vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}

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 non-monetary relief
Consumer complaint received 2022-08-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: NY

Complaint narrative:
I was Looking Through My Credit Report and I Noticed ... XXXX Reporting an UnAuthorized Inquiry On My Credit Report From " XXXX XXXX XXXX. AND XXXX XXXX Partial Acct # XXXX I did not Give Written Permission To Experian To Furnish any Inquiry on MY Credit Report... This is a Violation of the Credit Reporting Act Section 1681 ( c ) Which Constitutes as Fraudulent Activity and is Also a Serious Breach of My Privacy Rights. 

I want EXPERIAN to provide me with Copies Bearing my Signature of any Documentation I sign Giving them Permission to Furnish anything on My Credit Report. 

In The Absence of Any Such Documents bearing my Signature, I formally Request that those Fraudulent Inquiries Be DELETED Immediately. 

You have 30 days to produce the Requested Contract and to Complete this Investigation as per The Fair Credit Reporting Act Section 611

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 2022-08-01 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: TekCollect Inc.
State: IL

Complaint narrative:
It's a very old bank account with XXXX XXXXXXXX XXXX that was paid in full then closed. It's being reported monthly to XXXX by TEK COLLECT. Unsure why. 
Called XXXX XXXXXXXX XXXX  on XXXX, spoke with XXXX who informed me he had no idea why. Called TEK COLLECT also on XXXX, spoke with XXXX. I gave her the account # XXXX which is what's listed for their agency on my XXXX credit report, and XXXX could find no information in her computer on me. 
This is a very negative mark on my credit that has prevented me from opening a new bank account, and getting a home loan. I'm unsure of how else to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$19000.00}

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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I am a victim of Identity theft, someone broke into my car and stole my wallet and luggage along with passport and ss card, I filed a police report and the investigation is ongoing, till this day. Ive never had an account with XXXX XXXX or allied collection services nor did I give anyone permission to open this account.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
I deposited {$7400.00} into current account XXXX from my cashapp account that was supposed to been moved into my XXXX account XXXX from my XXXX XXXX account the 5 day money was still pending I contact them asking why was it still pending and that XXXX XXXX no records of pending payments they closed my account no response I called they said I would get email if I had a problem to email them I did no response no funds no way to get my money back nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have an account that was listed on my credit bureaus in the name of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY. I have no knowledge of this account or to XXXX. The phone number is just a recording and I have sent emails with no reply. This is fraud

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 2022-08-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}

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 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have a collection from LUNV from a XXXXXXXX XXXX  credit card in the amount {$11000.00}, I did not make this purchase or authorize any person to charge this card. I have disputed, it was taken off of my XXXX account but it was denied by XXXX. This is effecting my credit very badly and I need to get it removed. I really hope you are able to help me do that in the fastest way possible. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I received an email from Bank of America stating that an XXXX XXXX Banking Account in my name was applied for, confirmation number XXXX. I do not bank with this bank. I tried to contact this bank, but contact appears to be impossible if you don't have an existing account with 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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Blackhawk Network Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/2022 I purchased ( 6 ) XXXX XXXX as you go prepaid XXXX each at the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Louisiana the total of all ( 6 ) cards totaled {$3000.00}. I have never used these cards before and a employee from XXXX asked me what I was looking for and i said XXXX gift cards.She picked up 6 as i requested and said to go to customer service and purchase. I did and went home to activate cards. Once I completed I tried to use cards and couldn't. I then read info and found out cards had to be registered. However I tried registering cards and it wouldn't process. This is my first time ever to use this XXXX card when I started reading I realized they were the wrong cards and in fact were not gift cards. I am at a loss because I can't use the cards and i can't use the atm machine to get money back. I am not familiar with your cards and i personally never would have purchased said cards had i not been told these were gift cards. I am XXXX XXXX XXXX and can't lose this large amount of money. I was purchasing to help a family member in need and now i can't. I am requesting to be reimbursed as soon as possible and would like to redeposit into my account asap. I beg of you I'm not in the habit of making such a mistake. But i did can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist Bank is horrible. 

I opened the checking account in XX/XX/2022 and transfer {$2200.00} from my other bank. As soon as the deposit is done, the bank has blocked me says Truist needs my verification. They said i have to go to the branch which makes me drive 2 hrs from my house. I brought my drivers license and proof of address to the branch to show my identity. It has been 3 weeks and nothing resolved. I still can not get my {$2200.00} out from Truist.

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 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: MN

Complaint narrative:
I have a credit card account XXXX XXXX  XXXX ( XXXX ) which became delinquent XXXX when my employer down sized and laid me off. I contacted XXXX and they referred me to a collection agency, Stenger & Stenger since XX/XX/XXXX. I have made several offers for settlement of the account, but Stenger & Stenger is not responding to my offers. They don't even make a counter offer if they don't accept my offer. They at a time stated in a letter that they " seek to confer on a discovery plan and also to discuss possible settlement '' pursuant to Minnesota Rules of Civil Procedure, Rule 26.06 & Rules 115.10. 

I have made several offer. Instead of responding to my offer or sending me a counter offer, they keep sending court papers. They would send one package and wait for about a month and send another. They are very inconsistent. I have called them on the phone, but they don't answer their phones. These has dragged on for almost a year. I have settled my other accounts that were delinquent. But this one keep harassing me with court papers. I don't know what they want. We don't have to go to court little issues like this. Minnesota has provision for debt settlement. I want to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
See my previous complaint with you. It was never resolved. 

Equifax needs to fix my name and restore all my credit history that they apparently wiped out! 
New name : XXXX XXXX XXXX Old Name : XXXX XXXX XXXX SAME SS #. Same address. Same everything else! 

I have filed dispute after dispute and uploaded documents. They are still unable or unwilling to fix my credit files with them. 

In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all XXXX bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

I've even posted the problem on Equifax 's social media sites. They admit there's a problem but offer no remedy to fix it. 

I filed this same complaint with you months ago. It was NOT resolved. 

XXXX and XXXX both fixed ( changed ) my name immediately and maintained all my credit and employment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP

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 2022-08-01 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: VA

Complaint narrative:
i have attempted several times over the last 7 years to have the account listed as " XXXX XXXX XXXX " removed from my credit report as it was opened under fraudulent activities however Experian is still reporting it on my account.

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 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I sent Fair Collections & Outsourcing , Inc a letter asking them to validate this debt, and show original documentation that was signed by me. The information they responded with did not show any agreements that were signed by me to XXXX XXXX XXXX. I also couldn't get a clear answer on whom this debt would be owed. When I contacted XXXX XXXX XXXX directly, I was told they no longer had this debt in their files, and that the collection agency would own the debt. However, when speaking with Fair Collections & Outsourcing , Inc, I was told that they were only servicing the collection for XXXX XXXX XXXX. So there is no way for me to get any real clarity or understanding of where this originated.

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 2022-08-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation