vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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:
XXXX XXXX XXXX reported fake accounts around XX/XX/XXXX. XXXX placed a hard inquiry on my credit report indicating that I opened a new account. I never opened an account with this company. I mailed a validation letter around XX/XX/XXXX. 

This investigation has taken more than 30 days. XXXX requested me to validate the fake accounts according to my last complaint with CFPB. I have no account or file number to reference because the accounts do not exist. Remove the fake account from all reporting credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX reported fake accounts around XX/XX/XXXX. XXXX placed a hard inquiry on my credit report indicating that I opened a new account. I never opened an account with this company. I mailed a validation letter around XX/XX/XXXX. 

This investigation has taken more than 30 days. XXXX requested me to validate the fake accounts according to my last complaint with CFPB. I have no account or file number to reference because the accounts do not exist. Remove the fake account from all reporting credit bureaus.

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 2024-06-09 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: MA

Complaint narrative:
I received an American Express eGift card and have tried to spend it on XXXX and XXXX XXXX. Despite the gift card saying it's accepted everywhere that accepts AMEX, this does not appear to be true. Both merchants said American Express declined the transaction, although they do accept AMEX credit cards. I have confirmed my gift card balance and the items I'm trying to purchased do not exceed the balance. After searching online, this appears to be a very common issue with AMEX eGift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-09 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:
I am lodging this complaint personally. After examining my credit report, I found instances of late payments. Despite sending inquiries over 30 days ago, I have not received a response nor satisfactory validation. I respectfully seek your assistance in rectifying this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IN

Complaint narrative:
i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX 2 times a XXXX XXXX  XXXX  2 pay tommorow and 2 XXXX XXXX all is down in my name

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 2024-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I had recently had a collection account removed and blocked due to identity theft. The Original account was XXXX XXXX XXXX XXXX XXXX  ( {$2900.00} ) then the debt was sold to I.C Systems INC. I wasn't aware of the account until I.C Systems first reported it. So I took the proper steps sent a validation letter and went through all the timely steps on getting it removed, I first disputed account XXXX & on XXXX it was removed blocked & had an Fraud Alert placed on my account. Now this is where the issue lies, after the account was deemed fraudulent and the collector ( I.C Systems ) was blocked from reporting that debt, they sold the debt to XXXX XXXX and XXXX. Under Section 605B of the FCRA, the debt associated with that account should not be legally sold to another debt collector. Once that account has been identified as fraudulent & blocked it is supposed to be treated as invalid. Selling or transferring such debt doesn't comply with the protection provided by the FCRA. And under the Fair Debt Collection Practices Act, collectors are prohibited in unfair, deceptive or abusive practices. So this is a violation of the Fair Credit Reporting Act & the Fair Debt Collection Practices Act. In turn I was able to get the XXXX XXXX account removed from my XXXX account XXXX because it was linked to a blocked account and not compliant with the FCRA or FDCPA, but it remains on my XXXX even though they also know it was illegally sold. Can you please reach out to all parties ( XXXX XXXX XXXX XXXX XXXX, I.C Systems, XXXX XXXX XXXX XXXX, XXXX ) & make sure the law is being held up and all companies & credit bureaus are FCRA & FDCPA compliant. Please & 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection company is reporting false statements of a debt that is not mine. I never opened any accounts with XXXX listed on XXXX XXXX  or any other credit reporting agency. The latest email alert from XXXX XXXX states that this remark is negatively affecting my credibility. My personal credit report information was bought by the reporting collection company. I have no account number to reference because none in is provided.

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 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I paid Apple on a debt through my online banking, along with another credit card. It posted on XX/XX/year>. And still hasn't posted to my account. Yet the other credit card posted to my card on XX/XX/year>. I did an online payment with Apple linking my bank account to my card and the bill posted as received with in an hour to my account. I don't understand the huge delay with paying my bills through my bank, which has the potential to hit me with late fees. Yet every other debtor I pay gets their money in a timely manner. It is all done electronically. Yet when I link my banking to Apples credit card it posts as received almost immediately. As of the writing of this ( XX/XX/year> ) six days later my money still hasn't posted to my Apple account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IN

Complaint narrative:
i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX  2 times a XXXX XXXX  affirm 2 pay tommorow and 2 XXXX XXXX all is down in my name

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 2024-06-09 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: IN

Complaint narrative:
i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX  2 times a XXXX XXXX  XXXX  2 pay tommorow and 2 XXXX XXXX all is down in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RAN A REPORT AND DISCOVERED THEIR IS INCORRECT INFORMATION ON THRE. THE ADDRESS LISTED ARE NON-MAILABLE AND SHOULD BE UPDATED IMMEDIATELY. 

MY NAME ALSO SHOWS UP VARIOUS TIMES AND NEEDS TO BE CORRECTED.

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
i had an account with wells fargo and they refused to give me my funds even after proven the account belonged to me i opened the account inside of their bank and the teller mispelled my name and refused to fix it then when my XXXX transfer came in from a settlement which i was not to talk about this bank made me show them paper work and when i tried to close this account they stole my money and closed my account

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 2024-06-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my ex-husbands daughter ( XXXX XXXX XXXX ) went to the XXXX XXXX My name was somehow used and I received a bill for {$2600.00} from RPM Services ( Receivables Management Partners LLC ) after the account went into collections. 
The young lady is my ex-husbands daughter. She was XXXX in XXXX. I am not liable for her XXXX medical bills. 

On XX/XX/XXXX I responded to RPM and requested proof the following : 1. That receivables XXXX XXXX XXXX XXXX has the right to seek collection of the debt. 
2. The debt balance, including any explanation of interest or additional fees.

3. The date the debt because delinquent and date debt were sold to XXXX XXXX XXXX XXXX. The name of the creditor and the account number associated to the debt. 
5. The name and last known address of the debtor and it appears in the creditors records.

6. The names and all persons or entities other than the debt collector to which the debt has been assigned. 
7. I am also requesting a copy of the original contract or document that provides evidence of my agreement to the debt. 
Copies sent to : RMP via registered mail - XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX Tx XXXX On XX/XX/XXXX I received another bill from RMP with a settlement offer of {$1800.00} and a link to credit counseling. 

This is not my debt. I am not liable for another adult 's healthcare bill. 
I am filing this complaint because the company will not respond and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
First contacted about a loan that I did NOT apply for in XXXX of XXXX. 
Contacted them and notified them that This was not me, Nor was any of the information correct. They are to stop all application processes with my name on it effective Immediately without first Contacting me to for identity verification.

I have also notified them by phone.

And of course they cant do anything because the information I gave them does not match what they have on file. They were notified and told that was the point. 
Once again, same company tried to process another application in XXXX of XXXX, they were once again notified. Obviously they did nothing on there end. 
And AGAIN, they tried to process the same application on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Debt collection failed to provide debt validation with in 30 days. 

CRA failed to removed allleged debt. Requested debt verification with debt buyer on XX/XX/year>, they have not responded with stall letter and no proof this account belongs to me Amount requested is {$750.00}. Account shows inaccurate balance According to FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NC

Complaint narrative:
The creditor is reporting XXXX XXXX XXXX as late. The payment for XXXX was made on time and I confirmed with one of their representatives on the phone who told me it was made prior to being 30 days past due. This information is unlawfully being reported on my consumer report as late and as such much be corrected by law.

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Betterment LLC
State: CA

Complaint narrative:
I had an account, checking and savings with this company for a little over two years. I was continuously receiving statements and able to log in to view my account during this time. Well recently about a month ago, I logged in, planning to use the account for direct deposit for my job. I got an alert or message to contact customer service. I contacted them, went through a series of trouble shooting with a representative until the rep places me on hold and tell me that I would received an email explaining the steps to gain my account numbers for direct deposit. Shortly after this conversation, another rep or security rep, emails me and says that they have determined that my needs do not fit or align with the bank, so they closed my account. I sent them an email, asking how they determined my needs and more importantly how they determined that those needs didn't align with the bank. I never had any overdrafts or unpaid funds. I only deposited and utilized the account a few times when I first opened it. The response email I received stated that they weren't going to give me any information on their decision and how did I want my funds transferred. I sent an email, stating I wanted to know why my account was closed, and never got a response, or the remaining funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.

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 2024-06-09 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.

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 2024-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: WA

Complaint narrative:
When disputing my XXXX names listed on my credit report, they changed part of my name to a name I have never heard of and is absolutely incorrect. They literally made up part of my name.

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 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I requested proof that the account was mine and never received the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
Equifax stated that Payment history at late payments were updated which this is not true as you will look at the verified proof that I took from the Equifax website itself It shows past due history is inaccurate my question is how do you have past due showing 60 days then 90 then another 90 then 120 then another 120 Then it goes back to 90 and 90 that is incorrect past due are supposed to go as follows 30, 60, 120, 150 and 180 days. XXXX XXXX is showing 60 days, 60 days, 90 days, 90 days, 120 days, 120 days, 90 days, 90 days, 120 days. Equifax stated they verified it and updated which is not true as I reported this to you guys already as you look at picture it still shows inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation