vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX  had previously confirmed these entries were reported in error. 
I sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX  's Response : XXXX  acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. 
Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or XXXX. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.

Requested Resolution : I seek the CFPBs intervention to ensure that XXXX  and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX  and the credit bureaus stating that the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I just wanted to disputed this account from XXXX XXXX from XXXX XXXX XXXX. 
This debt is more than 7 years it should be deleted to my debt and credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am a victim of unfair debt collection practices. The company I.C. SYSTEM, INC. is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

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 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX to XXXX XXXX someone is using my SSN and name to open credit accounts. My identity has been compromised. I was XXXX for a credit card and was denied because of the low credit rating that came back. I later researched and requested a copy of my credit report. The report shows that i had a account that was in collections for nonpayment, The utility company was XXXX XXXX. The company does not service XXXX Texas, where I have lived for a long time. XXXX XXXX XXXX sent a report to a collection agency. XXXX XXXX and collection company were contacted in writing by me. The utilities company was informed that the delinquent utility bill in question was not mine. I do not live or have lived in XXXX part of Texas. I have placed a dispute with the Credit Bureau and the XXXX company. The XXXX company is awaiting a copy of the Identity theft report so that they can take the charge in hand off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Chrysler Capital. 
Account # XXXX. 
Date of missing payment in question XXXXXXXX XXXX XXXX 
I have proof it was paid, sent them a fax they said they could not read it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I paid XXXX XXXX XXXX  {$49.00} to remove their information off of my EARLY WARNING SYSTEMS report I have called several times and gotten the same we cant do anything about it response XXXX XXXX is ruining my chance to open a new bank account I have reported disputes to EARLY WARNING SYSTEMS 4 separate times about this account information has repeatedly come back accurate and complete when it is not accurate at all and I have receipts showing that I paid the balance that was owed no one is doing anything about this issue and XXXX XXXX is refusing to help even after calling multiple times and talking to multiple different people I have been going back and forth with EARLY WARNING SINCE XXXX AND I STILL HAVE NOT BEEN ABLE TO GET THIS INFORMATION REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was completely shocked today to find incorrect accounts listed on my credit report, and I have no idea how they got there. I checked my report like usual, and suddenly, these inaccuracies showed up. I refreshed my browser, thinking it was an error, but the accounts remained. I'm requesting a detailed review of my documents to ensure this doesnt happen again, so I can have peace of mind.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. A collection account for {$800.00} from XXXX XXXX XXXX  with XXXX XXXX XXXX. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and I noticed there were inaccuracies in the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have identified items on my credit report that do not belong to me and were not completed by me. The identity theft accounts are as follows : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have identified items on my credit report that do not belong to me and were not completed by me. The identity theft accounts are as follows : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have identified items on my credit report that do not belong to me and were not completed by me. The identity theft accounts are as follows : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
TODAYS DATE : XX/XX/XXXXXXXXXXXX  GENESIS CRDT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GENESIS CRDT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I rented a house from the XXXX XXXX from XX/XX/XXXX to maybe XXXX of XXXX more or less ; however I had experienced a sewer over load from the moment I moved in. As i sat on my porch i would spell the raw sewage and went to investigate and noticed that there was a sewage overload in the back yard. I've complained to the Mgt. company to come and fix the issue, when they finally did fix the issue, they've incurred the cost onto me. I found this very unimaginable since I was not responsible for the issue, when I expressed my concern i was treated like an outsider, XXXX was assigned to me and he never answered any of my calls to resolve this issue, they would not take my rent if it didn't include the {$500.00} fee from fixing the backed up sewer and I was told if I'm not going to include the XXXX plus my rent of XXXX to get out, so I sought legal advice, a court date was issued, they did not show up for court. the judge ruled in my favor. I was told to leave the premises after that, and i did. One month later they have issued this on my credit report. I'd like to have this removed completely from my credit file, this will ruin any chances of me trying to rent any affordable apartments in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I have a XXXX  card with USAA. I had a charge on XX/XX/year>XXXX  for {$350.00} to my card that was not mine. I filed fraud and USAA reserved the charge and sent me a new card. A month later, they unreserved the charge AND allowed it to be charge to my account a 2nd time and they are now claiming I owe {$700.00} for something I did not purchase, authorize or receive. I have called every day for the last week and talked to 5 different people. Today I was told there are no mangers or phone number to the actual FRAUD dept. The only thing they could do for me was to make notes to my account and ask the Fraud Dept. to contact me. I have heard NOTHING. I have not gotten a letter in the mail, phone call, email, message to my USAA inbox, NOTHING. I found an article that says a lot of USAA customers have had this issue with them and it has cost customers hundreds of thousands of dollar. Another article says there are over XXXX complaints to the XXXX XXXX XXXX and a dedicated XXXX page of over XXXX former customers who have been fraud victims that USAA has done nothing about. Apparently this is their MO. Allow for fraud to happen to their customers and then try to cash in on the innocent by charging them. I did NOT make these purchase and REFUSE to pay {$700.00} for something that IS NOT MINE! I want someone to actually DO something about this, not just say they will " send the Fraud Dept a message '', only to never hear back! 

Not only did they reserve the fraud charge, but they allowed for it to be charge a SECOND time, so I have two charges for the SAME THING and NEITHER are MINE!!!!!!

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 monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, which has resulted in a fraudulent account appearing on my credit report. I am requesting that the following account be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : 1. XXXX XXXX  Account No. XXXX, Opened on XX/XX/2022, Balance : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was stunned to find incorrect accounts on my credit report this afternoon, with no explanation for how they got there. I regularly check my credit report, but this time I was shocked to see unexpected discrepancies. I even tried refreshing the page, hoping it was just a technical issue, but the errors didnt go away. Because of this, I urgently request a thorough review of the documents Ive provided so that I can finally stop worrying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: CA

Complaint narrative:
I purchased a vehicle from Carmax XX/XX/year>, and financed through XXXX XXXX and the car sold to me was sold with a stop and unable to register. I was not able to register the car and the temporary tags where expired. I could not drive around a car that was not registered. I asked to get a loaner in the meantime, while Carmax was trying to fix this situation, which was very stressful. Eventually, Carmax advised that the car was unable to be registered, and they needed to buyback the car. I purchased another vehicle from them in XXXX and the buyback covered the loan from XXXX XXXX and they sent me a check for the difference, and I didn't owe CarMax anything. They in fact owed me and sent a check. 

On XXXX XXXX Carmax auto finance attempted to debit my account {$350.00}. My account had no funds in it, so the debit was unsuccessful. I called both Carmax and Carmax auto finance to advise and inquire why the attempt happened. I finance through XXXX XXXX and make my payments through them in the amount of {$520.00}. I got transferred to several people and finally was advised to send my banking info with the attempt to XXXX explaining the situation. They said they couldn't find any attempt or why. On XX/XX/year>, a {$200.00} debit plus a {$20.00} fee was debited from my account from Carmax auto finance. I called again to ask why my account was being debited and still couldn't get an answer. I had to call my bank and was advised to change my account number as the stop placed on the first attempt was not successful. The bank advised that if Carmax had my account information they could debit my account simply by changing a letter or name. I had to change my whole account, which is an extreme inconvenience. That bank account is where my payroll is direct deposited to, and I had to stop my incoming check. This will delay my paycheck and other payments. 
This whole experience with Carmax has been extremely unprofessional, and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
According to 15 USC 1692C I advised LVNV Funding, LLC XXXX XXXX XXXX XXXX, SC XXXX to cease and desist all communication regarding improper reporting of multiple accounts under my name to the 3 credit bureaus and they have continued to report such debt and violate said law. I do not know who this company is and have never had any accounts with them or signed any contract with them agreeing that I owe them anything ( they have also failed to provide me with proof of the same ) The 4 improper accounts that they are reporting ( they have also failed to disclose FULL account numbers ) are shown on my credit files as follows : XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint with utmost certainty and deep frustration, as there are numerous errors on my credit report that I can no longer overlook. These inaccuracies have been negatively affecting my life and credit score, hindering my ability to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief