vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I XXXX XXXX received a letter Resurgent Capital Services LVNV funding LLC reference # XXXX I dont know anything about this they saying I owe them {$1400.00} which I never opened an account with XXXXr XXXX  at all I have had credit cards but never XXXX XXXX I do believe my sister XXXX XXXX has used my information to open this account her telephone number is XXXX XXXX we dont communicate at all this has been done before she also has stolen my social and ID before the s incident happens in 2003 And I hope they can find out whats going on because they coming for the wrong person even though my name was used without my permission I never give out my information for anyone to use please save me from Identity theft You may lock at my credit report and see I never held an account with this company ever I do pay my bills I wouldnt let it get to this if I owed this amount of money hope you can help thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX INC. is reporting private information that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was going to have to make a late payment on my car due to wildfires in CALIFORNIA in XXXX of 2019. I called XXXX  XXXX auto and spoke to a very nice representative and was assured that I would not receive a 30 day late charge due to the natural disaster, as we were evacuated from our homes due to the wild fire. I made the payment when I could and even after being promised that I would not get a late payment one showed up anyway. I have called XXXX XXXX auto 3 different times even after I paid off the loan entirely to try to get this late payment removed and they say the same thing every time. XXXX XXXX reports all late payments by law and can not change them. Please help me with this as its greatly lowering my credit score. I have 2 credit cards with capital one with Exceptional payment history.

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 2022-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
On XX/XX/XXXX I called Mercedes Financial in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at Mercedes financial statXXXX it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was going to have to make a late payment on my car due to wildfires in CALIFORNIA in XXXX of 2019. I called capital one auto and spoke to a very nice representative and was assured that I would not receive a 30 day late charge due to the natural disaster, as we were evacuated from our homes due to the wild fire. I made the payment when I could and even after being promised that I would not get a late payment one showed up anyway. I have called Capital one auto 3 different times even after I paid off the loan entirely to try to get this late payment removed and they say the same thing every time. Capital one reports all late payments by law and can not change them. Please help me with this as its greatly lowering my credit score. I have 2 credit cards with capital one with Exceptional payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: IL

Complaint narrative:
Today I received notice from XXXX XXXX that TransUnion dropped my score XXXX points. Upon investigation as to why, TransUnion reported that XXXX XXXX reported to them an increase to my credit use by XXXX. This concerned me because my due date is the XXXX of the month and my bill dated is the XXXX of the month and the transaction for XXXX was just posted to my XXXX account on XX/XX/2022. This was not billed yet, so how did Transunion know about the XXXX transaction. 

I called XXXX and learned Transunion told them I disputed the balance on my account XX/XX/2022 and therefore they generated an off-cycle report to Transunion and added a note to my credit report a dispute was filed on my account by me. 

I did not file a dispute on this account. I would have never filed a dispute because there is not a single late payment on the account, not ever. A dispute would be pointless. 

Obviously, this is a retaliatory transaction by Transunion to further drop my credit score. 

I have reported this LIE to XXXX and they have instructed me on what to do to remove this LIE from my Credit Report. I will follow their directives. 

However, this does not excuse the blatant LIE Transunion used to gather information fraudulently they were not entitled to get from my account until I was afforded the opportunity to pay off the balance on my account before the scheduled bill date. This time period is given to all consumers and should not have been added to my credit report until XX/XX/2022 if the balance was not paid in full.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted disputes to XXXX, XXXX and Transunion about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
I submitted disputes to Experian, XXXX and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
There is a collection on my credit profile from Hunter Warfield that was deemed not my debt. I have had this derogatory mark removed by 2 of 3 credit bureaus and demand this gets removed from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: IL

Complaint narrative:
I Sent a letter to Transunion on the XXXX of XXXX they received it on the XX/XX/XXXX XXXX, Transunion is not responding to me in a timely manner to fix this error on my account. 

There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing on my consumer report without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again, Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway I was never late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-08 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-08 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
I received a letter dated XX/XX/2022 from Rausch Strum LLP Attorneys At Law. Attempting to collect an alleged debt! I have never received any correspondence from this attorney. XXXXm fact, it is unlawful for you to contact me without my consent! Who gave you my location 15 USC 1692a7? Who gave you direct consent 15 USC 1692c? Please stop harassing me pursuant to 15 USC 1692! I hereby demand that you cease and desist from all forms of communication. An attorney can not be a debt collector and attorney at the same time! You are in violation of 15 USC 1692e ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
15 USC 1692e ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
You cant sue me you uneducated corporate piece of paper and thats pursuant to 15 USC 1692i ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. you have my private information that I did not consent for you to have and Congress found that to be identity theft! If you even attempt to contact me again I will take you to court and sue you for violating my rights as a consumer! Please be advised that every violation is worth {$1000.00} plus pain an suffering for mentally breaking my spirit and causing stress having to respond to you violating federal laws! Delete all of my personal information from your records!

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 2022-02-08 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: NC

Complaint narrative:
Experian continues to report inaccurate information and will not allow disputes online. Their systems keep saying unavailable or error. When sending them mail, they either don't respond or say the dispute has already been processed.

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 2022-02-08 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: CA

Complaint narrative:
I purchased a vehicle through XXXX XXXX XXXX 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to Equifax. My auto loan should be at about 6200+ int. Equifax told me that they were made aware that XXXX closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have been getting contacted about having a debt from a Portfolio Recovery Associates of {$8800.00} which was opened on XXXX of 2018, which I had know knowledge of and have had to replace my credentials quite a few times between the years. I would dispute the collections account that was on my report, but to no avail, it has remained. I was always told that XXXX XXXX is not the best way to look at things on your credit report so I decided to invest in XXXX to see if it can give me further details on this account. Sure enough I got the description that this was a joint account with a former spouse of mine XXXX XXXX XXXX, then it all made sense. My ex would hint to utilizing me as a co signer on things he wanted to get, either cards or cars. We tried for some cars a few times, on his devices, so he had access to my sensitive information. We had a bad falling out when I told him I need to build my credit before trying to use it, so he used my information without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have macys credit card and one day I found in the mail that my account got closed, they didnt notify me or even mention any reason for that decision.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account XXXX i was mailed a {$15000.00} cashiers check for the close o it if my account and it had bounced. I already submitted a notarized fraud affidavit to Citibank and all the documents they needed. The bank is now stating it is sent it to collections to collect the money and then itll issue me a check if it collects it and itll take up to 120 days. I need my close out check and since the check they sent me was fraudulently cashed Citibank needs to assume responsibility and issue me a new one while they collect from whoever it was cashed fraudulently from!!! Check # XXXX issued on XX/XX/2021.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately

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