vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am victim of identity theft, and I did not make or authorized these charge ( s ). I request that you remove the fraudulent charge ( s ) and related finance charge and other charges from my account. After that has been completed, please send me an updated copy and accurate of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
I am a victim of identity theft and I had filled out an identity theft report to remove the accounts in attached dispute letter. I have never authorized or consented this information to be on my consumer report therefore it is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
I am a victim of identity theft and I had filled out an identity theft report to remove the accounts in attached dispute letter. I have never authorized or consented this information to be on my consumer report therefore it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
XXXX XXXX received an email from Cedit Karma stating, XXXX XXXX, Heads up your Credit Karma Money account has been locked. Don't worry, your money is still safe. This can happen as a safety measure to protect your account. 

If your account has a negative balance, please make a deposit right away to continue using your account. 

If your account does not have a negative balance, please keep an eye on your emails for more information and next steps. If you need help immediately, please reach out to member support. 

We're sorry for the inconvenience. 

Thanks, The Credit Karma Money Team Once I reached out the several times and escalated the situation to a supervisor, I was still told that they cant provide me with any information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belong to me without providing proof as requested. This is causing me great stress and if this is not fixed asap I will be suing ALL.

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 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had requested that midland credit management cease all communications as described in the Fair Debt Collection Practices Act. To date they are still communicating with me. In my last complaint, they stated that they are allowed to report to consumer reporting agencies and that the term communication only refers to direct communication. However this completely goes against the procedures that were clearly defined in the FDCPA which defines the word communication as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. Consumer reporting is an indirect medium that this agency has chosen to continue to communicate a debt. This clearly violates my cease and desist request. This is my last warning before I proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent - LVNV Funding LLC - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened up a Business Advantage Credit Account with Bank of America through a company for which I am part owner, XXXX XXXX ( XXXX XXXX ). BoA has me listed as a guarantor on the account, which I never agreed to. Additionally, Bank of America has erroneously associated this business credit card account as a personal account and they have linked it to my personal accounts at the bank. 

This account has some business debt on it and has impacted my personal credit score. I have reached out to BoA multiple times first via phone and then twice via letter as follows : On XX/XX/year>, a letter was sent via certified mail to their credit department requesting a copy of the consent form and documentation that they allege I signed assuming responsibility of guarantor. The response I received was simply a validation of the debt owed. 

On XX/XX/year>, I followed up with another letter sent via certified mail requesting the proper detail and rearticulated the issue and my position. On XX/XX/XXXX, I received a response back from them stating that they were not able to process my inquiry. 

Documentation for your review is attached. Thank you in advance for your assistance in escalating this matter and helping to resolve. 

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 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
My Cash app account was compromised and there we're not over 30 unauthorized attempts to access my account. I communicated with Cash app stating that I was going to close my account AFTER my XXXX  was deposited. When I attempted to transfer my funds to a different card, they were rerouted to an debit card that I wasn't familiar with. At first I thought it may be a previous card I no longer had access to, after researching it, I learned that there was not so. I contacted Cash App and requested the information on the fraudulent card. I was given the last 4 numbers of the receiving card and the bank it went to. Cash App denied my dispute and told me to contact the Bank. The Bank XXXX XXXX XXXX  ) informed me that they had no records of the transaction and that I had no accounts with them. 
I contacted Cash App again requesting all information pertaining to the transaction and I was told no. 
I filed a fraud report and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I do not believe that I owe any debt and I have requested to Capital one to verify the debt by providing certain information like the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves that this creditor has suffered a loss. To date I have yet to receive a response. I have attached the dispute letter that I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TN

Complaint narrative:
I had been looking at used cars on the XXXX XXXX  on XX/XX/year>. I had sent a message to the XXXX  post about a used car and was told information about it and asked about where I could see it and then I was told it was a car dealership I had denied wanting any further service as I was not looking to use a dealership. I made this well known and then left a message. Then I received calls from an auto-simple but it would only ring one or two times and just hang up. Then I received a flyer in the mail on XXXX from XXXX stating my personal credit information. I reached out to the store on XXXX XXXX. here in XXXX, TN. I spoke to XXXX XXXX the manager of the store about the flyer he asked that I email him a picture of the flyer which I did and he said it was something they send out to all neighborhoods. However, upon checking my credit I noticed a hard inquiry from XXXX XXXX on XX/XX/year> without my permission this manager lied to me and sent me an email saying something about an IP address and now says someone at my address gave the information but is refusing to show me proof that I requested my credit be pulled. He hangs up on me when I call or try to inquire about why I have a hard inquiry on my credit that I did not approve. He lied about the flyer as I went to my community meeting and neighbors to make sure if anyone else got a flyer and no one got one. This company pulled my info without my permission and I did not give them any information but my name on XXXX. I have not requested their services and when I called the same manager I told I was recording the conversation and he kept hanging up. he refuses to show any consent to my info being used or how it was obtained.

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 2024-03-17 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: GA

Complaint narrative:
I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.

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 2024-03-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: PA

Complaint narrative:
I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company General Revenue Corporation has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). And they further violated the act by reporting a duplicate of this false information. I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I just found out about this settlement offer. But my account was with BOA in the late XXXX and early XXXX. The bank would process my bank drafts in the order of largest to smallest transaction no matter what the dates on the check or debits the account came in. Some times totaling more than XXXX XXXX in overdraft fees. This happened many times over the years and complained multiple times the transaction orders were not correct and would hold my check hostage and take the fees out before I could process any other transactions

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 2024-03-17 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: FL

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and discovered a discrepancy on my Experian credit report regarding Account - XXXX - XXXX. The account was being reported as a paid account that was 30 days past the due date, along with a reported late payment that is incorrect. Upon investigating, I contacted Experian on XX/XX/XXXX to rectify this discrepancy. On XX/XX/XXXX, I received a notification from Experian stating they received my dispute and would begin an investigation. I expected them to forward all relevant information to the original creditor to ensure a proper investigation of my dispute under the FCRA 611 ( a ) ( 2 ) ( b ) law. However, on XX/XX/XXXX, Experian responded that the investigation was complete and the information was verified. According to FCRA 611 ( a ) ( 7 ), I should have received all the information used for my investigation. The account is still being reported inaccurately, negatively affecting my financial standing.

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 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Every time I try to make a payment to my Aidvantage loan servicer, it keeps getting returned and will not allow me to pay off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MD

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX i will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE AND NOT 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 non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax does not have about 50 % of my credit reported, I have contacted these tradelines and they DO report to EQ but EQ seems to refuse to post them and this is causing damage to my credit, I show 50 % less credit then I actually have and its leading to me being denied credit for a " Thin file '' or " not enough credit history '' at places that happen to pull Equifax!!! 

I have uploaded a copy of my XXXX report as well as my Equifax and you can see the difference aka missing items on the EQ vs XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MD

Complaint narrative:
I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS

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 2024-03-17 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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit report is reporting several wrong personal identifiers in my file, which may jeopardize my identity if its not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things are really harming my life. My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. 

Also, my current address is XXXX XXXX  XXXX, XXXX, MA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX, MA XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or 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 explanation