vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-22 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I believe this is MCM Midland Credit. This happened today XX/XX/23. An amount was not included on the voicemail. 

Received a call on my work phone from a person stating name is XXXX XXXX XXXX XXXX XXXX. Stating he was going to my employer regarding this matter and would be coming to my job. I never gave this place my work number so Im not sure how they got it. I never give out my work number. Provided phone number XXXX. 

This is not a way to collect a payment by false representing the company and call a persons job that never gave the phone number. 

Im sure they are probably doing this to other clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: TX

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2023, challenging the accuracy of the information pertaining to the above-mentioned account. My dispute was based on the contention that the account information is not accurate and should be investigated further. 

Dispute Resolution Results : I received a response from Experian indicating that the account information has been verified as accurate by the company associated with the account. However, I find it concerning that despite their assertion of accuracy, Experian has failed to provide the verification documents that would substantiate the claim that the information is indeed accurate. 

Lack of Verification Documents : It is my right as a consumer under the FCRA to receive documentation that supports the verification process and confirms the accuracy of the disputed information. Without proper verification documents, I am left without the means to assess the validity of the company 's verification process or the accuracy of the account information in question.

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 2023-08-22 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: MA

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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

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 2023-08-22 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:
Transunion failed to remove the collection account from my consumer report. Please see attached 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw 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 2023-08-22 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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Transworld system is contacting individuals that I am associated to collect a debt. They stated that they are only contacting relatives however, the numbers they are dialing are not immediate family member or relatives. Instead, they are using data analysis to harrass members of my husband 's family to find out my whereabouts. Moreover, they have a list of numbers of other relatives that they are contacting- including my elderly parents. I have spoke to the manager on duty to find out why they are calling random people to obtain information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I tried opening an account with XXXX XXXX and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to early warning services so i could find out what's going on and what's the reason for this to be happening. Early Warning Services sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at ( XXXX ) XXXX please and thank you because i really need to get this mess resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: PNC Bank N.A.
State: GA

Complaint narrative:
I tried opening an account with XXXX XXXX  and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to XXXX XXXX XXXX  so i could find out what's going on and what's the reason for this to be happening. XXXX  XXXX XXXX sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are XXXX XXXX XXXX, PNC BANK, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at XXXX XXXX XXXX XXXXXXXX please and thank you because i really need to get this mess resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MS

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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, Credit Bureau collection XXXX  fit life Account # XXXX, XXXX & XXXX XXXX Account XXXX 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 an account without my written instructions 15 U.S.C 1681 c. ( 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 reports by more than seven years.15 U.S.c 1681 s-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 non-monetary relief
Consumer complaint received 2023-08-22 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: Financial Assistance Inc
State: WA

Complaint narrative:
In response to Complaint # XXXX Attached in Exhibit N is the company response to complaint # XXXX. 
FINANCIAL ASSISTANCE INC ( FAI ) responded on XX/XX/2023. 
" XX/XX/XXXX  CFPB Complaint # XXXX FAI : XXXX Since a balance is no longer owing on this account and since the CFPB is allowing the ongoing expenditure of resources by both parties, FAI will submit a request for removal of this account and the accounts of the associated cotenants to the credit bureaus. '' FINANCIAL ASSISTANCE INC ( FAI ) has clearly developed a well document case of aggravated identity theft 18 USC 1028A, pattern of racketeering, violating a cease and desist, inaccurate debt parking 15 USC 1692d ( 4 ), violating 15 USC 1692g, violating 15 USC 1681i treatment of inaccurate information, violating 15 USC 1692a ( 2 ) communicating via any medium. FINACIAL ASSISTANCE INC ( FAI ) is continuing to invade individual privacy while continuing to commit abusive, deceptive and unfair collection practices with malicious forethought and malice to cause physical and financial harm to my consumer report and financial reputation and to the reputation of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. FINANCIAL ASSISTANCE INC ( FAI ) " FAI 's normal course of business '' is to violate multiple U.S. Codes to multiple federally protected consumers. See Exhibit A, Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, Exhibit G, Exhibit H, Exhibit I, Exhibit J, Exhibit K, Exhibit L, Exhibit M, Exhibit N, Exhibit O : reinsertion of inaccurate information to CRA 's on XX/XX/XXXX  after company 's response to delete completely and from all individuals consumer reports on XX/XX/.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/2023 I have Mailed Equifax, XXXX and XXXX XXXX a request requesting deletion and update as to my Current Mailing Address Equifax, XXXX and XXXX XXXX is reporting incorrect Addresses on my consumer disclosure report ( s ) as a result of fraudulent creditcards or other services using my personal information. 

I have complied with the requirements from the bureau 's to confirm my identity and provided them with a legible copy of my State Issued Identification Card, Social Security XXXX  and Proof of Current Mailing Address along with the details of my dispute under the FCRA. 

The Bureaus continues to report erroneous unverified or fraudulent addresses and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: NY

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I HAVE TRIED TO ADDRESS THIS ISSUE WITH YOU SEVERAL TIMES BANK OF AMERICA FORGED DOCUMENTS WHEN REFININACING MY LOAN AND LIED ABOUT OUR FINANCIAL STATEMENT IN ORDER TO APPOVE THIS LOAN WITHOUT OUR KNOWLEDGE. I HAVE FILED 2 COMPLAINTS WITH YOUR AGENCY WITH NO HELP FROM YOU AT ALL! WE HAVE NEVER RECIEVED A RESPNCE FROM BANK OF AMERICA THEY CALLED AND SAID THEY SOLD THE LOAN SO IT IS NO LONGER THEIR ISSUE, WHEN THEY FORGED THE DOCUMENTS, IT WAS WITH BANK OF AMERICA. 

IF YOU CAN NOT HELP CONSUMERS AGAINS FRAUD FROM BANK AND THEIR LOANS THEN WHO CAN? WHO HAVE DONE ABSOLUTLY NOTHING ABOUT BANK OF AMERICA COMMITTING FRAUD!

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw 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 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw 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 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 2023-08-22 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: Nelnet, Inc.
State: MS

Complaint narrative:
I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MS

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX opened a unauthorized and unrecognized inquiry on my Equifax account that I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: CA

Complaint narrative:
Made purchase online with XXXX for tires and sensors. Company not able to ship in time so called koalafi to cancel loan. If I dont take delivery in California they can not charge me for the items. They have taken several payments from me and Ive never had the items in my hand to have possession. Calls to agents are a waste/ I want a full refund or will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX failed to remove the collection account from my consumer report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MS

Complaint narrative:
I am a victim of identity theft. My car was stolen and my personal information was inside it. My id was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute process was not done correctly per the FCRA. The paperwork is not being attached to the dispute and I am not getting copies of the verification process.

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 2023-08-22 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: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
On XX/XX/2023 I settled a charged off account with Wells Fargo. The balance was {$880.00} and Wells Fargo agreed to settle the account in full for {$220.00}. On XX/XX/2023 Wells Fargo reported to the credit bureaus that a payment had been made on the account but said the account was a charge off that still had a balance of {$660.00} - when they should have reported a balance of {$0.00} as the account was settled in full I spoke to Wells Fargo today and they sent me documentation that the account was settled in full but refused to update the credit report accordingly Wells Fargo case # 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