vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account Resurgent keeps trying to collect was identity theft, and I have filed a police report that I have provided Resurgent this copy x XXXX ; the last report was faxed on XX/XX/2023. On XX/XX/2023, I spoke with the same rude customer service agent I've talked to. threatened ( military veteran ) me that if I didn't do the affidavit, it would just keep on coming back as an insufficient claim, and I would continue owing until I did that affidavit. ( XXXX years ago I did an identity theft affidavit and it was ignored ) The only thing this company keeps sending me is about XXXX pages of a XXXX account statement ( XXXX ) that's it. 
______________________________________________________________________ Your fax to Resurgent at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX  Eastern Standard Time on XX/XX/2023 Your fax included XXXX page of coversheet with your text and XXXX pages of attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am currently in a XXXX XXXX  and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my Trans Union credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.

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 2023-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I have never dealt with XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I logged in to get a hold of my account. Both of my balances on my XXXX  and XXXX  cards are double the limits. I let them know this is a fraudulent payments and charges to my account. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last XXXX months. I have been battling a XXXX XXXX episode for the last XXXX months. I have been out of my day to day life with nobody available to help me make payments. I am trying to get myself back together now and made a payment only for my account to be severely damaged. I need access to credit all of this has destroyed my life. I need assistance with this. This has happened to my XXXX and XXXX credit cards

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 2023-12-30 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: OK

Complaint narrative:
On XX/XX/2023 I went to the XXXX XXXX  at XXXX XXXX XXXX XXXX. I was treated and released. On or around XX/XX/2023, I received a phone call from XXXX XXXX XXXX requesting payment for an alleged outstanding bill. I was unaware that I owed anything being and that it should have been taken care of by XXXX XXXX XXXX XXXX. I asked the representative on the phone why I owed the bill and I was informed that the claim to XXXX had been denied for reasons of me having other health care coverage. I asked her if I had other health care coverage then why did the first part of the bill get paid. I also requested the denial letter ( which is part of my medical records and I am fully entitled to it ) and the representative told me know she could not give me what I requested. I then called XXXX and XXXX informed me to tell them to re-bill it. I did as requested. Come to find out I spoke with XXXX in XXXX XXXX liability with XXXX XXXX XXXX, that in fact XXXX  XXXX had not even filled the claim with XXXX XXXX XXXX even though it says on the bill that they had. This is unfair and abusive to take advantage of a low income individual. I have also been turned over to a collections company and I have already had to pay a portion of the bill.

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 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They are violating the fair credit reporting act and the consumer laws. I did not give them written consent to report on my behalf. They are keeping fraudulent information on my reports. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : 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 2023-12-30 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-12-30 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: FL

Complaint narrative:
I noticed some inaccurate information on my credit report, so I contacted Experian and informed them of the inaccurate information being furnished and that they conduct a thorough investigation into the matter. Experian has failed to properly conduct this investigation. I submitted my dispute since the XXXX XXXX, I've tried calling requesting that they conduct an investigation on the matter, they willfully and negligently ignored my request. I logged into my Experian account, and they started the dispute process which I submitted since the XXXX XXXX XXXX, the dispute didn't get started on until the XXXX of XX/XX/2023. Then the next day XX/XX/2023, Experian updated the information on my credit report, not changing anything at all. I have doubts that they abided the laws and conducted a proper investigation on my behalf. They failed to properly investigate the information ; they violated the FCRA. Despite all this, there are XXXX more accounts that were placed to be disputed, EXPERIAN is not complying with their own policies in a timely manner. They have exceeded the XXXX  days to properly investigate my dispute, which is why I believe they did not conduct a proper investigation on my behalf and that they updated the innacurate information on my credit report in XXXX hours. Why is my dispute letter unaddressed within XXXX  days? Why is EXPERIAN not complying with their own policies? 

Also, there are numerous addresses being listed on my credit report that I am not associated with. All addresses listed on my credit report besides the address displayed on my ID which I will provide are inaccurate and I request that this inaccurate be DELETED from my credit profile.

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 2023-12-30 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal permanently closed my account they did not tell me why which is fine but when they closed my account there was a dispute on a payment I received in the amount of {$100.00} and eventually it went in my favor with the funds being reversed back to to the paypal account now when I tried to withdraw my funds PayPal said they are going to hold my funds for XXXX  days for " loss prevention ''. That is unacceptable they can't just steal my money I want it back they closed my account there should be no reason they have to hold on to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Attempting to contact Rushmore Servicing customer service at phone number listed on statement XXXX. 
It is impossible to reach a customer service representative using this phone number.

