vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to relocate my son and I back to my hometown. Unfortunately all of the rental properties/apartments have been denying me an approval due to a Background Rental Screening. Wherever theyre pulling their information, or the sites these leasing offices use, has old and incorrect information still listed. I had a judgment from XXXX or XXXX with : XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 
It seems like XXXX XXXX XXXX XXXX bought them out now. However I have already went to court for this three years ago and paid the balance off IN FULL! I even drove two hours away to go back to the clerks office at the courthouse for a certified printout and to ask why is there a balance still showing? The clerks office stated this case was DISMISSED without Prejudice and was signed off by the company who initiated the judgment. Their address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have spent over {$800.00} in applications and holding fees. This is a very sad situation. I need help in order to be placed in housing so my son and I can have somewhere to LIVE. Please reach out to me if snuggling else is needed. If this remains an issue, I will seek an attorney and go after the Fair Credit Reporting Bureau and any other Company needed.

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 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have a collection on my XXXX report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Team - I would like to report Identity Theft Activity. On XXXX XX/XX/XXXX, I was made aware of this activity by receiving an email from the XXXX Credit Bureau that my credit score had decreased by XXXX points. I went to the XXXX Credit site and saw on XXXX XX/XX/XXXX that the Enhanced Recovery Collection ( ERC ) Agency ( XXXX XXXX XXXX, XXXX FL XXXX ) was trying to collect a debt that was opened on XXXX XX/XX/XXXX for XXXX in the amount of {$1600.00} ( I never had any accounts with XXXX ). I did NOT receive any correspondence ( Mail/calls ) from ERC regarding this debt. I was a victim of the national data breach on XXXX Credit Bureau and I believe this is how my information was exposed. On XXXX XX/XX/XXXX, I filed an Identity Theft Report online with the Federal Trade Commission ( FTC ) and the local police department. I also disputed this activity with the ONLY credit bureau, XXXX that was reporting this fraudulent activity. What's strange here is I encountered this same fraudulent activity on XX/XX/XXXX by XXXX for the same amount of {$1600.00}, but it was trying to be collected by a different collection agency ( XXXX ). A clear giveaway that this data was fraudulent was the email address used to open the account : XXXX. I disputed this with XXXX and it was deemed to be fraudulent and it was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have multiple hard inquiries on my Experian report that I have no knowledge of and did not authorize any of these inquiries.

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 2023-06-25 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: Nelnet, Inc.
State: TX

Complaint narrative:
My loans are improperly reported, and reported without my consent. I wish to have them removed since the reporting itself is in direct conflict with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
Quite some time ago I noticed a derogatory note on my credit report. This was being reported by NTL Recovery Agency. The amount was for {$300.00}. When calling the recovery agency I was advised that the collection account was from XXXX XXXX of Massachusetts. I was advised to dispute directly with XXXX XXXX. I downloaded the forms and sent proof of residence as I do not and have never lived in the state of Massachusetts. It has been longer than 2 months and I have never heard back the results of their investigation. No attempts to contact company have been successful

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 2023-06-25 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act 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 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 2023-06-25 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:
My loans are improperly reported, and reported without my consent. I wish to have them removed since the reporting itself is in direct conflict with the law.

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 2023-06-25 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:
My loans are improperly reported, and reported without my consent. I wish to have them removed since the reporting itself is in direct conflict with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: NY

Complaint narrative:
I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the XXXX credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, XXXX XXXX XXXX, and XXXX XXXX XXXX claiming to represent XXXX in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: NY

Complaint narrative:
I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the XXXX credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, XXXX XXXX XXXX, and XXXX XXXX XXXX claiming to represent XXXX in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.

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 2023-06-25 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: NY

Complaint narrative:
I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the 3 credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, Resurgent Capital Services, and XXXX XXXX XXXX claiming to represent LVNV in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never had an account with Capital one Bank. This is not my account. I am a victim of identity theft. this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app took XXXX from funds that were transferred to me on XX/XX/23 and did not provide a transaction on my statement to explain the charge. I messaged support about the missing funds, to which they replied saying it was for a purchase I made from XXXX between XXXX XXXX XXXX that they mistakenly refunded and this was to correct my account. 

I disputed the claim, asking for supporting documents to back their claim as on my statements I don't even have a total of {$120.00} spent at XXXX - in fact, I hadn't spent that much at XXXX on this account since XXXX of this year. They responded with another message saying they investigated and confirm the fee was to correct their mistake. No documents to support, no clear dates on when these transactions occurred and none of this is reflected on my statements.. 

They have yet to respond with anything that supports their illegal withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX  to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since 2019 was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX  XXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back to me

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 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 2023-06-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I made payments on XX/XX/2019 that included : XX/XX/2019 interest adjustment {$25.00}, XX/XX/2019 unapplied adjustment {$8.00}, XX/XX/2019 payment with overage {$3600.00} However, I was never informed of these adjustments or overage charge until my account was closed for paying off my loan and looked I looked at my account charges online. When I contacted Wells Fargo they didnt do anything about it because my auto loan account was paid off so they closed it.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2003 XXXX XXXX XXXX was reported as a Hard Inquiry on my Credit report for Equifax. I have tried contacting them to please remove this inaccurate item off my credit report, I never gave permission for it to be ran or filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
A police report was filed concerning a fraudulent charge on my Wells Fargo credit card. The police report was forwarded to Wells Fargo. It was not acknowledged by Wells Fargo ; they didn't respond or remove the charge off. I pay off the fraudulent charge. I still have a copy of the report that was filed.

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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
When in fact, American Express clearly listed negotiable instruments among the payment options in the customer agreement, American is in possession of multiple negotiable instruments made payable to American Express for over 10 days and did not credited the accounts of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: PA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Equifax on XX/XX/XXXX. Regrettably, Equifax has failed to respond to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 

Upon reviewing a copy of my credit report, I discovered the following inaccurate information that requires correction : Account Name : XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$54.00} I want to bring to your attention that the balance reported for the specified closed account is incorrect. This inaccurate information is significantly damaging my credit reputation. I request that you revise the Past Due information, as it is inappropriate to report a Past Due amount for a charged-off account. The negative impact of this account on my credit score necessitates an agreement with my creditor regarding the incorrect data. Therefore, I kindly request that you mark this account as disputed to prevent further adverse effects on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I am a victim of identity theft, my information has been used on several accounts that I have no knowledge of. 
credit card identity theft bank accounts identity theft apartment leasing identity theft I believe it was my mother or grandmother that did these things unlawful fraudalent acts and should be held accountable for fraudulently using my social security number to open accounts. Now as an adult I am sufffering trying to move forward in life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
While checking into the national multistate licensing system, I noticed XXXX XXXX XXXX is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX XXXX XXXX ) After deletion I need an updated credit report.

Company response to consumer: Closed with explanation