vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
To whom it may concern, I asked credit bureau to validate these accounts its been several months since, never got a response. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX D.O.B XX/XX/XXXX RE SS #. XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer 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! 
Name of Companies and account numbers. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( 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 according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

Thank you, 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 2023-07-24 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: PA

Complaint narrative:
I have tried disputing these NEGATIVE ACCOUNTS from my file but the creditor is not responding and they stay on my profile and hurt my credit scores so bad. 

XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Type : credit Card XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Type : Auto Loan XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Account Type : Auto Loan XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Type : Credit Card XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account Type : Credit Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: IA

Complaint narrative:
Account was disputed because account is reporting inaccurate on credit report. Stating open by XXXX while closed by XXXX. Missing date last verified by XXXX and date closed by bite XXXX and XXXX reporting account not disputed. This is false because account has been disputed. I ask that for information on how account came up with this balance owed. Please break down numbers so that I can understand. Previously account disputed by original creditor as Payment after chargeoff by XXXX while XXXX reported unpaid balance XXXX reported as Paid charge off and suddenly it all changed to charge off as bad debt unpaid balance reported as a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This was a credit card application to XXXX XXXX Bank in XXXX XXXX not bby me but by somebody else. The Bank replied to me saying that " The submitted application has been determined to be suspicious or potentially fraudulent? '' somebody using my information tried to do that, what would they need to try that? my social security number? 
I have lost almost {$100000.00} dollars to fraud by different people. Namely, XXXX XXXX, XXXX XXXX and another man called XXXX XXXX. These people have a syndicate operating out of XXXX, XXXX and I believe they have caused fraud to other people also. 
My XXXX XXXX had {$20000.00} charged to it and they said it was fraud by XXXX XXXX. Other credit cards of mine also have been charged thousands of dollars along with phone purchases from XXXX XXXX XXXX  that I am now having to pay off. 
Thank you for investigating this.

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 2023-07-24 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: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I have spoken with XXXX on multiple occasions, I have financed several items through XXXX and paid all in full. XXXX has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given XXXX documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXX of 2023 and in XXXX and XXXX in XXXX of 2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked Rocket mortgage NOT to do this and still it happened. The company will not work with me to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have never done any kind of business with this company LVNV FUNDING LLC they have continuously reported false reports on my credit report that I would like to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Affirm Holdings, Inc
State: UT

Complaint narrative:
I have spoken with Affirm on multiple occasions, I have financed several items through affirm and paid all in full. Affirm has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given affirm documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXXXXXX XXXX 2023 and in XXXX and XXXX in XXXXXXXXXXXX XXXX  2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked XXXXXXXX XXXX NOT to do this and still it happened. The company will not work with me to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
These companies are in violation of 18 U.S. Code 1028A. Also, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I took out a loan called a credit builder plus loan where I was supposed to receive {$300.00} at the end of the loan which was held in a credit reserve account. I paid the loan off on XX/XX/2023 and I still have not received my {$300.00} credit reserve payment. Every time I call to get help I am told a ticket has been created and the issue has been escalated but my {$300.00} payout still has not been processed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: PA

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 2023-07-24 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: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My checking Acct in Bank of America was charged with doble XXXX dlls charges over 15 years and sometimes twice. I filed a claim with BofA two weeks go and when I call for an update I only hear that the representative doesnt have an answer for me either all the other hundreds of victims of this abusive behavior.

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 2023-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent request and police report to Transunion about several hard inquires that I did not authorize. I ask that these inquires be removed. I have made many many attempts to do so with Transunion and get no help what so ever! I have contacted the Merchants and they asked that i contact the credit bureaus to have them remove which XXXX and XXXX did with no issues at all. These are the inquires that i am requesting to be removed : 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 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 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 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 2023-07-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX has claimed that since early XXXX I had an account with them, that they sent me a phone or XXXX, and that service charges accrued on said account. 
However : 1. I never wanted an account with XXXX.

2. I never received any device ( s ) from XXXX. 
3. I never utilized service with XXXX. 

XXXX has NOT produced ANY evidence to contradict my above 3 assertions. 

Despite their lack of any evidence that I owe them anything, they are now using a 3rd collection agency for this matter and my credit rating has fallen from Excellent to Very Good. 

Why don't they trace the alleged phone ( s ) and service charges accrued to find the perpetrator and solve their problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent me a Bill allegedly for XXXX XXXX received at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Specifically, medical service allegedly provided by XXXX XXXX, XXXX  at the Emergency Room of such Hospital. However, I rebutted this alleged medical service billed based on the fact that I did not authorized any type of medical service at this XXXX XXXX XXXX XXXX XXXX. I mailed certified letter requesting Cease and Desist along with reference documents regarding complaint filed against this doctor XXXX to the Texas XXXX XXXX. 
I received in return, attached a Billing Summary from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- which it is the official billing system of XXXX XXXX XXXX XXXX in XXXX and in XXXX XXXX, Tx ; this Summary showed {$0.00} BALANCE as of XX/XX/XXXX regarding allegedly outstanding balance from XXXX XXXX MD. 
Now, XXXX XXXX XXXX XXXX disregarded this fact, and SOLD this CLOSED XXXX to this Collection Agency lead by XXXX company that I just received on XX/XX/XXXX. It is not acceptable that I had to deal over and over with the same alleged issued when it is been already addressed with XXXX XXXX XXXX XXXX in the first place. I respectfully request from this office to please contact this MBA-LAW office to once again state my rightful answer of CEASE AND DESIST regarding this matter. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint narrative:
My loan was recently transferred to Nelnet from Great Lakes when they were acquired. I updated my loan information through FAFSA with my most recent tax information. Because my Adjusted Gross Income is {$380.00} ( because I live outside the US ) my loan showed as {$0.00} payment on the FAFSA option. I sent the requested information to the loan servicer applied for an Income Driven Payment plan that takes into account the AGI as the key factor to determine repayment. I received an email confirming that they had received my application and it would take 10-15 days to process. That was received on XX/XX/XXXX. It is now approaching the end of XXXX. When I finally got through to customer service, they told me they were attempting to process the paperwork. Since the recent Biden-Harris action XXXX the wait time has gone up to 30 mins but actually takes over an hour to reach a representative. On multiple attempts I have waited on the phone but the wait time does not decrease and I also submitted a complaint on the website to have the correct information displayed but I have received no response. Currently, it shows that when repayment resumes I will have a {$500.00} a month payment, which is not the option I was shown from the official FAFSA site.

Company response to consumer: Closed with explanation