vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called Resurgent Acquitions saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the XXXX XXXX  Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not Resurgent Acquisitions LVNV. Resurgent Acquisitions is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called Resurgent Acquisitons. They said I owed the money and asked who was the company saying it was paid. When I told them XXXX XXXX, I was informed that XXXX XXXX is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from Resurgent Acquisitons saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call XXXX XXXX about it, even though XXXX XXXX is their company. They said they have a process and I need to wait. I have never heard of XXXX XXXX or Resurgent Acquistions prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from XXXX XXXX saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
While setting up and online payment for property tax for the city of XXXX, CT. I was instructed by Citibank 's website to accept the mailing address in their system. The result of this acceptance the tax payment went to the city of XXXX, IA. There were two separate payments one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX. I request proof of payment from Citibank when I was informed that my tax payments were late. I brought the proof of payment to the controller office in XXXX. There was no information on the proof of payment that would allow the controller 's office to locate the funds. It was with the assistance of the bank manager that we discovered the payments actually was setup to be delivered to Iowa. I contacted Iowa 's Mayor and City Clerk, they could not find any funds matching those amounts on those dates. I went back to the bank manager explaining that I needed the actual bank account or bank name and address so that I could give the City Clerk more specific information. Again I was given a report of the Electronic Transfer without any reference to any account in Iowa. With the bank managers support we requested a funds return due to the funds not being deposited by the correct payee. I was sent a letter that stated it was too late to request the funds be return and that I should contact the payee directly. At this point I reported the transactions as a fraud case, since Citibank was convinced the monies had been transmitted correctly and the payee claimed they never got the funds. I was hoping that a fraud investigation would reveal the account where the funds were deposited. However the fraud investigation concluded the Citibank had transferred the funds correctly and there was not fraud and that if I wanted to get the funds return I would have to contact the payee. The bank manager then escalated the case to his manager but so far no one at Citibank seems to have the skills to investigate their own database, trace the payment and find the account where the funds are sitting,

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
I have looked into my record online - I had asked for transcripts of the information from the insurance company that made fictional claims against me, and this has impacted me in such a negative way that it is impacting my quality of life. There is a company called lexis Nexis I've never heard of them- but I know that the information which is on my Vehicle Insurance history is false. It needs to be removed from my records that were falsified by XXXX XXXX XXXX about claims that I stated incorrect dates or made a fraudulent claim in which I had requested the voice recording and logs of the calls that took place between me and their company which they failed to provide such proof of the conversation happening between myself and XXXX  XXXX XXXX. I had asked them to remove these remarks from my insurance history, but they have failed to remove them. I ask that all negative remarks from XXXX XXXX XXXX and Incidents that were never made with them be removed from my insurance history records immediately. I am unsure of several remarks on my file which I do not know what they are. Please be careful when doing business with XXXX XXXX XXXX  they will drop you if you make a claim and don't want to pay it out or they will try to make you " say things '' so they do not have to cover the " claim '' and they will accuse you of making fraudulent claims - I dropped them when they tried to do this with me and went with a new insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Thursday, XX/XX/XXXX, I received XXXX emails from Wells Fargo which I immediately reported as spam and deleted. I did not open these emails. The next day, on Friday, XX/XX/2022 I received an actual plastic debit card from Wells Fargo bank with what I would consider " normal '' paperwork for activating a credit or debit card. I do not have an account with Wells Fargo and this debit card was completely unsolicited. I did not activate it but instead looked up Wells Fargo online and called an " Account Management '' number for Debit and Credit cards. As a result of this conversation, I was given a claim number, XXXX and told to contact the FTC and the police. I was also told that Wells Fargo would contact me again via email. They have not. 

On Monday, XX/XX/2022 I received a letter from Wells Fargo dated XX/XX/2022, several days before all the above. The subject of the memo is : Closure of your deposit accounts : Account number : XXXX. This letter went on to say that they reviewed my account and decided to close it because it had been " compromised or impacted by potential identity theft. '' I agree that it is identity theft but it was Wells Fargo who committed the identity theft! 

Please note also that this letter used an old address " XXXX XXXX XXXX XXXX '' and I have not lived in the " rear '' address for over 13 years. My current address is XXXX XXXX XXXX. 

THIS MUST STOP. This is the 2nd time in less than six months where I have been the victim of a similar scam. Please see my previous complaint XXXX. 

I am not uploading files at this time but would be happy to do so at your request.

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 2022-06-14 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: TX

Complaint narrative:
I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than one occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXX XXXX  XXXX XXXX  MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX AS MY ID SHOWS 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 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
Acima Digital FKA Simp reported to XXXX Credit Bureau that I owed XXXX. I don't owe such amount. The creditor failed to follow the Fair Credit Reporting guidelines prior to reporting this derogatory information to the credit bureau. As such, it is requested that the collection be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2022-06-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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 2022-06-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX accused me of fraud and reported me to Early Warning in XX/XX/2020. I submitted a complaint to Early Warning advising the report was erroneous. On XX/XX/2020 I received a letter that Early Warning blocked the fraud being reported due to identity theft. On XX/XX/2020, Early Warning rescinded their findings and put the fraud back on my report advising that XXXX determined the fraud was correct. On XX/XX/2020 Early Warning applied the block and then XX/XX/2020 rescinded the block. I submitted reports to Early Warning and a letter from my attorney advising this was indeed identity theft but Early Warning is refusing to acknowledge my police reports, attorney letter, the complaint I sent to the Texas Attorney Generals office, and the letter I provided from XXXX indicating there was no fraud committed by me. Early Warning is unfairly penalizing me for something I didnt do. Ive keep all correspondence if more information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-14 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
On XXXX XXXX collection agency ( Caine & Weiner ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Caine & Weiner ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
For the first time this month XX/XX/2022, received a bill and emails for a past due of {$120.00} and a balance of {$3900.00} from Synchrony Bank XXXX that I didn't recognize. I call CareCredit Synchrony Bank at XXXX and filed a fraud claim. All this started this month and was told that the account was opened XX/XX/XXXX of this year. Waiting for document from Synchrony Bank to complete. I don't understand how this came to be, because I've attempted to open a credit account and was declined in the past.

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 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital System reported to all three credit bureaus a debt of {$950.00} that is not owed by me. This debt was previously removed from the report, but is appearing again. The creditor never contacted me prior to reporting such to the credit bureaus. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that it be removed from all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All these accounts has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-14 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: North State Acceptance, LLC
State: MD

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: NJ

Complaint narrative:
Complete Credit Solutions reported to XXXX, and XXXX a debt of {$1200.00} is owed by me. I don't owed the debt. Complete Credit Solutions failed to contact me in regards to the alleged debt prior to putting it on my credit file. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that the item is deleted from my credit files.

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