vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps the agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, Please see below and attached - I was a victim of identity theft and fraudulent information on my credit report is damaging my ability to obtain credit and needs to be fixed. 

Attached are : my complaint my drivers license, social security card, and address my ftc identity theft report Please have my report fixed 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 2023-09-25 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:
Experian, There is wrong personal information on my Experian credit report - I need to have that fixed as soon as possible as its damaging my ability to obtain credit. 

Attached to this complaint are : - my written and signed complaint - my drivers license, social security card, and address

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sent money through venmo and realized it was a scam. Venmo said they could not help and did not support in suspending the account or recovering anything from the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
As a conscientious consumer, I take my financial obligations seriously and believe in the importance of responsible debt management. I have been contacted by Resurgent Debt Collectors regarding five separate accounts, all of which they claim I owe. However, despite multiple requests for validation and proof of these debts, Resurgent Debt XXXXollectors have yet to provide any satisfactory documentation to verify the validity and accuracy of these claims. 

I would like to emphasize that I am fully committed to resolving any legitimate debts that I may owe. However, I believe it is my right as a consumer to request and receive proper documentation and verification of these debts before proceeding with any further actions. My attempts to obtain this information directly from Resurgent Debt Collectors have been unsuccessful, and I believe their lack of response raises serious concerns about the accuracy and legality of their collection efforts. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Resurgent Debt Collectors provide the necessary proof of debt for each of the five accounts in question. I believe that a thorough examination of this issue will not only protect my rights as a consumer but also uphold the principles of transparency and fairness in the debt collection process. 

Enclosed with this letter, you will find copies of my written requests to Resurgent Debt Collectors for validation of the debts, as well as any correspondence I have received from them. I am committed to cooperating fully with any investigation or inquiry that the Consumer Financial Protection Bureau may undertake to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-25 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: DE

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-09-25 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: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed employers, addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove it urgently.

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 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i am a victim of identity theft, please the documents

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 2023-09-25 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: NY

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 2023-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
Experian, Please see below and attached - you need to remove myself as authorized user on the XXXX XXXX XXXX showing on my credit report - I have requested that and XXXX XXXX  has agreed. 

Please remove me as authorized user as soon as possible as this is damaging my credit. 

Attached to this are : - written complaint - drivers license, social security card, address - letter from XXXX XXXX  to remove me as authorized user. 

Please handle this as soon as possible.

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 2023-09-25 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding is claiming that I owe a debt that I know nothing about. I have tried to get this handled on many different occasions. Please see the attached letter from the original creditor stating that they could not verify the account. Also attached is my initial complaint to the company naming Midland Funding and the account number listed on my credit report. I have already informed Midland when they would call me that I did not have a debt with this company. Midland along with the credit reporting agencies are in violation of many FCRA and FDCPA regulations along with negligence. At this time, I am only requesting the removal of the account MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX ) XXXX. I do know that I am entitled to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/ XXXX XXXX XXXX XXXX  a check for XXXX dollars was deposited into my daughters account at a ATM that wasn't associated with my account or her account and they made the funds available at XXXX on XX/XX/XXXX and someone withdrew XXXX at the same Atm .Me or my daughter did not withdrew the funds. I called the bank and also went into a branch to try to resolve the situation and now they are trying to make me liable for the money that was withdrew, because they said her card was use and her pin. I am the owner of the account because my daughter was XXXX XXXX age when she got this 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
Equifax, There is incorrect personal information on my credit report that is hurting my ability to verify me and get credit - I need to have this fixed immediately. 

Attached to this complaint is : - written complaint - drivers license, social security card, and address Please have this fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/2023, Wells Fargo used excess XXXX funds to pay off mortgage without notice and without permission ( complaint already filed : XXXX ). 

On XX/XX/XXXX, I received an email from Wells Fargo indicating that my " new escrow review statement is available online ''. Upon review of the Final Escrow Statement, I discovered an accounting discrepancy between that statement and that of the XX/XX/ ( regular mortgage payment ) disbursements of funds : The mortgage payment detail claims {$420.00} was collected and added to the Escrow account ; however, the Final Escrow Statement indicates that only {$400.00} was collected and added to the Escrow account in XX/XX/, leaving an excess of {$63.00} to be refunded. No explanation of this discrepancy has been provided by Wells Fargo. There also is no detailed accounting for the disbursement of funds from the XXXX account on XX/XX/, which were used to make the final mortgage payment.

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 2023-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Opened charge card in XX/XX/2023. Charged in XXXX but did not receive charge card or any communication from the store regarding charge card or payment process to pay due to XXXX XXXX does not handle the XXXX XXXX in-store. Was told they did not even have the information to give me on how to contact the charge card company. Finally, after 4 visits I was given the name of Comedity bank for payment. I paid the first bill and then the second. But had not used the card again due to the extremely ridiculous payment process. On XX/XX/XXXX, I called Comedity and had the account closed. At that time, the bank said there was a XXXX late fee on the account and she would remove the fee due to it being a late fee. I asked her how there was a late fee when the card was not used and she didn't know. The card was closed by me in XXXX and according to my credit report XX/XX/XXXX, the card was no longer operational. Imagine my surprise to open my XXXX XXXX  and see XXXX XXXX stating I owed {$95.00}! After the circle and looping of multiple calls. I finally was told that I was charged another XXXX in late fees and since I did not pay that along with finance charges on a XXXX balance, I am now being charged XXXX the some other kinds of charges. This is an outrage. First I don't get the charge card or a way to pay the bill, then they charge me for being late, which I was not, and then charge late fees and finance charges on late fees and finance charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
I found inaccurate information in my TRANSUNION credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. 

We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquenXXXX, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove it urgently.

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 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: FL

Complaint narrative:
I received a letter from ATG Credit LLC claiming I owe over {$16000.00} in debt to XXXX XXXX. I've never even had an account with XXXX XXXX and do not owe them anything. When I called to find out how to clear up the misunderstanding, " XXXX '' hung up on me twice because I wouldn't provide personal information. They used aggressive tactics and harassment to try to get me to pay a debt I've never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
A chat representative revealed to me that Mr Cooper had not actually done what I was told they had done to keep me from getting contacts. Chat attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation