vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
All three credit reporting companys XXXX experian XXXX. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.

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 2023-05-24 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: AL

Complaint narrative:
On XX/XX/XXXX I sent Transunion a letter demanding they remove specific incorrect and invalidated information from my credit report. This was my second letter to them. They did not respond and continued to furnish the incorrect information. They also keep refurnishing and updating incorrect information that I told them to remove. When it was time for me to go get a car, on XX/XX/XXXX, the dealership pulled my Transunion report and my score was unfairly low, and that resulted in my cost disclosure and interest to be very high. When I brought it to Transunions attention, again on XX/XX/XXXX, that they did not remove the inaccurate information from my report and that they were responsible for my inaccurate and unfair credit rating, they responded and told me the information I sent to them is not in my report. I have evidenced showing that it was never removed and is still showing. They are being negligent in their duties of fair reporting. They are blatantly ignoring and misleading me.

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 2023-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
ATT XXXX  has been attempting to collect a debt that is not mine, and their actions have been harassing. I only found out about this matter when I pulled my credit report upon seeing an unusual decline in my XXXX score on a credit card statement. I successfully disputed the matter with the XXXX credit reporting agencies and it was removed from my transcript. I also responded to the debt collector ( XXXX in XXXX, FL ) on their website per their instructions stating the following : " I have had no business with ATT XXXX, and this is not my liability. This constitutes an error by ATT, either by attributing the item to me, or failing to properly validate the identity of the person who used their services at account opening. The issue was previously investigated and resolved by the credit reporting agencies to my satisfaction, and I expect the same from XXXX, with no further collection efforts directed at me as a result of ATT 's error. Please confirm acknowledgement and resolution of this matter. '' XXXX did not acknowledge my statement as I had asked. Instead they have now passed the matter to another debt collector called Afni in XXXX, Il, who has been sending me repeated debt collection notices. 

I would appreciate your assistance with this matter, as ATT XXXX, XXXX, and now Afni have mishandled this matter and are continuing to harass me over this debt that is not mine. It seems to me ATT could have simply pulled up the call logs attributed to this account and easily identified the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I opened a Venmo account and verified my identity right away. My uncle sent me some money to help with my rent. He sent the money as product and services but later that day contacted Venmo to ask it be changed to the friends or family method. I also contacted Venmo to change it so I could have access to the funds. Venmo replied back with an email telling me I violated the ToS and that I can no longer use the service and have to wait 180 days to get my money. It's the only transaction on my account. Because Venmo did this I have been evicted from my home. I did nothing wrong for them to do this and the domino effect it had on me was devistating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2023-05-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVN and XXXX XXXX are in violation. XXXX is where I have made multipule disputes and XXXX states its verified. I have requested validation as well as the buyers purchase agrements. I have recieved nothing. It has been over a year. They by law have to be removed if not able to supply validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I receive calls from Commenity Bank in regards to XXXX XXXX XXXX XXXX credit card. At this time I am in a financial hardship which I have let them know however they constantly call XXXX times a day sometimes back to back. This morning ( XX/XX/XXXX ) at XXXX I answered the call and let them know I would be getting a lawyer involved and to please stop contacting me. At XXXX they again called back and previously at XXXX one that I did not answer. Yesterday XX/XX/XXXX they called XXXX times and before that on Sunday XX/XX/XXXX 4 times in one day, XXXX, XXXX, XXXX and XXXX. This has been happening for several weeks and I know the laws, they are not allowed to call more than XXXX times in a XXXX day period. There was one day XX/XX/XXXXXXXX  that they called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. That in one day is XXXX times, which is over the XXXX  times in a XXXX day period. This is beyond rediculous as I work several jobs and have children to tend to. I have all phone records to prove they are harrassing me on a daily basis by constantly calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been having this problem with XXXX for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week XXXX is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of XXXX scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting XXXX to you guys, please help me with some real-life solutions and results.

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 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CT

Complaint narrative:
Beginning on XX/XX/2023 the calls began, now I get 2 a day for someone that isn't me, they don't care! I've tried removing my number spoke with 2 reps and informed them that they have the wrong number to no avail, it just doesn't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has and continues to engage in Loan Servicing Fraud. RPS ( RightPath Servicing ) is misappropriating my mortgage payments by not applying them towards the contracted monthly mortgage payment as described in the mortgage agreement. RPS has deceptively created fees in order to create a false situation of payment distress. RPS is now attempting to implement a Loan Modification, simply for their own monetary gain. I have never requested a loan modification as one is not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is regarding my Experian credit report ( XXXX ) concerning XXXX XXXX XXXX XXXX XXXX XXXX ). This account was deleted from both, my XXXX XXXX ( as of XXXX ) and my XXXX XXXX ( as of XXXX ). Experian has failed to update their records to reflect that this negative information is no longer being reported to the credit bureaus or credit reporting agencies. In XXXX of XXXX, I subscribed to Experian 's Credit Works Premium and on XX/XX/2022 they provided credit information from all three credit bureaus, so they knew that this account had been deleted ( see credit score for XXXX provided by Experian ). It has been over a year since the deletion of this account and still, Experian has not followed suit and deleted it.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are multiple late payments reporting on my report. I was never late on any of these 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 explanation
Consumer complaint received 2023-05-24 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX has allowed the non-occupant, co-borrower to change my personal information TWICE without notifying me. My address has been changed two times within the last 45 days and has affected my credit bureaus. I've reported to FTC and my personal credit monitor company. XXXX has been notified and they denied. I have documents from them stating they did so. XXXX portal was changed twice, they again denied, I took screen shot before changing back to correct address. I am the primary, I live at this address alone, I've been through I'd theft before with high suspension that the same person is doing it again. I need XXXX to stop allowing others to speak to them without my consent. I need XXXX to stop changing my address without my consent. I need XXXX to stop giving out my personal information without my consent. I need XXXX to correctly report my permanent address back to the credit bureaus immediately. All documents and letters sent by XXXX will be retained for court viewing only! I am submitting one document that was sent certified mail twice to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through XXXX ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately. 

As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating. 

Thank you for your time. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion LLC are consumer reporting agencies and I am the XXXX. 

Any and all consent to XXXX, Transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.

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 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm gives the option to connect your bank account through a company called XXXX on top of providing a debit card for loan repayment. I linked my account thinking it would be easier to have this rather than my debit card that sometimes gets changed. They do not explain that they will be viewing your account balance through their app on a regular basis. Once I discovered this, I tried to unlink my bank account through the app which is not possible. I called customer service at ( XXXX ) XXXX and was told by their rep that once an account is linked, it can not be unlinked. I work in XXXX and my company uses a similar system and I know that we can not have perpetual access to someones account information, of course a linked account can be unlinked. So, I requested to speak to a manager who also said an account can not be unlinked. I requested assistance with IT and my request was unacknowledged. I was then told the only want to resolve the issue was to close my account, which seems extreme. I feel like the constant review of my bank balance AND the inability to remove the account is a violation of my personal rights and I can not imagine how or why they would be allowed perpetual access to my personal bank account information.

Company response to consumer: Closed with explanation