Systems auto attendant will not provide any options to speak with a human as the system did not have my S.S. Data it would not allow me to get to a live agent even when I used my loan number. This company
needs to add a prompt as there may be other consumers who have concerns outside of the allowed prompting system requiring them to get human assistance. This is a terrible situation and can impact a consumers ability to resolve matters and cause delinquency and credit related problems. This needs to addressed to protect the consumer access to their accounts. Thank you for your consideration regarding this issue. Have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I was transferring money from my Venmo account to my brothers-in-law account on XXXX XX/XX/2023. Whatever reason it flagged the transfer from my account to his account and wouldnt let it go through didnt tell me why the lady told me to transfer my money to my PayPal account and my PayPal account transferred to his Venmo account which I did it works for the first {$150.00} and I tried the rest of it. It locked my account saying that I was violating times of service, any terms of service or violated. They told me what to do. They told me to send it from my own Venmo account so my PayPal account is connected and then from my PayPal account to his Venmo account, which I did, and it went through just the first transaction. Now my my money is locked up and Im XXXX miles away from where I live And Im slept in a hotel room lobby last night and the ladies telling me thats gon na be XXXX XXXX XXXX  days until anybody can get back to me for anything so that I have to sleep almost for XXXX XXXX XXXX days because I have no money is locked up in my Venmo account. You guys wont give it back to me you wont give me any reason why being held up and theres no one you can talk to you on the phone XXXX way to get hold of anybody on a phone call you have to do it through a chat or an email and everything takes XXXX XXXX XXXX  days so here I am Monday day XXXX day XXXX actually And Im stuck this is this is bad

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Using Wells Fargo online Bill Pay, I scheduled a payment of {$2700.00} to be sent on XX/XX/23 to my XXXX credit card. On XX/XX/23, I received an automated email message from Wells Fargo indicating that a payment of that same amount ( {$2700.00} ) had been sent to " mobile. '' I immediately accessed my checking account and found that the payment had been sent to an account and was marked as XXXX I do not have and have never had a XXXX  account. 

I contacted Wells Fargo -- the account was closed and a fraud claim was filed with the bank. In several subsequent interactions with Wells Fargo, including a XXXX call that included a XXXX representative, it was confirmed that -- ( i ) the account number to which the payment was sent is not an existing XXXX account, ( ii ) the mailing address for the Payee listed in the account information is not associated with XXXX, and ( iii ) i have never had an account with XXXX or predecessor company XXXX. 

Despite this information, Wells Fargo has denied my claim and has stated that I initiated the payment and that the payment was sent to 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.

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 2023-12-30 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: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX  XXXX XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Car was repossessed in XXXX during XXXX. Noticed XXXX XXXX that I was XXXX during the times of missed payment. The sold the car for about XXXX leaving XXXX for me to pay on the 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I just got my credit report through XXXX On my credit report, it states that I have " 4 '' late payments. I looked at each account, including the closed, and only have " 2 '' from closed accounts. How do I find the other " 2 '' alleged late payments? How long does it take for this information to drop off of these closed accounts?

Also, I noticed Credit Karma ran my credit report 5 times in XXXX. I haven't applied for anything? What can I do to find out why and how to stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Myself, or my cosigner never received the last statement or the option to pay this. The collection agency said it got sent to an address on XXXX. I did not provide that to them as my forwarding address nor have I ever ever heard of that address. My cosigner never received anything it went straight to collections. When I called the collection agency to pay I offered {$400.00} a month as I am currently not working, my XXXX had a XXXX, and I am on XXXX XXXX and not receiving my full amount of pay the man said I will not accept that and I should be embarrassed to even offer that on such a high balance of {$9900.00} he also told me too bad so sad when I said, I never received the final statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to comply with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. This complaint is based on the following issues : Equifax has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, Equifax has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that Equifax 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. Equifax 's failure to do so raises concerns about their compliance with legal requirements. Equifax has not provided me with adequate information regarding the process and outcome of my dispute. Despite multiple requests, they have failed to furnish evidence or a detailed explanation of how they processed my dispute. This lack of transparency hinders my ability to understand the resolution process and assess the accuracy of my credit report. 
In light of Equifax 's failure to conduct a proper investigation and provide transparency, I request that the inaccurate information identified in my credit report be promptly deleted. This action is crucial to ensure the fair and accurate reporting of my credit history.

Company response to consumer: Closed with explanation