vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
There are three dept collectors in which someone else used my identity or are just fraud. 

XXXX XXXX XXXX, Date claimed XXXX, XXXX, XXXX amount {$240.00} Original Creditor : XXXX XXXX XXXX XXXX, I did not receive any services from this company. This is fraud. 
I attempted to call and was sent to an answering machine, I found this very odd. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Claimed : XXXX, XXXX, XXXX amount {$280.00} Original Creditor : XXXX XXXX XXXX I did not receive any services from this company. This is fraud. 
I attempted to call and the call was dropped twice when I asked the automated system to talk to an operator. I found this very odd as well. 


LVNV Funding LLC Date Claimed XXXX, XXXX, XXXX amount {$460.00} Original Creditor : Just XXXX XXXX  XXXX I did not receive any services from this company. This is fraud. 
They sent me a collections to my address with the wrong last name labeled on the letter. as, XXXX XXXX. I attempted to call they are not open today XXXX, will try again on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never open up this XXXX  account. This account shows multiple different open date from all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I ask you to do it twice you all have neglect and violated my rights. I am demanding a deletion of the following account 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never open up this XXXX  account. This account shows multiple different open date from all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I ask you to do it twice you all have neglect and violated my rights. I am demanding a deletion of the following account XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: MI

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Since XX/XX/XXXX, I have been trying to get Equifax to fix my credit report Ive been given multiple different answers of why not receive my report ( ect that code BLNK doesnt exist, we have filed a claim for you ) just now XX/XX/XXXX. They finally told me they needed physical unreacted copies of my drivers license Social Security number and a recent bank statement. In my opinion that is not a safe viable option they refuse and say that the department does not have any email phone number and only deal with physical mail. I dont see where I need to put my life and potential credit fraud situation. They already have had data breaches how can I trust them to handle physical documents that are sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
XX/XX/year> I called transunion to get some inaccurate information deleted off my credit report and she told me she couldn't update my address because my address was general delivery. I havent had any other issues but with them.

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 2024-12-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-27 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: OR

Complaint narrative:
I am extremely frustrated with the lack of action on your part regarding accounts on my credit report that are still in litigation. Ive contacted you numerous times to address these inaccuracies, and yet, nothing has changed.

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 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
What not a wear of my information that was given out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi CFPB, On XX/XX/year>, I opened a business checking account with Bank of America where I would receive {$200.00} after depositing {$5000.00} within 30 days and maintaining that balance for the following 60 days. It has been over 90 days and I have not yet received my bonus. Could you please help to investigate and provide fair resolution by crediting my account? 

Thank you, 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 monetary relief
Consumer complaint received 2024-12-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my Equifax credit file, causing significant harm to my financial stability and emotional well-being. These accounts were opened without my knowledge or consent and continue to negatively impact my credit.

The fraudulent accounts on my Equifax credit report are : XXXX XXXX XXXX  - {$1100.00} XXXX car loan ( opened XX/XX/year> ) The XXXX car loan is particularly damaging. I never authorized or benefited from this loan, yet it continues to inaccurately appear on my credit report as a valid debt.

I have submitted my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address to substantiate my claim. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am entitled to the removal of fraudulent accounts upon providing evidence. The continued reporting of these accounts violates [ 15 U.S.C. 1681s-2 ], which prohibits the furnishing of inaccurate information to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I did call and if the paperwork was from equifax call to one present financial institution still didnt like how they are handling this. If agent spoke to was from them bank was not impressed. They said that they had access to the 3 bureaus and that giving them personal information further was not necessary. Listed under equifax breech they keep claiming I can not prove who I am to them. Much respect to present financial institution for letting me know that their asking me for information is not advised. They were not comfortable with the question I asked them because they said that they already had my information so unless not equifax or was pretty sure they made it clear on two items 1. They should have enough information. Equifax although I can not confirm it was them. However it likely was. 2.
Merchant charges by financial institution said alone with that without saying much noticing notification someone is using invalid cards which they wont let go through and notify me. Any. I am doing my best to watch all accounts ( aside from federal advice ) outside of this and primary is doing an excellent job. Awful lot of soft pulls so Im not sure on that. Appears to be phone carriers mostly but an awful lot. Otherwise if it was equifax slight progress but primary institution was uncomfortable with the agents handling of the whole process

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My card got lost and also someone gained access to my account through there own device that was not authorized which was confirmed I disputed a few transactions which they did credit back but they also denied several that were also unauthorized and I disputed them at the same time. 

XXXX. XX/XX/XXXX from XXXX XXXX for {$10.00} each and its XXXX transactions XXXX. XX/XX/XXXX from XXXX XXXX for {$34.00} and {$11.00} These transactions were denied and I tried contacting XXXX and they wouldn't give me a refund for them and that's when I went forward with disputing them with venmo and they denied them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I lost money from fraud in the XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX the total fraudulent amount for XXXX XXXX XXXX are {>= $1,000,000} ) the total fraudulent amount for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX are {>= $1,000,000} ) please I request to XXXX to get back the assets I have lost from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint narrative:
I lost money from fraud in the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX the total fraudulent amount for XXXX XXXX XXXX are {>= $1,000,000} ) the total fraudulent amount for the XXXX XXXX XXXX XXXXXXXX XXXX XXXX are {>= $1,000,000} ) please I request to XXXX  to get back the assets I have lost from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm writing to you because I have tried several times to contact XXXXXXXX XXXX XXXX to get this fixed to my understanding per15 usc 1681 ( a ) 2 ( A ) ( i ) that my consumer reports should not solely contain information to XXXX and XXXX between me the person and XXXX  the company further more I have requested that I be provided in writing the reasonable procedure according to 15 usc 1666 b that you adopted to ensure that each periodic statement is mailed to consumer not later than 21 days before payment due date and all information required under 15 usc 1637 ( b ) title 15 and since they have not provided this information I demand this be updated to paid as agreed with no late payments reporting

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
I'm writing to you because I have tried several times to contact XXXX XXXX XXXX  to get this fixed to my understanding per15 usc 1681 ( a ) 2 ( A ) ( i ) that my consumer reports should not solely contain information to XXXX and XXXX between me the person and XXXX the company further more I have requested that I be provided in writing the reasonable procedure according to 15 usc 1666 b that you adopted to ensure that each periodic statement is mailed to consumer not later than 21 days before payment due date and all information required under 15 usc 1637 ( b ) title 15 and since they have not provided this information I demand this be updated to paid as agreed with no late payments reporting

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: AZ

Complaint narrative:
In XX/XX/year>, I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX that there was an amount of {$1300.00} unpaid on a Discover credit card ending in XXXX. I have never applied for or opened an account with Discover. I have also never received a card, monthly statements, or any other communication about this account from Discover. This account is fraudulent and I never opened it. I communicated back to XXXX XXXX XXXX  that I did not own this card. 

Then, in XX/XX/year>, I received a letter from Discover saying they are reporting this account to Consumer Reporting Agencies as a disputed account. I called Discover on XX/XX/year> and filed a fraud report with Discover, and have filed disputes with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation