vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, 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 2023-06-26 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:
I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, TransUnion XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, XXXX XXXX Equifax ) none of which have been updated. 

Also request for debt verification has been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-06-26 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: WA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I have attached a copy of my cease and desist notice to DIVERSIFIED ADJUSTMENT regarding the collection of an alleged debt and reporting to my consumer credit profile. I demand you respond to my letter with all of the requested information or delete this account from my consumer report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: UT

Complaint narrative:
I signed up for a business account with WISE formerly TransferWise. My business name is XXXX XXXX For no reason that they explained the account was immediately closed and the money in the account was not refunded to me. 

I have called the customer service multiple times. I was told that this is a separate department and I can submit information to their email. 

I have not received any response. I looked through their website and they promise 3 months to send any money in the account back. 

I did a dispute with my bank and was told to contact them which I have done multiple times. 

This is not being resolved. They have taken my money. I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was sent a bill thats is fraudulent.I have not received any bills from XXXX that I havent paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Certified mail : XXXX has been stuck in transit since XX/XX/2023. This CM is demand for removal of invalidated alleged debt account numbers : XXXX XX/XX/2023 XXXX responded with contact person XXXX XXXX XXXX operations manager to CFPB compliant XXXX. The company will be stopping inaccurate reporting to all three credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i sent letters to the 3 CRAs ( XXXX, Equifax, and XXXX ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i sent letters to the 3 CRAs ( XXXX, XXXX, and Experian ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below

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 2023-06-26 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This is my daughter 's account, I was making the payments for her while she was going through XXXX XXXX treatments. The company somehow attached my name to this account and now it is showing on my credit report. I tried to dispute it through the credit bureau but was denied. I have tried reaching out to the company, but due to my daughter recently filing bankruptcy, they will not speak to me in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
debt was paid was told it would be deleted it has not been

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: NJ

Complaint narrative:
Back in XXXX I got a money order in amount of XXXX to pay my rent to XXXX XXXX of XXXX XXXX XXXX both belonged to same bank. 
In a worn out state of XXXX back to back XXXX hour shifts in XXXX unit ; I filled out money order but without thinking turned around signed name on back. 

I gave to landlord I said if they don't accept I can meet you there. He said I'll just add your name to front ; that way both names both signed it says rent they know I have rentals. 

They wouldn't accept. They said I would have to cash or deposit give him the money because I signed as if mine. 

It was after banking hours and now rent 3 days late it was due, I paid a day or that day but after XXXX, do to double shifts. he went to bank and he didn't make it to give to me until next day, so I said I'll just deposit in ATM I can give you XXXX right away because I had some money in account and the electric wasn't due to withdrawal for 3 days so by then this money order would clear to cover difference and they allowed you access to XXXX out of deposit over XXXX. He said ok. This was at the same banks atm. The only banj that actually had access to atm because they got my card out for me when it ate it because I forgot it in there. 

Well they got me with overdraft fees bounced check for electric put hold for fraud on account and would not return my money order nor give me a copy of it so I could call money order company tell them and get it replaced because I lost receipt. Without receipt or id number from money order there was nothing company could do. 

I lost XXXX had XXXX in fees couldn't pay electric because froze account. I then had to come up with another XXXX. I was month behind on all my bills because of this and never able to catch up. I had to break lease due payment plan with cable electric and phone and gas after I left and got judgement against me for being month behind and breaking lease which was XXXX. It affected my credit and ability to get another bank account for awhile. I tried up until beginning of XXXX to try to resolve. Nice XXXX gentleman tried to help but seems they for some reason had no copy of money order but all the fees penalties from stating it was fraud. 

It's still upsets me it affected my entire life my credit, being in collections, being labeled as fraud account, not able to get utilities in my name for 3 years until I was able to pay it all, and lost apartment and reputation. They were rude and kind of mean treated me like criminal.

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: MO

Complaint narrative:
I get calls every day and night non-stop. Make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL EXCHANGE, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX of Florida, no longer in business, assigned our mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to XXXX Mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to Mortgage Electronic Registration Systems as a nominee for XXXX XXXX XXXX, no longer in business, on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). XXXX Mortgage issued a foreclosure on this property, located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, AGAINST the advice of the XXXX XXXX NOT to do so. This mortgage subsequently was modified and we are STILL PAYING on the original mortgage to another loan servicer. For some reason, and I believe due to the attempted foreclosure and subsequent modifications, liens are showing against the above mentioned property. It is our desire to have these liens removed so that we can move forward with a sale of the property. Thank you in advance for your assistance in this matter. It is greatly appreciated.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I noticed that an interest charge of {$90.00} was applied to my Chase Credit Card account on XX/XX/XXXX. I was surprised by this charge, as my auto-pay settings had been established to pay the statement balance in full. However, without my knowledge or consent, the auto-pay settings were modified to pay only the minimum balance, leading to the accumulation of interest charges. When I found the charge on XX/XX/XXXX, I contacted Chase customer service to investigate the issue and seek a resolution. Unfortunately, despite my efforts to clarify the situation and emphasize that the auto-pay settings were changed without my authorization, the representative I spoke with was unable to provide a satisfactory explanation. Furthermore, they stated that they were unable to reverse the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: WA

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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