vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from XXXX, XXXX, Equifax that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with Equifax, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to Equifax and XXXX to resolve. When I called Equifax and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXXXXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both equifax and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and Equifax, who again failed to resolve the issue. These are just two of many examples of errors Equifax and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or Equifax. I even asked XXXX XXXX written proof that it was paid and it was denied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and Experian. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to XXXX and Experian to resolve. When I called XXXX and Experian they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXXXXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and Experian are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX  who confirmed it was never in a bankruptcy and I was referred back to Experian and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and Experian have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from Experian or XXXX. I even asked XXXX XXXX written proof that it was paid and it was denied to me.

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 2023-08-29 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: CA

Complaint narrative:
A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX  Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/2022 was late on payments but made an arrangement to pay. Around the same time transmission started to have problems but I was informed that I wasnt paying the extra fee for insurance in which they would fixed the car. Late XX/XX/2022 car was repossessed.

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 2023-08-29 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29 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: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: SC

Complaint narrative:
I recieve child support from he state of NY and my card was switched from XXXX XXXX XXXXXXXX to Way2Go card. Since the change I have went to the app for Way2Go card and looked at what ATMs I can get money from. I have tried every brand they reccemond and am charged XXXX upwards of XXXX dollars in fees everytime. It is supposed to be no charge for using XXXX ATM but I am now charged and was not before. I have been charged to date 4 times these feed just to access my money. I have called every number I can find and Way2Go has no way to reach a live person. I then called NY state child support enforcement and of course they told me that they are not able to help with the payment card nor do they have anyway to contact them sorry we can't help you. This is outrageous that they switched to a company with no way to contact them and they are just stealing money from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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:
Experian XXXX and XXXX are reporting charges offs on my credit report with balances, according to US Code Laws that is a violation of my rights and is against the law. All charge offs by law must report XXXX balances since the debt was sold to a collection agency. 

Account name XXXX Account XXXX XXXX Balance {$140.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$160.00}

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist from the beginning has been horrible. They without me being informed changed the name on my account. 

They continue to charge unmerited fees for overdrafts. They said they didn't give credit for a check on Saturdays ( non business day ) however they honored a transaction that came in on the same day and refused to give credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: MO

Complaint narrative:
Company lied and said they mailed me documentation of the debt to address on file over 45 days ago. By law they are supposed to provide that information and never did. When I asked for more information in order to see exactly where the debt is from they did not give it to me. On XX/XX/29 I called to get the information the CFPB said Nelson and Cruz had to provide. They did not provide the information and over talked me! I do not owe this debt and they refuse to provide me the correct information to get this corrected! This is illegal! The person also threatened that he is a paralegal trying to intimidate me. They never sent me anything about this debt before putting it on my credit report and will not provide proof so I can file a report. They wont provide me with information if product was picked up or delivered or a signature showing delivery or pick up. The person over talks and kept putting me on hold. Thats harassment. They supposed to sent me something over a month and didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-29 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by Jefferson Capital to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to Jefferson and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such of debt, in fact therefore exists I do not recognize how this account is reporting on my credit report, I dont recognize the account, I dont recognize the account status, I dont recognize the high paid balance, nor do I recognize the late payments associated with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I had an account with XXXX, it was being paid through Affirm. The merchant XXXX canceled the plan because they couldnt help me. Affirm is still calling and harassing me about monies not owed and has threatened me on several occasions that they would damage my credit and that I would no longer be able to use Affirm. I paid last month out of fear of having my credit damaged. I submitted everything they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by XXXX XXXX to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to XXXX and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.

Company response to consumer: Closed with explanation