vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XXXX XX/XX/2022 I called into the dispute phone line for Experian. I managed to get them to recognize all the documents I had submitted via online disputes to get them to change my name to the one in the court order. The problem is that when the customer record name was changed, the underlying records were not. So 40 years of history has been dropped and I now have no credit report whatsoever. Your dispute center employees can see the attached records, such as the one for my mortgage through XXXX. Its just that nothing comes through when anyone, such as XXXX XXXX  pulls a credit report. I'm XXXX XXXX XXXX and I have not been XXXX  for the past 40 years. 

I am currently trying to refinance my home, but since XXXX uses Experian and they can't pull anything for me, I can't get my loan. I also can't get solar panels for the home. I also can't get any new credit cards, to say transfer the XXXX balance I have. So this mistake on their part is having direct negative consequences for me. 

And I want to hear from an actual human being on this 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 non-monetary relief
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: DE

Complaint narrative:
I was with XXXX auto insurance for more than 10 years. On or about XX/XX/XXXX, I switched carriers. Out of what appeared to be retaliation, XXXX suddenly reported information to Lexis Nexis that should not have been included on my report. This information included breakdown and tow truck charges from years prior that was suddenly listed in the claims section of my report. I have ( never ) been at fault for any accidents, but the " no faults '' were suddenly removed from those claims. The claims report also showed a pay out that I never received for a non fault accident that took place on XX/XX/XXXX. 
When I contacted XXXX, they would keep me on hold for more than an hour. Sometimes the representatives would even hang up without assisting me. Certain employees from the company would also give inaccurate statements to the Insurance Commissioner regarding my complaint. XXXX finally admitted fault and informed me and the commissioner that updates would be made on my Lexis Nexis report. 
I contacted Lexis Nexis numerous times. Their representatives would also hang up on me, or keep me on hold until I was forced to disconnect. Other representatives " claimed '' to not be able to identify me with the same information I had always given. It has been almost a year and I still haven't received an ( updated ) XXXX XXXX report. The agency verbally stated that changes were made but I still don't have any proof in hand that shows any corrections were made. After ten months of repeated requests, the agency is still furnishing old reports with errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc
State: FL

Complaint narrative:
In response to XXXX XXXX XXXX statement on XX/XX/XXXX. According to the contract uploaded by XXXX XXXX, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and XXXX has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to XXXX XXXX XXXX on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. XXXX has yet to comply with the request as well as a cease and desist request. A letter has also been sent to Credova, the company XXXX stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a recent copy of my consumer credit report and noticed some unauthorized inquiries that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.

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 2022-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
In response to Monterey Financial Services statement on XX/XX/XXXX. According to the contract uploaded by Monterery Financial, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and Monterey has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to Monterey Financial Services on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. Monterery has yet to comply with the request as well as a cease and desist request. A letter has also been sent to XXXX, the company Monterey stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against Monterey Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my Cash App debit card was declined due to no funds. After further inspection I noticed several fraud charges on my card. Within an hour and XXXX the criminals had used my card 5 times all in XXXX and XXXX MA XXXX I live in XXXX, TX and did not authorize these transactions. I notified Cash App and the merchants the same day, but the charges still posted to my account and now Cash App is saying it is not fraud and that the card is 'secure '. The Cash App claim decision number they provided is XXXX. I tried to call Cash App and spoke with a customer service associate who hung up on me. No one is helping me get my charges reimbursed. I have since filed a police report with the MA police and the TX police. Also filed a report with the XXXX  today. Charges total {$1800.00} Please help! 

XX/XX/XXXX XXXX XXXX XXXX XXXX MA {$290.00} XXXX XXXX XXXX  XXXX MA {$100.00} XXXX XXXX XXXX XXXX MA {$530.00} XXXX XXXX XXXX XXXX MA {$840.00} XXXX XXXX XXXX XXXX MA {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OR

Complaint narrative:
Today I check my credit report because I got a email Alert stating I have a new collection account via TransUnion. I opened my TransUnion account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my TransUnion account so no more fraudulent activity would take place.

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 2022-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: VA

Complaint narrative:
This is a continuation for complaint previously issued : XXXX I have received the note! Thank you. 
I have been waiting for the loss mitigation report. I have called and emailed multiple times asking for this to be expedited. We are at the 4 week mark and I have yet to receive requested documents for a settlement. This debt has not received payment in over 12 years, there are no reports of this debt listed or documented on any of the 3 credit bureaus. I am held up on offering a settlement to work on a refinance to get this house in my own name due to not receiving this information. The divorce decree has been sent along with court documents of order of content. For several years they have been sending statements to and only in XXXX XXXX name, to his address in XXXX, XXXX How this information was changed in the first place is still a mystery. The fact that they are sending the statement is his name only is also concerning. Why is my name not on these statements. The collection procedures make me feel it is a scam. You provided me with the note stating I am on this account, then my name shall be listed on ANY and EVERY statement that is issued! When I call to discuss, they still hound me for payment, and I am not doing such until I receive the loss mitigation. I have spoken with a bankruptcy attorney and am at the point of filing or just letting the house go in to foreclosure due to the stress it has caused me. At this point they need to find a resolution to settle this 12 year old debt for a fraction of the price due to their own negligence or face never seeing a cent once I let it go!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
There was a Collection on my Credit Report LVNV FUNDING LLC, account was opened XX/XX/2017 ( XXXX yrs, XXXX mos ). A credit repair team CRR, have helped to contact LVNV but we have not heard back from them. I would like LVNV FUNDING LLC to contact me so this issue can be resolved so is no longer showing on my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 without 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-10 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX  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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation