vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  A Account number XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX A Account number : XXXX  Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I will upload the information. I have Equifax " statements of factual proof '' I noticed I had inquiries I didnt notice. I told them many times and they claimed to look into it which was untrue. I got an alert from my bank on XXXX that I was all over the dark web with all of my information in multiple spots. They found a minimum of XXXX hits. I tried to tell Equifax, but they just say that it is mine and I now have proof that my information has been breeched again. 

I was also apart of the Equifax XXXX and this seems to be still apart of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
Cash App is forcing me to pay {$5.00} or {$50.00} to obtain a new debit card even though my old one expired. I must " order '' a debit card ( " Cash Card '' ) to be able to spend the balance on the {$30.00} Cash App XXXX XXXX for XXXX that I received. Cash App refuses to refund the gift card value to cash, and also refuses to issue a free replacement debit card, even though their website clearly states that " The XXXX XXXX is a free, customizable debit card that is connected to your Cash App balance. '' There is no free way for me to obtain the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number XXXX N/A Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I previously filed a complaint with this debt collector. Their response was a very long PDF claiming they sent the following information to me on XX/XX/XXXX. I scrolled through the entire document, and this was the first time I am being provided with this information. They never sent me this. So I scroll back up to the top to try to figure out when and where this was sent exactly. This information never made it to my hands because for some reason they decided to send it to an address I haven't lived in since XXXX. Before the alleged debt even happened. I have so many problems with this. XXXX ) How did they acquire an address I had BEFORE this all started? XXXX ) WHY of ALL the previous addresses they could have found, why THAT one? I never even received mail at that address. I used a XXXX XXXX XXXX That address has no mail box. So who knows whose got full access to my very sensitive personal information. XXXX ) If they were easily able to find out my previous addresses that had nothing to do with the alleged debt, it should be even easier to find addresses I have lived at after moving in XXXX. I only have XXXX address after XXXX, and it's the one I'm living at currently. 
This debt collector handled this very lazily, doing the bare bones minimum in effort in ACTUALLY trying to contact me about this debt. I wrote a letter from my current address requesting debt validation. Instead of responding to my letter with the " proof, '' they were careless and negligent claiming they already had sent me something. And by the way, this debt collector never responded to my written request. I'm coming to this conclusion based on how they responded to my last complaint. 
I need this off my reports because they have failed to notify me, and failed to provide validation when I did request it. The potential damage they have already done by sending a letter to an address with no mail box is far worse than a derogatory mark on my credit report. This debt collector has already done so much damage and I need this gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have unauthorized inquiries that need to be removed from my equifax report. They have already been removed from my XXXX and XXXX reports. 

Here are the inquiries Equifax Mortgage Ser - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be 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 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am sending this complaint as I am being charged {$890.00} for an apartment complex that I moved out of in XXXX of XXXX. My father and I reached out to management with why I needed to break the lease and they stated I could move out without fees. I did notify management that I would be moving out before the 90-day notice due to me starting a new semester. At the time of turning in my keys, I was provided with an invoice with a XXXX balance ( please see attached ). Within the year I received mail at my new address stating that I owed {$930.00}. I reached out directly to the apartment complex and they stated I had a XXXX balance and did not know where this balance was coming from. I disputed with XXXX and unfortunately, my documents did not arrive on time to submit with my claim. Nation Credit Systems regardless continued to state that I owe them {$890.00}. Please see the attached for all the documents I sent to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
i submitted notarized documentation of what personal information should be on my report by certified mail with return receipt signed by XXXX XXXX on XXXX XXXX, it has been thirty two days and no response from 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and there is a fraudulent account on my report.Please remove this account from my report it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: OH

Complaint narrative:
I did not consent to these inquiries and strongly believe they are fraudulent. I implore you to conduct a thorough examination and promptly eliminate them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to CITI CARDS/CITIBANK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
FCRA 605B apparently dictates the necessity of removing any incorrect accounts from my credit report. Can you please examine the documents? The inclusion of inaccurate accounts is causing me discomfort.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
I rescinded the alleged loan on XX/XX/2005 ( enclosed copy ) and second loan on XX/XX/2005. The attached letters from the Orignator ( XXXX ) requesting us to sign new loan documents after I had rescinded ( enclosed copies ) including the following : Good Faith Estimate ( GFE ) Truth in Lending Disclosures Note ( that I had questioned the rate on page XXXX ) The documents that XXXX XXXX XXXX XXXX has provided dated XX/XX/2005 are forged and was rescinded ( enclosed document shows changing dates from the XXXX to the XXXX and XXXX XXXX XXXX typed the XXXX on them, illegal ) We never wanted or agreed to a 7.1 % ( when we was paying 5.35 % ) interest rate for 40 years or wanted a second mortgage ( that XXXX XXXX XXXX XXXX has NOT provided yet ) in 2005.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: The Bureaus, Inc.
State: TX

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : THE BUREAUS Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XXXXXXXX XXXX I was marked as deceased and was not able to receive my report. I had to verify information and requested the report back in XXXX XXXX. The only thing I received from them was a letter and not the actual report. This is inappropriate and now after time has passed. I'm able to correct some information but not all of my personal information. I placed a freeze on all three reporting agencies because of derogatory information that has nothing to do with me. This is a serious matter of concern to me as a consumer and could cause me harm financially

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-15 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: EdFinancial Services
State: PA

Complaint narrative:
Contacted Edfinancial Customer service via email on XX/XX/2024 as I had overpaid a loan which exceeded the loan amount by XXXX. Initially, customer service from Edfinancial responded on XX/XX/2024 stating that the overpayment would be reapplied to another loan and that " There is no specified timeline from the finance team on when these types of payment reapplications are processed. '' I responded on XX/XX/2024, expressing my concerns that the other loans will still accrue interest while my overpayment will be stuck in limbo ( i.e., not getting interest on the amount that I overpaid while they hold up my funds ). 

XXXX, from Edfinancial 's Customer service team, responded on XX/XX/2024 stating that a request had been submitted for my overpayment to be reapplied to another loan and to allow XXXX business days from this request for processing. 

As of XX/XX/2024, this request has still not been processed and there has been no further correspondence from Edfinancial 's customer service team.

Company response to consumer: Closed with explanation