vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX for the cancelled debt. Also I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer XXXX have given you written, non written, verbal, and nonverbal per XXXX XXXX Code XXXX. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, non written, verbal, and non verbal per XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX  XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the 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 explanation
Consumer complaint received 2024-07-20 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX  XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management , Inc in XXXX, Michigan ( a third party collection agency ) took my XXXX Michigan income tax for a debt belonging to someone else. I was notified in XX/XX/XXXX by Michigan Department of Treasury that they were taking my income tax. I had tried working with Midland Credit Management that this was a case of identify fraud. After making at least XXXX calls and receiving no documentation, they refuse to refund my money. Midland representatives acknowledge there was an error but have not refunded my money. I have spoken to at XXXX or XXXX agents from Midland Credit who all had different stories to tell about this accounts. 


This is everyones worst nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank that managed my P.C. Richards account closed my account because I did not use the card with a XXXX credit line for 3 years without my knowledge. P.C. Richards did not know they did this either. Synchrony Bank said to reapply to which they denied me. 
I had this card for at least 20 years with a {$20000.00} credit limit that went poof. Not only did it hurt my credit score that I had that was over XXXX, the length of time of having this credit also dropped my score.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

XXXX TransUnion XXXX XX/XX/XXXX XX/XX/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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received a Notice of Adverse Action from XXXX XXXX XXXX. I have attached a photograph of this letter. They checked my credit with TransUnion. As you can see from my photograph, they used only TransUnion and you can see under the Reason category a comment that says " Serious delinquency. '' This is absolutely false. I have no delinquencies at all. 

I have also attached a copy of my TransUnion member dashboard. I pay them money so I can access my TU credit data whenever I want. As you can see, it clearly states " XXXX '' in the " Delinquent '' cell. I also got a full printed copy of my TU report in the mail. No account in the report contains a single negative payment annotation let alone a " serious delinquency. '' I contacted TU to get this corrected multiple time. I was consistently forwarded to account representatives, some of whom I couldn't understand as an English speaker, that simply provided repetetive an unhelpful replies. They gave me no means to correct the problem. Somehow TU provided false information that I know was included in the evaluation of my credit. TU will tell you that they only provide a report to a 3rd party, and the 3rd party does what they want with it. However, the information you can see for yourself can only be provided or derived from data provided by TU. I want this corrected. I never want to see a " Serious delinquency '' comment on any information provided from or derived from information TU originates, and I want an explanation.

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 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have {$830.00} locked up in my PayPal account from being terminated for breaking their terms of service this money has been locked for over 3 months without any way to access it, use it, or withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX - 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 2024-07-20 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ 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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX are damaging my credit by using fraudulent documents with a copied signature and typed-in date. Despite settling and closing my account with Speedy Cash in XXXX, they are now illegally reapplying a negative post in XXXX as an updated contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On Saturday, XX/XX/year>, I was trying to make a purchase at XXXX for {$630.00}. I have over {$1800.00} available on my AVANT XXXX. 
The first time I tried the transaction, it was declined and I received an automated phone call asking if it was an authorized transaction, which it was, I answered and followed the prompts. I figured that after that, since I reported it as a legitimate, not-fraud, transaction, it would work. It didn't. Ultimately, I called the company XXXX different times myself, making a total of XXXX phone calls thus far, and they kept telling me that the card was declined for detecting fraud, but there was no card block. On the XXXX call in, I asked for a supervisor who told me it must be the fault of the merchant. So I called XXXX and they told me that the order I was trying to place was being declined by the card issuer. So I called AVANT back and told them this.They told me that the transaction was blocked for suspected fraud, but that the card was fine. I told them that they can't have it both ways. I even tried on XXXX of the calls to do the transaction while they were on the phone so that they could push it through. They said they could see it but could do nothing. So XXXX calls to the card issuer, XXXX call to the merchant, and XXXX incoming automated call from the card issuer and I still can not process the transaction. They said there's nothing they can do but they can submit my feedback and escalate the problem, but that will take 2 days for an EMAIL response. 
I previously had trouble with card declines with this card for no apparent reason, and even the card being deactivated when i tried to use it on a vacation, which took 10 days to escalate and resolve, and then had to have a new card issued after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX, my American Express XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ) credit card information was stolen and multiple online purchases were made to my card amounting to over {$6000.00} ( {$2600.00}, {$1800.00}, and XXXX on XX/XX/XXXX ). These were fraudulent online charges to XXXX XXXX XXXX ( XXXX XXXX XXXX. In XXXX of XXXX, after an initial dispute was rejected due to AMEX claiming that the items were delivered ( XXXX XXXX ) and signed for by me at my home. I never received these items nor did I sign them. Following the initial dispute, a new investigation was opened in light of more details about the fraudulent charges and has been ongoing since then and there has been no document provided to me detailing the findings of the new investigation. These charges were obviously fraudulent and I have no idea what the investigation outcome is nor any of the details related to the investigation. 

AMEX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
On XX/XX/year> was a victim of identity theft and reported to XXXX, Equifax, XXXX XXXX XXXX XXXX XXXXAlso sent supporting documents, No response from the credit bureau 's, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 

I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. 

Please help me! I never lived at XXXX old XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 

Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Self Financial Inc.
State: CA

Complaint narrative:
Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 

I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. 

Please help me! I never lived at XXXX old XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 

Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Open Dealer Exchange, LLC
State: NJ

Complaint narrative:
I received a Notice of Adverse Action from XXXX XXXX XXXX. I have attached a photograph of this letter. They checked my credit with XXXX. As you can see from my photograph, they used only XXXX and you can see under the Reason category a comment that says " Serious delinquency. '' This is absolutely false. I have no delinquencies at all. 

I have also attached a copy of my XXXX member dashboard. I pay them money so I can access my XXXX credit data whenever I want. As you can see, it clearly states " XXXX '' in the " Delinquent '' cell. I also got a full printed copy of my XXXX  report in the mail. No account in the report contains a single negative payment annotation let alone a " serious delinquency. '' I contacted XXXX  to get this corrected multiple time. I was consistently forwarded to account representatives, some of whom I couldn't understand as an English speaker, that simply provided repetetive an unhelpful replies. They gave me no means to correct the problem. Somehow XXXX provided false information that I know was included in the evaluation of my credit. XXXX will tell you that they only provide a report to a 3rd party, and the 3rd party does what they want with it. However, the information you can see for yourself can only be provided or derived from data provided by XXXX. I want this corrected. I never want to see a " Serious delinquency '' comment on any information provided from or derived from information XXXX originates, and I want an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived aXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I believe that's where the suspect lives. Please help remove this fraud! I even just hired an consumer attorney to help in this process. This is my last attempt before the attorney get the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
credit acceptance keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.

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