vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: NM

Complaint narrative:
Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( TransUnion, XXXX, XXXX ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.

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 2023-12-14 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: PA

Complaint narrative:
I recieved a letter from LVNV Funding aka RESURGENT regarding an XXXXXXXX XXXX XXXX  account and I sent in a dispute letter to them on XX/XX/2023 stating this proposed debt was originally disputed with the original creditor. I sent them this within the 30 days validation of debt notice. On XX/XX/2023, LVNV Funding listed this disputed debt on my credit bureaus with an open balance. Under the FDCPA which governs collection this is a violation of my rights as they can not report this to a consumers credit under a dispute. I want this removed from my personal credit file. 

I have attached my original letter that was sent to them within 30 days of first notice along with an attached screen shot of my credit bureau showing the collection account and balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover abruptly closed my secured card, on the very month it was going to be moved to unsecured and my security deposit refunded. They claimed I did not prove identify verification and also claimed they sent me emails, I even asked the date they supposedly sent these and I did not recieve XXXX notice or request of information from them. They have also kept my security deposit, and continued to try to take a final payment from my account ( attempted to process a few times, when I had already paid the account in full. ) I was told I would get my deposit back in the mail but it looks like the absorbed it, by taking {$150.00} from a payment that failed ( because I no longer owed them ) they added a new {$150.00} balance to my account and seemed to have pocketed my deposit. This tanked my credit score, and it is all too convenient that they did this after I complied with the XXXX  months of good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
This has been in effect over a year that medical collections are not allowed to be on my credit report under {$500.00} ... yet i have spent time and money on a home loan to move forward due to the impact of these collections from wakefiled on my credit report i was unable to be approved. This collection was added to my report as recently as last month. Wakefiled knows that this collection is under {$500.00} and yet continue to report it every single month. This is wrong. I demand that both collections are deleted from my credit reportand hope that you investagate their predatory preactices against the consumer like me. We are struggling to acheive the dream to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
I WROTE EACH COMPANY REQUESTING DOCUMENTATION SHOWING PROFF THESE ACCOUNTS BELONG TO ME.THESE ACCOUNTS WERE DONE FRAUDULENT. I WAS NEVER GIVEN PROOF SHOWING THESE ACCOUNTS BELONG TO ME BECAUSE MY DATE OF BIRTH AND MAILING ADDRESS IS INCORRECT. THEY ARE CONTINUING TO KEEP THESE ACCOUNTS ON MY CREDIT EVEN AFTER BEING NOTIFIED THEY DONE FRAUDULENTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
While caring for my mother in late XX/XX/XXXX, I contracted XXXX at XXXX XXXX which is now XXXX XXXX XXXX  XXXX I was admitted to the Florida XXXX in XXXX on XX/XX/XXXX. I spent two days at the XXXX the bill came up to {$120000.00} which my XXXX XXXXXXXX XXXX had paid. Now because of the wrong insurance billing code, the hospital billing staff should have used my other insurance which would have covered all charges without co-pay or deductible. I reached out to the Hospital when I received a bill for {$1300.00} I advised I should have not to pay anything either re-filled the claim with the correct insurance or absorb the charges I have not hurt anything since. On XX/XX/XXXX. I received a credit alert from my XXXX credit report service stating that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reported me for collection for unpaid debt. I reached to Florida XXXX XXXX XXXX Department I was told they have no record of me owing them money. The Laws of Debt Collection said they have paperwork of this debt owed to them. I want them to know this is an error I do not owe any money to XXXX XXXX or XXXX XXXX. Please remove this information from all my credit files. I called them again on XX/XX/XXXX they kept ( Florida XXXX XXXX XXXX ) giving me turn turnaround.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is using my home address for what appears to be a fake account, I do not have an account with BOA. In addition to BOA using my home address for this account the name on the account is XXXX  ( XXXX XXXX ). I've been in contact with a CEO of XXXX XXXX located in XXXX  and they do not have a BOA account ; BOA has an account setup for XXXX XXXX sending statements/correspondence to XXXX XXXX  . I've made several unsuccessful attempts to handle the matter with BOA and still get a statement/correspondence every month sent to my home address since 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 2023-12-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: VA

Complaint narrative:
Ive reached out to this company more than 4 times in the past 3-4 months and STILL havent received any assistance. To submit a ticket, they request a screenshot, but their system wont allow attachments and always throw back an 403 error. Ive explained multiple times that my email is full and will no longer accept emails on the email address I initially registered with. Additionally, I setup 2 factor identification, but I no longer have the phone number associated with the account and have been unable to login to the account to update any contact information for myself. Ive been patient, but this company takes money out of my checking account every XXXX of the month but are non-existent when it comes to providing customer support to their users.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover imposed interest expense in a way put its customers to incur more charges than necessary. The practice is also inconsistent with another credit card that I have. 

In the attached XXXX statement shows that I have paid {$1400.00} of the total {$1400.00} of the total balance, leaving an outstanding balance of {$14.00} supposedly. I have also attached the XXXX statement showing there are no outstanding balance prior to XXXX. 

However, in the XXXX statement, I was charged with an interest expense of {$44.00} based on a balance of {$1800.00} and not that {$14.00}, apparently new purchase amount that supposedly entitled to a 30-day interest free period are somehow not qualified and subject to interest charges. Again, I paid {$1800.00} of the total {$2000.00} during the period, leaving a balance of {$160.00} supposedly. 

In the XXXX statement, despite after fully pay off the any outstanding balance, I still incur an interest amount of {$9.00} based on the balance of {$370.00}, not {$160.00}. The explanation I received is that interest accrue on a daily basis based on the balance until it's paid off. However, to an ordinary person like me, I wouldn't know how Discover would consider " balance subject to interest rate '' is determined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Frost Bank called to confirm if an online account had been opened in my name. 
I said no and they are to close the account. 
They suggested I report to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have made numerous phones throughout the past few months to Experian. I have also sent them certified letters to Experian Customer Assistance office informing them that there are 5 accounts reporting inaccurate information as well as negative information. I let them know that there are several inconsistencies with the information they are reporting and the other bureaus. They did nothing about it. I sent those letters XX/XX/2023 and XX/XX/2023 as well as on XX/XX/2023. The accounts that are reporting incorrectly are XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I received credit from Fortiva Credit Card to buy a couch at XXXXXXXX XXXX XXXX store. There was a deal for no interest if you paid it off in the one year period. The last payment was due on XX/XX/2023, however when I paid the balance left of {$100.00} they said that to have no interest I should've paid it by XX/XX/2023. After I paid, on the due date, the final payment I got a bill for {$310.00} in interest. They said I was late with the final payment so I didn't fulfill the no interest deal. I really believe they set the last payment date to purposely have me miss the interest free deal. I rely on my SSDI income, I purposely took strong efforts to pay it off on time with no interest, now they say if I don't pay the interest it will go to collections. I don't know how this is right, legal, or fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/XXXX XXXX 
XXXX ) For XXXX, XXXX and XXXX XXXX XXXX, I entered into a hardship program with Upgrade. My payments were interest payments around {$78.00} agreed upon by the Upgrade finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at Upgrade keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, Upgrade can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX XXXX XXXX  my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. Upgrade went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) Upgrade blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: NV

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I submitted a claim for the transaction below and the bank denied my claim. 
They deemed me responsible for transactions that I did not make or know of who could have made these transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-14 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: LEXISNEXIS
State: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
We went to XXXX stores over 5 times and were told the debt was paid and we were owed a refund I have recorded calls confirming, this debt is false and I demand it be removed 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 2023-12-14 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TX

Complaint narrative:
a loan was open with possible finance on XX/XX/2023 in amount of XXXX this is a fraud account never heard of you guys please remove from all three credit reports or attorney general will be contracted my rights have been violated THIS IS A REFUSAL IM NOT PAYING FOR ACCOUNTS THATS NOT MINE AND PLEASE DON'T TRY TO UPDATE ADDRESS ON YALL END I KNOW THIS ACCOUNT IS FRAUD

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation