vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: KY

Complaint narrative:
XXXX knows I have an attorney. They even sent my complaint responses to him however after I filed a complaint about XXXX contacting me not my attorney they then hired another 3rd party that also has started calling me several times a week and sending me correspondence in the mail at my home.and not to my attorney. I will attach a copy of the complaint results that include this debt that was sent to XXXX XXXX and then the correspondence from the new 3rd party. I'm not sure the date it was recieved but it says to respond by XX/XX/23. I think I recieved it around the end of XXXX. I can look through informed delivery if the information is needed. The calls started around the middle of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX of XXXX, credit cards were opened in my name with Shell Oil and Best Buy. A additional phone and a PC was added to my XXXX account. The PC charge was {$1900.00}. An application for unemployment was made with my personal information to the state of Ohio in XX/XX/XXXX. My name and personal information, including my SSN, has appeared on the " dark web ''. 
We discovered this fraudulent activity on XXXX XXXX, a monitoring services for those of us who were affected by the hack of OPM. The unemployment claim was discovered when I received a letter from Ohio ODJFS asking for more information regarding my unemployment claim.

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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to inform you that the data for this account " XXXX XXXX '' appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! I have no contract with 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 2023-06-12 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: FL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian was put on notice that it is violating my consumer rights and federal law by reporting inaccurate, incomplete account information that is claims was re-investigated and verified. How? Clear factual inaccuracies and XXXX compliance violations are noted. The noted accounts are NOT reportable and an are act of willful noncompliance and questionable reporting, per the FCRA for which remedy should be sought pending the Experian 's next response. 
See attachments.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company continues to send " canned '' responses and ask for information that they have been provided with DOZENS of times and refuses to block items that are a CLEAR result of financial exploitation of a vulnerable and XXXX XXXX that was incapacitated at the time of the events. 
I received no monies or services from this fraud and had no way of being aware of it at the time of the fraud. 

The company has been provided all the demographic information and VERY DETAILED explanations of the events over a dozen times, and has been provided FTC reports, CFPB reports, and law enforcement reports but STILL FAIL AS LEGALLY OBLIGATED TO BLOCK THE ITEMS.

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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was the victim of XXXX and financial exploitation of a XXXX XXXX and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX XXXX and these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Aldous & Associates. I have circled the items I dispute on the attached copy of my credit report ( s ). This item XXXX rent payment is inaccurate because at the height of the Covid 19 Pandemic late XXXX when all businesses were ordered closed, citizens were told to avoid all contact or interaction with others, XXXX XXXX XXXX was closed for classes, only on-line education was allowed. I began suffering XXXX XXXX and was under therapy from accredited XXXX XXXX XXXX XXXX XXXX in XXXX and was not able to return to XXXX as advise by school authorities, the CDC as detailed in their mandates. This egregious and fraudulent charge from this firm stated hereto goes completely against The Individuals With Disabilities Education Act of 2004 ( IDEA ) I am requesting that XXXX have the item removed. 

Enclosed are copies of Physcologist letter detailing treatment being adminiserde supporting my request. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
i am a victim of identity theft please see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX both maintain erroneous and/or false inquiries on my credit and all efforts made since XXXX to have this corrected have been futile. I sent numerous letters to have them correct these mistakes and they have not removed the inquiries. 

The following companies have indicated they sent letters to the bureaus to remove these inquiries from my file. i provided copies of the letters to te bureaus in vain 1.XXXX 2.XXXX XXXX XXXX  3 . XXXX XXXX  Initially, in the case of 3 inquiries, I was asked to secure letters from the creditors that the inquiries could not be verified and were not made by the company. I secured the letters and was advised by both companies that the letters must come directly from the creditors to the bureau. 

I secured letters from the Creditors and provided them to the bureau and still no actions were taken by the bureau. Neither bureau acknowledge my letter nor provide me with evidence of their investigation. 

I also received notices from the creditors in which 2 of them claimed they have sent letters to the Credit bureau to remove these inquiries from my file as they could not show that I requested credit from them. Yet both bureaus have refused to remove these inquiries from my credit file. 

In the case of a specific inquiry, I could neither verify the existence of the creditors by mail or phone. I notified both bureaus that the creditor does not exist. by informing them that the phone number provided for the creditors were a non-working number and the address provided for the creditor was returned by the US Postal Service as a non-deliverable address. 

Non existing Creditors : 1XXXX XXXX XXXX XXXX XXXX In my telephone conversation with the staff of both bureaus, I was informed that locating and finding a non-existent creditor which they placed on my file was my problem. Unless I could find this non-existing creditor and the non-existing creditor provided them with a letter, they intend to keep the inquiry on my credit file. In essence, the bureaus are insisting that I must magically find a creditor that they place on my file without my knowledge, and can not provide me with valid contact information. The efforts to remove this inquiry from my file is more than a year has cost me hundreds of dollars paid to a professional credit repair firm, and over 40 hours of my time going back and forth with the bureaus

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request that you eliminate the erroneous late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One Fraud department called me on Sunday XX/XX/2023 and left a VM that they were following up with me regarding opening up an account. Capital one also called my mother and left the same VM. The card is a credit card. On Monday XX/XX/2023 I called Capital One Fraud department and they advised that someone fraudulently completed an application in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under XXXX5USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.

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 2023-06-12 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: Synovus Bank
State: FL

Complaint narrative:
First Progress Credit Card, issued by Synovus bank is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in XXXX XXXX in the XXXX XXXX XXXX Florida. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 my written instructions.

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

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 2023-06-12 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I canceled this service, and received an email confirmation that it would be canceled. On XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas XXXX XXXX. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the XXXX XXXX XXXX are furnishing this unauthorized fraud. 

The XXXX XXXX XXXX are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: MD

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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