vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc
State: FL

Complaint narrative:
My Identity was used to create account number XXXX without my authorization I have XXXX and FTC Identity Theft report on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
There is a collection account on my credit report for {$2700.00} from Jefferson Capital Sy that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The bankruptcy should not be on my credit 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 explanation
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo Hello, I was threatened today by Venmo they would seek a debt collector on me to pay an outstanding balance. I fell for a XXXXXXXX XXXX scam. I contacted Venmo and my local credit union to stop payment once I realized it was a scam ( total sent {$400.00} ). My XXXX  was great and stopped payment right away. Venmo, despite being notified within 15 minutes said they investigate it. They proceeded to deny my claim of fraud and said they would freeze my account until the payment was made. I made peace with it and moved on. Today, about 3 months later I was called by a representative who said failure to pay would result in a debt collection agency coming after me. 
They were told it was a scam payment, they were asked to freeze the transaction before completion, they failed to act and say I am on the hook now. I do not believe I should be liable for their failure of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Servicing of my XXXX XXXX loan was transferred to Sofi via XXXX acquisition of XXXX XXXX. I followed the instructions sent to me by XXXX and Sofi to establish my account through their XXXX portal. XXXX  and functionality of Sofi 's XXXX system is extremely limited and information is obscure and difficult to find. I contacted Sofi 's phone customer service and spoke with a representative who informed me that users couldn't update accounts or set up autopay themselves through the site due to limited functionality. The representative informed me verbally that my new checking account details had been updated ( from XXXX XXXX XXXX to XXXXXXXX XXXX  ) and that autopay had been established. Autopay failed to draft the minimum required payment as I was expecting and I'm now showing as late in their system. It's unclear if I've been charged a late fee, however the system is showing that I'm due to make a payment to Sofi for some amount that isn't my normal monthly payment amount. The system also does show that I'm 2 days late as of XX/XX/2024. 

The transition from XXXX to XXXX to Sofi has been clunky at best, and because Sofi 's XXXXXXXX XXXX  is limited in functionality and doesn't present data in an intuitive or clear/transparent manner, it's difficult to ascertain what is happening with my account. Furthermore, calling their customer service team doesn't seem to help as I tried but they've since failed to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Good Day, I did pay off my Car loan with TD Auto finance institute. I paid off everything on XXXX XXXX everything is settled at their end too. after a week of payment i called for the Title, they said it will be release in some time call them week after. i did the same, this time they said, there is issue with your file address hence PA can not release title electronically, and that has to first come to TD and TD will send this title to you. They asked me to wait for a week again. I did that, when i call them on third week, they said they hv received the title ( XXXX XXXX ) and it is with TD now. they are in process to send it to me. I will be receiving title in 5 to 7 days. I hv waited for give time and since then i am calling them every week to know where we are, but they have no clue and keep telling me 5 to 7 days. they do not have ETA when can i get my title. Please help me with this. 

Thank you!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled RESURGENT/LVNV FUNDING Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I had an approval contract with XXXX. I was told by the lender that I would close on XX/XX/year> but for whatever reason no fault to me/buyer that an extension needed to be done for another XXXX  days. However, on XX/XX/year> a denial letter was sent to the lender stating that I had been denied for the loan. The lender never gave me a letter nor informed me that I was denied. On XX/XX/year> I contacted XXXX myself and I was told that I should not have ever been given a closing date and that my loan was denied He could not tell my why but stated that it wasn't because of my transcript as to what the loan XXXX told me. 

I have lost all of my earnest money that I put up because of the negligence of the loan XXXX and still today I have not received a denial letter or termination letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
As advised in a previous dispute with XXXX XXXX XXXX XXXX complaint # XXXX. Collection agency was advised that the creditor Flagstar Bank was in compliance with myself and that the debt was charged off as a loss and that there was no debt owed. XXXX XXXX XXXX XXXX refused to honor that request advising they would not provide compensation for inaccurate reporting to the consumer reporting or remove the account. The collection agency had been reporting the account to the report for 5 years in the consumers continuous dispute of the inaccuracy of the account. Flagstar has recently provided me with the letter which highlights the cancellation of the debt. I am requesting compensation for XXXX XXXX XXXX XXXX damages and inaccurate reporting pursuant to the FDCPA against myself. If it is not received how to cure the false practices of your company pursuant to the FDCPA within 30 days other actions may be filed.

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 2024-05-22 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: NY

Complaint narrative:
XXXX, TransUnion, and XXXX Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by TransUnion, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That TransUnion credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within 4 business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from TransUnion. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXXXXXX XXXX  ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXXXXXX XXXX  on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer XXXX  score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer XXXX credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!

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 2024-05-22 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: NY

Complaint narrative:
Experian, XXXX, and XXXX Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by XXXX, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That XXXX credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within 4 business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from XXXX. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXX Bank ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXXXXXX XXXX on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer XXXX score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer XXXX credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!

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