longer support. After explaining that I am a resident of XXXX but I was in the XXXX for vacation they replied that the account would no longer be closed advising me to ignore the previous email, so sure of this I deposited some money having a total balance of {$2600.00} but on XX/XX/year> my account was closed anyway and I am no longer able to receive my money.

Mercury.com says that the only way to receive the money is to send the check to my XXXX company`s legal address, but the check never arrived and they never provided me with a tracking number so I could monitor the shipping status. Last month they told me they would resend the check but I still have not received anything. Since it was their communication error telling me they would not close the account I asked for my money to be returned directly to one of my active bank accounts that with other banks but mercury.com refuses my request saying that the only solution is to receive it by check. Since the check has not arrived I ask for help to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Early Warning Services, LLC
State: LA

Complaint narrative:
Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID Type : Drivers License ID # XXXX XXXX XXXX XXXX XXXX XXXX  Early Warnings Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following that appears on my Early Warning Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX Account # XXXX Routing # XXXX Bank Name : XXXX XXXX Account : # XXXX Routing # XXXX Bank Name : XXXX XXXX Account # XXXX Routing XXXX It is NOTED that several checks were written I DONT write checks so all check usage should be blocked also immediately pertaining to the above routing and account number. 

Bank Name : XXXX XXXX Account # XXXX Routing # XXXX Bank Name : XXXX XXXX Account : XXXX XXXX Bank Name XXXX XXXX XXXX XXXX  Account # XXXX Routing # XXXX Bank Name XXXX XXXX XXXX  XXXX Account : XXXX Routing XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Name XXXX XXXX XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Also they have a bunch of inquiries Dating from XX/XX/XXXX up until XX/XX/XXXX that are NOT mines. 





I dont recognize the following accounts in question. I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my early warnings report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX, to provide formal notice regarding the significant harm caused by the erroneous information that Early Warning reported to financial institutions, which resulted in the unjust denial of critical banking services. These errors are in direct violation of federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Although Early Warning has since acknowledged and removed the erroneous information, the financial damage and harm to my creditworthiness have already been inflicted. Your failure to ensure accurate reporting has caused me substantial loss, and you are now in default under the following violations : Violations and Laws Applicable : FCRA Section 623 FCRA Section 604 ( A ) ( 3 ) FDCPA Sections 806, 807 ( 8 ), 809 ( b ), and 811 ( a ) ( 2 ) Misrepresentations by Early Warning about their reporting or the debt are actionable regardless of intent. 
Early Warning can NOT be both purchaser and assignee it is one or the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: AL

Complaint narrative:
XXXX  please delete this item as XXXX has already deleted from my file this account is fraud due to identity theft and I have provided police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
Here is a list of the unauthorized inquiries : XXXX XXXX ( XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was stolen and use to open and inquiry about my credit history which show a lot of hard inquiries

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 2024-10-20 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, a checking account was closed at DIGITAL FEDERAL CREDIT UNION, and subsequently charged off, then ultimately reported to XXXX as a derogatory item in my name, and on a credit report with the company XXXX. This account is FRAUDULENT and a result of IDENTITY THEFT. I have attached all necessary documents to provide all legally required proof of such statement, and I as the consumer do state that all information in this complaint/dispute is true to the best of my knowledge. Please remove the account from XXXX, and halt all attempts to hold me liable for this fraudulent account. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), you have ( 4 ) business days to block the reporting of this information. I demand that such action, under my rights afforded to me by the FAIR CREDIT REPORTING ACT, be taken immediately. I will not let my rights be violated and I will take every necessary action in order to rectify these fraudulent accounts reporting negatively against me, including pursuing litigation if these demands are not met in the allotted time frame. 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I use to live in XXXX  and I had a bank on America prepaid card to receive my edd benefits. They recently sent me XXXX checks but it's definitely not enough. I just did a bank of america request online to request more compensation. During the time I had the prepaid card..my card was always locked and I had minimal access to my funds. I'm a single mom and that was devastating. My account was also compromised so I did some disputes and they were denied at the time. I believe they are still some benefits ( cash ) I haven't recieved ....

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 2024-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Propel, Inc.
State: IL

Complaint narrative:
On XXXX XXXX XX/XX/XXXX and XX/XX/XXXX thro XX/XX/year> also XX/XX/year> until current Ive had fraud charges in my bank account with Providers bank now Propel They wont help me Ive sent them all documents including police report number as well as the proof of my phone company XXXX data breaching my social security number and dob on XX/XX/year> per XXXX through XXXX they wont credit me back either they have allowed 6 extra fraudulent lines add to my account had a phone stolen and they allowed the girl to hook it up to my account Ive complained over and over went to the store the bank closed my account out out XXXX XXXX XXXX XXXX XXXXXXXX Im to be paid back almost $ XXXX and I want my money I want to sue these two companies for data breaching and not protecting my personal information as well as funding allowing anyone to just spend and have access to my online accounts they are rude and ignorant this is a federal offense and I want justice and my money I have names of the individuals and all documents to prove the truth of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Certification of INDEBTEDNESS thats effected my credit score and dropped to less then POOR as well as they never credit my securities from the dividend payment of my treasury coupon, VIA electronic funds transfer act of the interest on my treasury coupons. 3 years of misleading false reporting credit that cause mental and physical agony, and embarrassing situations with applying to company and business loans and situation according to the uniform commerical act and security exchange act, their are multiple Security Fraud and VIOLATION. 15 USC 1681 removal due to mandatory of arbitration clause. 15 usc 1692 & 16 CFR 4333.1 TIAL, SECURITY FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NY

Complaint narrative:
I'm trying to get hired for XXXX and the background check came back saying my license not valid like I'm a passenger driver and stuff like that and it's not true I took care of the problem at the DMV around the XXXX or XXXX of XXXX and XXXX verified that my background check came back on the XXXX and it was some problems with my license can you please fix the issue i would greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
Here is a list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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