vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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 went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are 8 inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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 went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are 8 inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX and 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26 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: PA

Complaint narrative:
Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: PA

Complaint narrative:
Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I received a Fraud Alert from my company XXXX XXXX that a checking account has been opened in my name with Well Fargo Bank. 
I have NEVER dealt with Wells Fargo Bank and I did not open the account in question. 
I contacted XXXX XXXX and they made a conference call with me to Wells Fargo Bank. 
Wells Fargo Bank placed a " Hold '' on the account and reported it as Fraudulent. 
I physically went to a local Wells Fargo Branch office to confirm the " Hold '' and was given the account number which was opened in my name and was told that the account is frozen..

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 2022-05-26 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Someone opened a fraudulent credit card in my name with out my authorization. I have contacted the merchant several times and finally got it closed but it is still reporting as closed on my credit report. This is not my account and should not be 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 non-monetary relief
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX ACCT 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 explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
Hello I am writing to you inreguards to my mortgage., XXXX XXXX i filed a XXXX XXXX to stop a forcloser, And now they are forclosing on my home again. I just recived papers from there Lawyer just 2 days ago, The plans they put togather for me to pay back the rears pluse monthly payments were to much for me to pay a monthly, with all the other monthly bills I was paying bankruptcy XXXX XXXX for thee months -and then XXXX the XXXX of month and then XXXX at the end of month plus my monthly mortgage payment, so iam on XXXX is just not enough money, so i am asking for your help with this i have a XXXX XXXX and other XXXX it all just to much, and as well inflation gas food everthing else it just to much it si even harder now Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
XX/XX/22 XXXX from Resurgent Capital Services stating I owed money from a credit card {$1300.00}. I replied in writing asking where this debt was from and why. 

XX/XX/22 XXXX from Resurgent Capital Services stating they had initiated a review and then they sent a account summary which provides verification of debt. I replied in writing that this was not my name and I had never lived in NY where this persons address is listed. 

XX/XX/22 XXXX from Resurgent Capital Services stating again that they were sending me verification of debt. Again incorrect name and address. On XX/XX/22 I sent a letter to Resurgent Capital Services stating this was the wrong name and wrong address and that I would file a complaint if they did not stop sending something for someone else. 

XX/XX/22 Letter from Resurgent Capital Services stating again that they were sending me verification of debt. Again the incorrect name and address. Letters mailed to Resurgent Capital Services stating that again this is not my name or address. Also complaint filed with CFPB and States Attorney Generals of SC and NM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: Designed Receivable Solutions, Inc.
State: KS

Complaint narrative:
XX/XX/XXXX - Filed a dispute due to not having any knowledge of the account existence or that it was going to be sent to collections -Claim was closed on XX/XX/XXXX and account was removed from credit report XX/XX/XXXX -Account was reported again to Credit Bureaus XX/XX/XXXX - Noticed the collections account on credit report and filed a second dispute -Contacted XXXX XXXX XXXX XXXX Was told that they tried to contact us and billed XXXX but the account remained unpaid. Notified the representative that we never received any kind of notification regarding the account being unpaid or that it was going to be sent to collections. Representative said that she could not release any information regarding the account because it is an old account. Requested a copy of the claim document for personal review; was told they can only mail it ( no fax or emailed copies ) -Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. 
-Contacted XXXX ( XXXX XXXX ) to inquire about the claim. Representative stated that they never received any claim associated with the policyholder. 
-Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. Was also advised that if the clinic would like to submit the claim, they would pay. 
XXXX XXXX XXXX stated that they couldnt resubmit the claim because too much time has passed. 

XX/XX/XXXX -Called XXXX XXXX XXXX XXXX XXXX XXXX Notified them of nonexistence claims with all XXXX regions. Requested that they remove the negative reporting from credit report. Lady on the phone said she would notify the manager and call back. Never called back. 
-Called XXXX XXXX back and requested again that negative reporting be removed, as they were illegally reporting a collections bill when they never submitted the claim to the insurance. 
-Was given a claim number and told to call XXXX XXXX to verify. 
-Called XXXX XXXX again. Spoke with Representative ( XXXX ), who advised that there was no claim and the claim number that XXXX XXXX XXXX gave was incorrect because their claim numbers begin with a letter, and the claim number that XXXX gave was all numerical. Was also advised to seek legal advice, as they are illegally reporting because they never filed a claim with the insurance. 
-Notified XXXX XXXX XXXX XXXX we were going to seek legal advice. XXXX ( supervisor ) got on the line and was very aggressive, unprofessional, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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:
In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : 1. XXXX XXXX - Account # XXXX, and Account # XXXX 2. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX - Account # XXXX 5. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX  - Account # XXXX 7. XXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX XXXX XXXX - Account # 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 2022-05-26 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:
In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : XXXX. XXXX XXXX - Account # XXXX, and Account # XXXX XXXX. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX - Account # XXXX, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've contacted Transunion to let them know that XXXX on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Transunion states they are not receiving documents even thorough it was sent out twice 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 2022-05-26 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: SC

Complaint narrative:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
Rmp Services LLC Illegally put a fictitious medical debt on my credit bureau as collection when I called the hospital ( XXXX XXXX XXXX  XXXX XXXX ) that they claimed I owed money to the hospital told me I never owed that amount that my insurance covered all and I had a remaining balance of a co-pay of {$50.00} which I paid already and I have the receipt. And I do not have a bill similar or close to the amount Rmp Service put on my credit bureau .RMP Swervice LLC stated on my credit bureau that I had a collection of {$1600.00} when I called them she collected my Social Security number without even asking any other information and hung up the phone after I gave it to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below XXXX XXXX  BANKRUPTCY - ACCOUNT XXXX XXXX  XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL 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 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took out a loan with ACE Cash Express for {$2000.00} on Friday XX/XX/2022. 
I paid back {$1500.00} in principal on XXXX/XXXX/2022. 
I made a scheduled payment of {$410.00} on XX/XX/2022. 
I called to pay off the loan on XXXX/XXXX/2022 and owed {$810.00} to pay off the remaining principal, interest, and fees. 

The total in fees and interest totaled {$720.00} for 42 day {$500.00} net loan.

Company response to consumer: Closed with explanation