vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion credit bureau has ignored my request to investigate 9 inquires that currently sit in my credit file, I compared my XXXX, Transunion and XXXX scores and details and Transunion is showing almost XXXX point variance, when I looked more thoroughly I noticed there were an exorbitant amount of inquiries, when I contacted the lenders that alleged pulled my Crdit they says they haven't pulled my credit I asked Transunion to investigate they did not comply, I disputed these inquiries by mail and online multiple times. these arent my inquires. 

XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX. XXXX ( Bank XXXX XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX ( Bank ) 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I sent letters off on XXXX, to SOS GROUP for the alleged debts of {>= $1,000,000}, and XXXX that I do not owe and I have not heard from them nor received the requested information that I asked for. I never had any dealing with them nor owe them any money concerning any debt. 

Dear SOS GROUP DBA HEAD MERCANTILE CO INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 1 ) XXXX XXXX  - Account # XXXX 2 ) XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX ) XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXXXXXX XXXX Account Number- XXXX XXXX ) XXXX XXXX XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXX -Account Number- XXXX XXXX ) XXXX XXXX  - Account Number - XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX - Account Number- XXXX has violated my rights. 

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

15 U.S.C.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-17 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX5 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: WA

Complaint narrative:
On XX/XX/XXXX I applied for a home mortgage through my lender, XXXX for a new home sale. 

On XX/XX/XXXX, I was called by XXXX XXXX, an IT Director of a company called XXXX XXXX XXXX XXXX, XXXX  ), telling me they had purchased my data through Transunion and my full name, birthday, social security number, credit score and address had been breached. One of their employees texted out a spreadsheet with this info and I was 1 of 34 people on it. I asked XXXX more questions- how XXXX is related to XXXX and who the excel was sent to and he could not confirm either. He insisted I needed to freeze my credit and sign up for identify protection. He also told me that he had emailed me and texted me, neither of which I ever received. It sounded like a scam, but a week later, I received a XXXXXXXX XXXX  package at my mailing address confirming this information and offering an identify protection program I had never heard of. I am now paying for an independent identity protection program myself. I am horrified that this stranger and their company does indeed have my home mailing address and knowledge of applying for a mortgage loan. 

The original person who contacted me identified themself as : XXXX XXXX with the following contact information. 
XXXX XXXX XXXX XXXX I have uploaded the letter I was XXXX XXXX. The person who signed the letter was named XXXX XXXX. XXXX 's voicemail is not setup, and I can not get through to her after two weeks of trying. XXXX still answers the phone, with no information, and although is the " Director of IT '' - he can not seem to get me through to XXXX. I told XXXX last week that I am going to contact the FTC and file a police report and he told me it " wasn't fair '' though he can provide no information or solutions. Something very off is happening at this company, or someone is impersonating this company. 

Since receiving the letter, I have not been able to get a hold of anyone at XXXX XXXX or any of their sub companies XXXX XXXX XXXX XXXX, XXXX  ) by contacting the numbers in the letter or the general company customer service numbers from XXXX. I have left numerous voicemails and XXXX reviews but no one will return my call. I think this company needs to be shut down for malpractice. This is absolutely unacceptable.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I am financing a vehicle and I agreed to do an auto-pay so that the company charges my account the {$390.00} every month. 
I am in the market to buy a house and a credit specialist asked me, " Why I'm not making my car payments ''? 
My car company did not process certain payments and instead of contacting me about it, they just threw it on to my credit. 
Even though this is an error on their part, I was told that even if I pay the amounts that they did not process, they can not remove it from 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On or about XX/XX/2023, I received a declination letter from XXXX XXXX XXXX ( Early Warning Services , LLC ) from another state ( Arizona ) declining the opening of an account. I don't live in Arizona and have never applied for any type of account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: FL

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. 

Account name : XXXX XXXX XXXX Account number : 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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This is the second time within the past six-eight months that Convergent has sent me notification about a debt I never owned. I brought the matter to the CFPB and it was removed from my credit report. Now they are at it again. 

I never purchased, scribed, sponsored or gave anyone permission to get service or a phone from XXXX XXXX. They claimed I owe {$1000.00} to this company. I do not! 

My credit score has improved and if they are allowed to introduced this again my score will be tanked again and it will set me back a second time for many months, even years.

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 2023-04-17 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: PA

Complaint narrative:
EQUIFAX is obligated by FCRA to report accurate accounting. Consumer has advised ALL ACCOUNTS AND INQUIRES reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: LEXISNEXIS
State: PA

Complaint narrative:
I ' ve reached out to LexisNexis regarding information on my consumer report to be removed. They claim it's valid. I don't understand why addressees are on my report and I've never lived there. I don't understand why different variations of my name is on there. I spell my name one way because another entity refer to me as another it should not be made part of my profile. If I never lived somewhere it should not be a part of my profile. I pay extra for another Layer of privacy, not listed non published yet LexisNexis has my phone number as part of profile. My cell number is private they also have that as part of my profile. I don't understand why my childhood resident is relevant to my profile. I've lived at the same place for 23 years why where I lived when I was XXXX relevant to my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My accounts with Capital One were compromised in XXXX of last year. I have checking and savings as well as a credit card. Everything was cleared up and the money has been replaced. I just want to close my account and get my money back. I have verified the account several times with my ID and they keep telling me to go to the branch, which there are none of in my area. I just want to close my accounts and get my {$16000.00} back. I have been getting the runaround from these people for the last several months. I have submitted my id several times and yet they keep telling me to go to their nonexistent branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: VA

Complaint narrative:
I made a purchase on Mercari.com, which prohibits the sale of counterfeit items, but I received a fake item. I was unable to contact the website within the 3 days rating period, but when I did contact them, they gave me a 30 days exception. They asked for images proving inauthenticity and a third party confirmation. Although it was difficult and time consuming to obtain these, I was able to in the end. Once I did, I received a message saying I am outside the 15 day period. Them changing their words from 30 days to 15 days back to 30 days and then 15 again happened twice ( see attached correspondence ). Both the purchase was a fraud and Mercaris emails were fraud, promising resolution under some terms, and then breaking their words. They lied in writing. The item purchased link is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would truly appreciate your assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-17 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: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Or a list of inquiries : 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 an 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 or 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 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There is an account for Comenity Bank/Express showing up on my credit report. I have no knowledge of this account, and never opened a charge card. My personal information has been breached multiple times, and my credit has suffered. 

Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I tried to file a phone claim that XXXX XXXX XXXXXXXX is rigged. I lost XXXX in less than an hour .The lady who helped me on the phone made an error and disputed my winnings of {$3200.00}. I contacted the bank numerous times and have gotten the run around. m and t bank has put my account at negative {$4700.00}. Bc of their careless actions. I have not gotten this resolved as of yet. The customer service has been unhelpful and I don't want to go to a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In short they made an error and need to fix this immediately. As I am losing sleep

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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