vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My file was apart of the Equifax breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act The Convergent Accounts Listed On The Documents, 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 a account without my written instructions

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 2023-05-09 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: Kikoff Inc.
State: TN

Complaint narrative:
I saw that Kickoff was inn my credit report, and I never signed up for that company, I tried to contact and the company 's phone was disconnected. I tried contacting via email and there limited contact info about them. Even the XXXX has marked the company as a scam. It saying they reported late payments but I have never heard of them or made a payment to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Resurgent/LVNV Funding XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C. 1681 section 602 A. Clearly states that 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 instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received a harassing phone call from CREDENCE RM about a XXXX XXXX  bill in the amount of {$1000.00}. I had no idea this existed a Is have no knowledge of the account. I never received any correspondence on how to dispute the validity and request verification for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX me and my husband made a home furniture purchase at Rooms To Go totaling {$2500.00}. They charged {$800.00} on his XXXX XXXX card and they charged the remaining balance {$1700.00} to my rooms to go synchrony card. 

The goods were never delivered to our home and XXXX year later XX/XX/XXXX we cancelled the entire order and were advised we would get a refund back. My husband did confirm that in XX/XX/XXXX he did get a {$800.00} refund back from rooms to go on his XXXX card. 

However, the remaining {$1700.00} was never credited back to my card or store credit. Synchrony bank spoke to the rooms to go representative from the XXXX XXXX location together with me on the phone explaining they sent the {$1700.00} back to synchrony and synchrony stated that they only have the charge processed but there was no refund or statement credit ever issued. 

Rooms to go provided us statement of the order proving what I wrote above and synchrony said the only thing that we can do is open up a dispute for the {$1700.00} and provide them the statement that rooms to go provided. I did exactly what they told me and after XXXX month their final decision was to not give us the refund. 

so here we are, we paid for furniture that we never received and we even have documented proof that they were refunded but they do not care.

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 2023-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an auto loan with Capital One Auto Finance and unfortunately couldnt afford to make payments after losing my job and therefore my XXXX XXXX XXXX was repossessed XX/XX/XXXX sadly. Capital One hired a repo company who illegally trespassed onto private property for one thing. Secondly, they received over XXXX for their principal balance from the auction but reported it as Charge Off as well as the remaining balance owed as XXXX which is also wrong because I have a settlement with them for a little under XXXX. I have filed a dispute on XXXX and have reached out to Capital One Auto to have them make the correct changes with my reporting so I can get my life back on track and start fresh with my credit reporting but they are intentionally trying to make me take UNNECESSARY lengthy steps for them to start the process. I have all the documentation showing proof of my claims which I got from my account on THEIR website yet them gave me only two options which are to fax the documents ( nobody uses a fax machine anymore ) or mail them their own documents which would take a longer time for them to start any sort of dispute process. I spoke to XXXX and was told that they shouldve updated their reporting on their own but I believe they are lying and stalling intentionally so they receive both the principle AND a tax write off at the same time. Its my fault that I fell behind on payments but what they are doing is wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wrote a check from my Wells Fargo checking account ( check number XXXX ) dated XX/XX/2023 for {$440.00}. The check was cashed/deposited however in the amount of {$6100.00} which is {$5700.00} more that the check amount. Wells Fargo does not dispute the check amount was written for {$440.00} nor does it dispute that the amount wrongfully taken from my account was {$6100.00} ( minus the {$440.00} ). Wells Fargo denies responsibility for this transaction despite being the bank from which the funds were fraudulently or mistakenly drawn. Wells Fargo states that it will investigate and it " will try '' to get the money back and that's all they can do. They have some mysterious " process '' that involves " reaching out '' to XXXX XXXX XXXX which is the bank where the check was deposited/cashed. I spoke with at least 5 people at Wells no of whom appear to knowledgeable or empowered to actually help their customers. Instead Wells states that XXXX XXXX XXXX  is fault. That Wells Fargo allowed {$5700.00} to be wrongfully taken from my account without immediate or certain remedy is unacceptable.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account 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 2023-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: DISCOVER BANK
State: OH

Complaint narrative:
This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The Discover Bank card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with Discover and XXXX with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( XXXX, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by XXXX that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have requested Discover to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from Discover months later which further delayed the closure of the account and the continuation of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
This company and several before it have tried collecting a debt of XXXX XXXX I tried several years ago to verify this debt with the original creditor duke energy. They have no record. I have gotten this account removed several times and it just changes hands and hits my credit over and over again as a new debt. I have called recently to XXXX XXXX ( XXXX ), again no record of debt. I do not owe this money and have never owed this money. I disputed last month because it hit my report again but I notice my social was wrong, so I called XXXX and you know what happened? They changed the social! What kind of XXXX is this? Are credit bureaus and debt collectors working together now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I was told on a recorded call that the account would be deleted after the balance was paid in full. It has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX  sent me a letter that I owe them XXXX I have never had them and to assume that it is mine is illegal without verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible. Please update my account accordingly.

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
XXXX is reporting a debt collection account on my report from HUNTER WARFIELD INC. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about 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 2023-05-09 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:
I have been unable to use my TRUIST debit card and checking account due to it being in the negative because I was charged 21+ {$36.00} fees. I opened this account for family, personal and household use. This policy is causing my family and I great harm, risk, unnecessary expense, stress and lost of income. I spoke to a customer care representative, which transferred me to her manager who told me they were only able to refund me {$75.00}.

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 monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: CA

Complaint narrative:
I checked my credit and saw a report from RS CLARK ASC for XXXX XXXX XXXX in the amount of {$350.00}. I have no earthly idea where this debt stems from or who the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, I get a messege in my cell phone saying that I had a court summons for XXXX XXXX XXXX XXXX for a Chase Credit card anmd that the amount I own is {$15000.00} dollars and they said that sent a offer in XX/XX/2023 for {$5900.00} dollars but I told her never received that information. 
she speaking fast and she offer 125 payments for {$100.00} but if I want to pay now with a credit card I just pay {$3600.00} is the 30 %. 
But I told her accepted {$2800.00} and said wait a moment and come back soon and said I offer {$2000.00} dollars but with the fee is {$2400.00} dollars. 
she knew my Social Security number and my Personal Information.

And for the payment she asked for a credit card to pay.

And was a Unknom Messege.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
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. 


Account name : XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief