vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened 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 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020

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 2024-02-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-29 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: IL

Complaint narrative:
This debt is in relation to a lease agreement for an apartment. The lease was ended early, due to loss of employment. There is a specific clause in the lease that allows for the term to be ended early if you were to become unemployed in the first 6 months of the lease. We provided the apartment complex 30 days notice that employment was lost and that we would be ending the lease early. The final XXXX months of rent was paid and the apartment was vacated. 4 months later we received a letter from National Credit Systems stating we owed a debt of {$2200.00}. We requested information as to the validity of this debt and any documentation showing what these charges were for and how this was determined. We filed the dispute with NCS on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received any information regarding the details behind this debt. The apartment complex is XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding LLC Reference # XXXX. 

I have been notified that my identity had been compromised due to the XXXX data breech. 

I noticed a collection account from Resurgent / LVNV Funding LLC via XXXX XXXX I have never had a XXXXXXXX XXXX account and XXXXXXXX XXXX  is not reporting in my credit file. Resurgent / LVNV Funding LLC has sent me three letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent certified mail ( Document attached, Resurgent.pdf ; Page 1 ) that was signed for XX/XX/XXXX. I filled out the form Resurgent / LVNV Funding LLC asked me to fill out ( Document attached, Resurgent.pdf ; Page 4 ), Resurgent / LVNV Funding LLC asked for a notarized copy of their document ( Document attached, Resurgent.pdf ; Page 5 ). 

( Document attached, Resurgent.pdf ; Page 6 ) shows a copy of a XXXXXXXX XXXX statement addressed to XXXX XXXX ( Not my legal name ) with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. I have never lived in Arizona. This is a fraudulent address, on a fraudulent account. This address is not on my credit profile. This collection account needs to be removed as it does not belong to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XXXXXXXX XXXX XXXX I sent Midland Credit a debt validation letter pursuant the FCRA for them to validate and provide proof of this alleged debt. I noticed it on my three credit reports and disputed them, XXXX and XXXX took them off immediately However, XXXX did not, as Midland credit sent it back to them as Verified. Since then, I have sent multiple letters to midland credit with no response back and it has been 2 years now with no resolution, The only thing I have received from Midland has been a notice of pre legal status threating that I may be sued. Another blatant violation of the FCRA and FDCPA ; since debt collection must cease until the debit is validated. They have failed to meet their burden to a debt that I do not owe. See attached letters and certified receipts. I asked for certain info that simply they can not provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX  Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXXXXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am disputing a very old debt with Portfolio Recovery Associates. I have sent them letters via certified and regular mail to state my intention to dispute the debt and also request documentation to support their claims that I owe this debt. This item was disputed with the credit card bureaus and removed from my credit report years ago because the debt could not be validated. This debt is from 2016, so I don't even know if its within the statute of limitations. Now, this company is taking legal action and trying to garnish my wages, but has failed to prove that the debt is legitimately mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/year> XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/scrub> XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020

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 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover recharging me on a credit that XXXX has given to me I have tried to fix this with XXXX several times the last statement I have for them trying to rectify the charge for {$2200.00}. So each debit has a credit as of my statement on XX/XX/XXXX through XX/XX/XXXX. I had filed a dispute trying to get discovered to realize they had not posted the credit they had been given the information and failed to do so. So after my dispute and I had my credit again, they recharged me. So, even though XXXX has provided information that they have given back, the monies discover has not given me my credit on each of them I want my money! 

Now I filed a complaint, not receiving monies, and discover executive office advocacy, XXXX, stated that it was returned on my gift card balance. I have printed out all 72 transactions clearly it was not credited back and Im pretty sure discover knows that. 

There is not a gift card, credit refund in that amount and discovered did not provide a copy of the gift card details. 

Discover has again charged me on a statement, XX/XX/XXXX through XX/XX/XXXX {$2100.00}. So again they are charging me even though Ive been given these credits by XXXX. I am now missing two credits. Each merchant has their property back. I spent a lot of time on XX/XX/XXXX with XXXX going over my credits. 

Im not sure how discover can continue to charge me when I received a letter XX/XX/XXXX that my account would be closed in 14 days. If I did not give them a variety of information copies of all my ID IDs, i.e. drivers license/passport, three months worth of all of my banking statements, notarized, and access to my tax returns. I had made my payment in XX/XX/XXXX and yet I was not permitted access to my card that had a {$6000.00} limit which they changed to {$3400.00} At this point, I am missing both credits one from XX/XX/XXXX and the other credit from XX/XX/XXXX. The total now is {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: 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.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis has an open Case XXXX XXXXXXXX I received notice of a substantial premium increase ( more than doubled ) from my current automobile insurer. This is a new ( to me ) policy ; I was with my previous insurer for XXXX years and left over a mishandled claim. The premium increase led me to investigate and I was told that there is incorrect information being reported about me in the LexisNexis database CLUE ( Comprehensive Loss Underwriting Exchange ) which is affecting my rates. 

It has taken me almost 2 weeks to get the report from LexisNexis and it is XXXX pages which are FILLED with errors. Addresses, phone numbers, email addresses and names I have never used - but the worst part is that the information about my insurance policies is wildly inaccurate. They are showing drivers who are not on my policy as primary, and showing me as excluded. There is an insurance policy showing with a company I have never heard of and definitely never did business with. The information about my new carrier is jumbled so that even though I know what it is supposed to be, I can't figure out what they are saying. The section showing claims is just ridiculous. My last accident was in XXXX  when I was XXXX XXXX XXXX XXXX and foolishly agreed to let him pay for the damage out-of-pocket because he was such a nice guy and I felt bad for him. Live and learn. The car lost value because it was in an accident and the claim that was never supposed to be on my policy in the first place has haunted me even though it supposedly would only be reported for 7 years. There are XXXX pages in the XXXX page LexisNexis report devoted to similar inaccuracies which are clearly harming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit report shows my name being different people, it also has my current address wrong, different balances on accounts. I have paid credit repair companies to try to remove items from my report, I want my credit report accurate, I have a lot of bad inaccurate information on my credit report, please fix these issues, Thank You

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report shows my name being different people, it also has my current address wrong, different balances on accounts. I have paid credit repair companies to try to remove items from my report, I want my credit report accurate, I have a lot of bad inaccurate information on my credit report, please fix these issues, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Found a vehicle for sale online and was told thru the website to transfer money for the selling price to a Bank of America account in XXXX, XXXX 
Shortly after providing proof of the transfer, the website was no longer available. When I contacted Bank of America and requested help with the recovery of funds, I was told that it was a voluntary transfer and there was little they could do. I filed a claim with the banks fraud department but haven't had any replies to my calls. Have filed a police report with my XXXX XXXX police as well as the FTC.

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 monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX a purchase ( XXXX ) made using Ann Taylor Credit Card was made. On XX/XX/XXXX a return was made that refunded most of the cost ( XXXX ). On XX/XX/XXXX a payment was made of ( XXXX ). On {$29.00} dollar balance, I have received {$100.00} dollars in fees as of XX/XX/XXXX. when contacting the CC, I have received multiple push back on refunding some of the fee cost. as of XX/XX/XXXX, I have paid {$50.00} and only received {$40.00} in returned fees. the amount of fees being charged is excessive and the level of customer service is mediocre. I even got a rude and unprofessional comments from XXXX one of the banks customer service personal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: MD

Complaint narrative:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

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 2024-02-29 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: TX

Complaint narrative:
Ive recently checked my credit report and Ive noticed some inaccurate accounts and misinformation reporting.

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 2024-02-29 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: AZ

Complaint narrative:
I have disputed 7 student loans over 3 times with Experian and provided documentation of the loan balance from my student loans from XXXX being transferred to XXXX XXXX, XXXX has stated they are not reporting anymore and documentation shows my loans were moved to another loan service, this is showing I have 14 ACTIVE LOANS when it would be 7, its doubling my loan amount on my credit report and only Experian is doing it the other two have reported correctly

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