vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in https 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 2023-02-20 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: IL

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX  never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Innovative Recovery ( " IR '' ) posted an incorrect debt to my credit reporting. I contacted them with their information from credit reporting years ago and learned that it was related to claimed rent for a month post my move-out at XXXX Apartments XXXX I contacted XXXX Apartments and provided them with the email correspondence with the prior property manager confirming my move-out dates and that my account had no amounts outstanding. I never received any communication from XXXX and the first time I became aware of this debt was as a result of a decline in my credit score where IR reported an incorrect debt owed. XXXX told me they could not do anything about it, since they already turned it over to IR and I needed to work with IR. I contacted IR again and provided them with my supporting paper trail via email. They proceeded to call me several times requesting payment and threatening the impact to my credit report. I explained to them several times they have an incorrect/invalid information and provided them with supporting documentation and they've ignored it. I've disputed with all of the credit agencies ( including providing my documentation ) and they've told me that IR has certified in their response that it is valid and therefore since it is certified they need to keep it. This is absolutely ridiculous that simply just saying " valid '' in an electronic response is an acceptable basis for a collections agency to operate. A grave injustice has been done by this Company and my supporting documentation has been ignored and continues to be ignored. I have no history of a single late payment nor any debt collection. I am responsible with my credit, as demonstrated with my long history. This situation has impacted my access to credit and the rates at which I am being provided debt ; and with a collector reporting incorrect information and telling me they will only remove it if I pay something that I do not owe, this is just an unacceptable business practice. This was showing up on the report of my ex as well and they bullied her into paying half, which she needed to get this removed from her report to apply to law school. I am seeking help to remedy this situation. They must be doing this to other consumers as well and this should be investigated and put to a stop. Any help you can provide would be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I till have been chagred for {$430.00} since XXXX XXXX 

In XXXX  I already paid on XXXXXXXX  and XXXX. 

Total two payments were {$860.00}. 

Until today a company wanted this amount ( XXXX ) again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received an envelope in the mail, showing that a savings account was opened in my name. The letter has my name and address and shows an active account in my name, however, I have NEVER done any business with Barclays. 

I did not open this account. 

I did not request to open this account.

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 2023-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-02-20 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: NC

Complaint narrative:
I have submitted a dispute for the account noted below : XXXX XXXX XXXX XXXX This is not accurately reporting. I have disputed and requested validation of the debt. The consumer credit reporting continues to say the company have confirmed it is valid. However, it is not. I have requested validation methods and sent verification of my identity as this is not accurate and adversely impacting my credit file.

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 2023-02-20 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: VA

Complaint narrative:
Upon looking at my Consumer report I have identified items that are the result of identity theft, because each item ( documents enclosed/attached ) does not have my written or verbal consent to report these items listed to my consumer report. According to 15 USC 1681 C-2 I am now filing this Identity theft report for the ( Enclosed/attached ) items. Please review all attached documents and all applicable laws.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from 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 2023-02-20 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
i am in the process of applying for a mortgage and i have submitted this to the credit bureaus because i have been a victim of identity theft and they have failed to remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Here is the common sense if I was in an alleged litigation why is it that they respond but, when pertaining to this corporation involving an unlawful practice. I am in litigation with them please have them provide an exhibit of this.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!

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 2023-02-20 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: GA

Complaint narrative:
These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under laws of the united states, if executed outside of United states that the foregoing is true and correct to the best of y knowledge. Further more, i certify that i am entitled by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION that is punishable under 18 U.S.C. 1001. Additionally, these statements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that some person or company used my personal information for goods, services, or money, and was successful in creating some accounts without my authorization. All is being investigated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Their sending me a letter saying that their sending my name to a collection agency. The problem is, this is NOT MY DEBT. Their trying to say I was a co signer to medical bills. I have NEVER co signed for anybody 's Doctors bills. ( wouldn't I have to sign a form, anyways? ) I told them to take my name off of this and they said NO, THEY WILL NOT. I told them I was going to sue them for harassment if they didn't stop harassing me.. I am XXXX years old with children over XXXX years old and I don't need this aggravation. I want them to take my name off of this because my credit is excellent and this is NOT MY BILL!!! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
A summons was delivered to my home in XXXX from Gulfco aka Tower Loan. The woman who delivered the summons stood in my driveway and took photos of vehicles in the drive as well as my home. This loan was unsecured and I feel as though taking the photos was a scare tactic on behalf of Gulfco aka Tower Loan. I never received a debt validation letter from this company and feel they have breached my rights under the FDCPA by not doing so. I didn't get a copy of the original loan documents until the date of our first court appearance in XXXX. This case has been continued until XX/XX/2023 due to me countersuing them for the above reasons along with other violations of my rights under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Began a Covid forbearance in XX/XX/XXXX and entered into a modification agreement in XX/XX/XXXX. The mortgage was in good standing in XX/XX/XXXX and the XX/XX/XXXX modification agreement provided for an auto debit each month with Rocket setting the amount and timing of the debt to be deducted from my checking account to ensure full compliance with all terms of the modification. To ensure this compliance called the servicer each month and verified the auto debit which was subsequently deducted from my account. On XX/XX/XXXX spoke with XXXX of Rocket who scheduled the auto debit for both XXXX and XX/XX/XXXX. On XX/XX/XXXX notified that Rocket was cancelling these auto debits, charging thousands in alleged default related fees, initiating foreclosure proceedings and threatening to damage my credit rating. On XX/XX/XXXX we filed a QWR ( enclosed ) by certified mail, return receipt enclosing two backup checks in the same amount as agreed on XX/XX/XXXX. We have not received a response to this QWR or a subsequent XX/XX/XXXX QWR and we enclose both for review. We are asking the CFPB to help us obtain a response from this servicer with all fees charged and the transcripts to the XX/XX/XXXX and XXXX auto debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted a dispute for the account noted below : XXXX XXXX XXXX XXXX This is not accurately reporting. I have disputed and requested validation of the debt. The consumer credit reporting continues to say the company have confirmed it is valid. However, it is not. I have requested validation methods and sent verification of my identity as this is not accurate and adversely impacting my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This collection account is reporting as a open ... with a pass bal and the credit reporting agencies is reporting this inaccurate information... the account is the US department of education the amount is {$4500.00} reporting date as XX/XX/2023 2023

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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