vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: NM

Complaint narrative:
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. , claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o Resurgent Capital Services L.P. they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o Resurgent Capital Services L.P. and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been over charged draft fees and was being charged by a company for years though I asked for that to be stopped. Constantly being over charged

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 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Did not allow me to lower my APR, refinance.

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 2023-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
See Attached document. 
Payment was tendered, not returned, not credited to account and breach of private contract. Private trust property is being foreclosed on, I am the beneficiary of a decedent estate and there is an on going probate case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX  account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
I am the victim of identity theft. My information was exposed in the XXXX XXXX XXXX. I believe this is how the thief or thieves got my information. I have submitted all of the necessary documentation to law enforcement. I then sent the documents to the credit bureaus. I have sent the information to Experian at least 8 times and they are non responsive and continue to report accounts that were opened fraudulently. This is causing me severe harm. I have also reported them to the Attorney Generals office and they have failed to respond to that complaint. Please assist me in getting justice and being made whole.

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 2023-05-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX a letter was mailed to Equifax regarding improper reporting and Equifax did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending. Equifax has updated all open accounts as agreed while investigation is in progress. I, the consumer, am submitting this complaint as a follow-up to the XX/XX/XXXX complaint. The closed account with XXXX XXXX XXXXXXXX is still reporting adverse items. 
Per 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transactions by consumer are not to be reported without my permission.

Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. 
Per 15 USC 1681n ( a ) due to willful noncompliance, I am entitled to up to XXXX US dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX US dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I received a letter from Genesis Financial Service regarding my account being blocked due to change of address request. I contacted them and informed them that I did not open this account and reported fraud. They advised me to contact the FTC and register a complaint in the meantime they would close the account and investigate the fraudulent account. There was a charge made for XXXX to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NC

Complaint narrative:
15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
I have been living abroad for sometime and just returned State Side and can came home to a bunch of unauthorized fraudulent accounts under my name and social listed on my credit reports : I've reach out to law enforcement and FTC regarding my concerns. Ive also tried to reach the various credit bureaus to no avail. The following fraudulent accounts need to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The 3 credit bureaus have incorrectly and negligently continually report fraudulent accounts on my report FOR YEARS AND HAVE DESTROYED MY CREDIT FOR YEARS! Now it has HINDERED ME FROM GETTING EQUITY LINE! ITS ABSOLUTELY SO EGREGIOUS CONSIDERING THE CREDIT BUREAUS HAVE BREACHED MY PERSONAL DATA SEVERAL TIMES INCLUDING XXXX BREACH 2017. I DISPUTE ERFORS THAT THEY HAVE NOT VERIFIED THE VALIDITY OF THE ACCOUNTS! I ASKED SEVERAL TIMES FOR ORIGINAL VERIFICATION OF ACCOUNTS BECAUSE THEIR ARE SEVERAL DISCREPANCIES AND STILL HAVE NOT REMOVED THE ACCOUNT. IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THEY HAVE VIOLATED MY RIGHTS MULTIPLE TIMES FOR YEARS AND DESTROYED MY CREDIT OVER THE LAST 6,7 years or so! THIS MYST BE RECTIFIED ASAP! THEIR MUST BE ACCOUNTABILITY WITH THE 3 CREDIT BUREAUS! XXXX, TRANSUNION, 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 2023-05-05 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: TX

Complaint narrative:
It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-05 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: AL

Complaint narrative:
Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.

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 2023-05-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.

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 2023-05-05 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: PA

Complaint narrative:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XX/XX/2023 Citi-VISA blocked my card on XX/XX/XXXX. They claim there was suspicious activity. I reviewed my account online and verified all of the transactions. I am in XXXX and had posted a valid travel notice with Citi-VISA XXXX I spent over one hour on the phone. The two representatives would not identify which transactions they questioned as suspicious. They claimed they could not verify me me. I provided the code from the travel notice. They said a letter would be sent to my address in the US. But provided no details. They are too quick to claim a transaction is " suspicious ''. 

Blocking the card put a hardship on me since I needed to use the card to get back to the US. There was no real reason to block the card. I had been making regular purchases with the card will in XXXX. They wished to call my phone number of record. That is a US phone number, there is no one home to answer the phone. I gave them my XXXX phone number, but they didn't call that number. 

Blocking the card for a cardholder traveling out of the country results in a terrible inconvenience because credit cards are such an important payment method for travel expenses. I was regularly using the card before they blocked it. There were no suspicious charges. And I filed a valid travel notice. 

I called back again, that representative was able to verify me with the travel code and claimed to have unblocked the card. 

This was a terrible inconvenience and not the first time I've experienced problems with Citi-VISA while out of the USA. They need to place less emphasis on verification by phone, especially for those traveling outside the USA that can't use their USA mobile phone overseas and/or are not at home to answer their home phone.

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 2023-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app has taken money from others stating there was a system glitch and money from a transaction was credited back in error and to reference my statement. Well when the statement dropped there was no credit. They essentially stole {$100.00} from me with no proof to support it. 

Date money taken : XX/XX/23 For a transaction they say dated XX/XX/23 {$75.00} {$24.00} XXXX Statement attached showing no credit back of those amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: PA

Complaint narrative:
Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXXXXXX XXXX XXXX and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: PA

Complaint narrative:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX No phone # available Reason : Auto Loan Duration : this inquiry is scheduled to continue on record until XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation