vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: PA

Complaint narrative:
please removed the following accounts and update Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CREDIT XXXX BANK Balance : {$390.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$340.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account name : XXXX  Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX BANK Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX  Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
I did not open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: IL

Complaint narrative:
Some one used my identity and charge fraudulent charges and fraudulent inquiries

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian claims to have validated and verified this collection account listed as XXXX XXXX XXXX but did not provide me with any evidence that they used to come to this conclusion. I would like the documents or the person with whom they spoke with to determine this information. It is my belief that no such information exists because I have no knowledge of this company or ever doing any business with them to have them listed on my consumer report.

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 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Theyre charging my ex almost {$7000.00} when he broke the lease XXXX month before it was over

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX is damaging my credit due to XXXX I told them to get the car when I had my baby and then still decide to process the repo and is damaging me credit I asked it be remove. It is stopping me from getting a car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
please removed the following accounts and update Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CREDIT XXXX BANK Balance : {$390.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$340.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account name XXXX XXXX Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX BANK Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name XXXX XXXX XXXX Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-04-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
please removed the following accounts and update Account Name : XXXX XXXX Balance : {$500.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX  XXXX Balance : {$500.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX Balance : {$360.00} Account Number XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$390.00} Account Number XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX Balance : {$340.00} Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX Balance : {$360.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account name : XXXX  Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX  Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/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 explanation
Consumer complaint received 2024-04-07 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:
Some one used my identity and charge fraudulent charges and fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IL

Complaint narrative:
The company stated they sold the vehicle which was repoed after I got it back through bankruptcy from the XXXX XXXX repossession of the vehicle.The engine blow due to water pump timing issues.The company stated they sold the vehicle for {$1100.00} USD and I owe them for a car I'm not in possession of and it's Bringing my credit score below.Please contact All three credit companies please and remove this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

In accordance with the Fair Credit Reporting Act XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

In accordance with the Fair Credit Reporting Act XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

In accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: FL

Complaint narrative:
Back in XXXX or XXXX of 2023. I found a suspicious email from a synovus bank, stating I've signed up for paperless banking. I've never open an account or tried to open an account with them. So I called, spoke with someone who stated, yes, there was an account opened in my name. There was {$50.00} in the account and it was in good standing. I told them it was not my account and that someone had opened it in my name. She wrote her notes, assured me that this account would be red flagged and locked. She also assured me that nothing else had been open in my name. 
From there I locked all my credit bureau access. Fast forward to last month I get a notification from credit karma that stats a new account has been added yo my collections in the amount of {$5000.00}. From XXXXXXXX XXXX XXXX. Original creditor is Synovus bank.. I was assured by them nothing else was in my name. Apparently that was a lie. I now have {$5000.00} that I need help getting removed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: American Financial Network Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX I called XXXX  to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/2023. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost 2 months and no follow up or letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
XXXX  date XX/XX/2023 I called altisource to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/2023. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost XXXX  months and no follow up or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CA

Complaint narrative:
Upon checking my Experian credit report I noticed my ( XXXX-account # XXXX ) the balance has not been updated even though I just disputed it with Experian credit reporting agency and they stated account is up to date. Even though I provided support documents to prove otherwise. I will upload documentation from XXXX XXXX  showing my new balance as I have began to pay them off and this account shows about XXXX late payments as well please fix account history thank you and balance as well!

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, I am making this complaint becasue I booked a round-trip flight on the American Express Travel website . The trip information is as follows : XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX ( XXXX ) to XXXX, with XXXX XXXX. However, on XX/XX/XXXX, I missed my first flight. Consequently, I called the American Express Travel customer service line at XXXX XXXX on XX/XX/XXXX to seek assistance. I informed the agent about missing my first flight from XXXX to XXXX and asked for guidance on what I should do next. The agent promptly arranged a new one-way flight for me with XXXX XXXX and I had to pay for that new one way flight to XXXX XXXX XXXX And The she assured me that I could still use my returning flight when I arrived in XXXX. Unfortunately, she neglected to inform me about the necessary steps to retain my returning flight, which I had already paid for with XXXX XXXX. Instead, she only asked me to pay for the new one-way flight from XXXX to XXXX. Additionally, she failed to inform XXXX XXXX about my change in plans, resulting in the cancellation of my returning flight.It 's imperative that I receive a refund because the American Express Travel agent did not fulfill her responsibilities properly when I missed my flight, which I had booked through their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I'm unaware of this debt I did not has an opportunity to dispute this debt also I did not recieved proper notification of this debt please provide the certified mail receipt with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
I did not open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
I did not open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have been scammed on Cash App by a scammer who has been on there for almost 5 years. I have sent XXXX transactions, each one being {$10.00}, on XX/XX/2024 at XXXX XXXX and XXXX XXXX My {$20.00} are gone from my bank account and I have immediately reported these transactions as a scam on XX/XX/2024 at XXXX XXXX for both {$10.00} transactions once I've noticed that this is not the person who I was talking to when making an online purchase, and could possibly be an impersonator of a random person. I have attempted to reach out to Cash App support on XX/XX/2024 regarding this issue of me being scammed, but I've received no helpful response or attempt at getting this resolved. I'm planning to initiate a charge back with my bank if I don't get this resolved soon. I really want my money back and I do not appreciate that Cash App has decided to not step in and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2019 Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-07 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2019 Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation