vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

XXXX XXXX : # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I've recently pulled my credit report and noticed inaccurate accounts. I have asked the bureau several times to provided me why they are reporting inaccurate information and to remove still haven't removed incorrect 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 explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unlimited Progress Corp
State: IN

Complaint narrative:
I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it I am unaware of any outstanding medical bills that I possess I am also allowed under the Act the health insurance portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties I did not give any permission to any of my current or prior medical providers to release any of my medical information -please provide a copy of my signature with the provider of service to release my information -Cease any credit bureau reporting until the debt has been validated by me Any reporting of this so called debt to the credit bureaus prior to allowing me to validate it is a violation of the fair credit Reporting Act, Which can allow me to seek damages from a collection agency

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 2024-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
RE : Adverse Action Dear XXXX XXXX, The consumer and natural person was denied credit by NETCREDIT. The consumer/natural person DID NOT apply for credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FIRST AND FOREMOST, The Consumer did not apply for credit!!! Secondly, Adverse Action against a consumer is AGAINST THE LAW, according to the Equal Credit Opportunity Action ; which is codified in 15 U.S.C 1691 ( c ) and 15 U.S.C. 1962 ( k ). You are subject to be criminally liability for the enclosed violation. I have proof that I am being discriminated against by NetCredit by way of proof provide by Net Credit multiple responses of denial of credit.

Regardless of the reason for being denied, I assert my rights to fair access to credit. Withholding my access to my securities is a form of Securities Fraud. This action violates both the Equal credit Opportunity Act and the Consumer Credit Protection Act. Furthermore, because of my Social Security Number/ ( Credit Card ) has been used on multiple occasions and I received NO benefit on those multiple occasions. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of NetCredit under 15 U.S.C 1602 ( p ) { unauthorized use of a credit card ]. 

If NetCredit fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make NETCREDIT criminally and civilly liable for all actual ( $ 1,000.00/per violation ), Thank-you, XXXX/Agent /Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-27 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc.
State: NY

Complaint narrative:
I am to formally express my concern regarding a recent experience I had with XXXX XXXX. I was under the impression that the services provided to me would be covered by my insurance, as confirmed by XXXX XXXX, who assured me that all bills would be forwarded to my insurance provider. 

However, despite this assurance, my insurance has declined coverage for the services rendered during my extended treatment, which was initiated based on the understanding that I would not be held responsible for these charges. This situation has placed me in a difficult position, as I had relied on the commitment made by your office. 

I would appreciate your prompt attention to this matter and hope we can resolve it amicably. Please advise on how we can proceed to address the discrepancy between the information I received and the subsequent denial from my insurance. 
Then the 3rd Party company responded back with this communication : Hi XXXX XXXX XXXX, We at XXXX are reaching out to you regarding your XXXX XXXX Contract ID : XXXX. 

We have repeatedly requested payments for your overdue contract with XXXX XXXX XXXX 

We might file a lawsuit against you for the above mentioned debt, it is hopeful that a mutually accepted resolution outside of a public filed litigation can be achieved. It is in the best interest of both parties to resolve this matter as soon as possible. 

We are even ready to offer you a settlement deal with a huge discount to further close this contract and moreover we will help to remove all negative reporting from the credit reports for this contract. 

Your total balance remaining on your contract is {$2000.00}, however we are ready to settle this for {$1500.00} However, in the absence of a reply from you, We might be forced to forward this to our legal team to initiate legal proceedings against you to recover this debt and update as refusal to pay to Credit bureaus. 

Looking forward to hearing from you positively as soon as possible! 

Please reply here or contact XXXX XXXX at ( XXXX ) XXXX between XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks and Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : XXXX. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with XXXX, XXXX, and TransUnion. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
4. Credit Freeze : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent 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 2024-07-27 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: CA

Complaint narrative:
I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : XXXX. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with Equifax, XXXX, and XXXX. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
XXXX Credit Freeze : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im a victim of Identity theft and submitted documentation for account XXXX and XXXX along wIth FTC identity theft XXXX and other paperwork reports and nothong was done company experian keeps stating account is mine but has failed to verify.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Im a victim of Identity theft and submitted documentation for account XXXX and XXXX along wIth FTC identity theft XXXX and other paperwork reports and nothong was done company XXXX keeps stating account is mine but has failed to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Fraudulent Collection Account Due to Equifax Data Breach Dear Equifax, I am writing to formally dispute a collection account that is currently being reported on my credit report by XXXX XXXX XXXX. This account is not mine and I believe it to be the result of identity theft that occurred due to the well-documented data breach at Equifax. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Date Reported : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 
Identity Theft : This account was opened fraudulently using my personal information obtained through the Equifax data breach. 
To support my dispute, I have enclosed the following documentation : I request that Equifax conduct a thorough investigation of this fraudulent account and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify XXXX XXXX XXXX of the deletion of the account from my credit report. 

If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Over the last XXXX weeks I have attempted to login to my Synchrony TJMaxx Credit Card account 4 times to make a payment. I knew my payment was due and was worried about getting a late fee. Each time I tried to login I received an error that stated " We Apologize. 
We are currently experiencing technical difficulties and are unable to access your account. Please try again later, or contact customer service for assistance. '' I attempted to call their customer service line and received an error that " Our system is undergoing maintenance, please try again later ''. I had this same issue in XXXX of XXXX and I had a hard time getting the late fee waived, but a supervisor finally did. Now they are refusing to refund my late fee because their policy is XXXX late fee waiver in XXXX months, even though the late fee this time was caused by their system 's own issues. 
On XX/XX/XXXX I was finally able to get into my account. I found that I was charged a {$38.00} late fee on XX/XX/XXXX, which surprisingly is the due date of my payment. I am not sure how they are getting away with charging a late fee on the date the payment is due, or how they are charging a {$38.00} late fee when the CFPB implemented a new rule to reduce late fees to {$8.00} on XX/XX/XXXX. 
Also, I took a screenshot of the error I kept getting today, because surprisingly I got the same error again after I made my payment.

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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They did not provide a license to collect any debt in my state. 

I requested the chain of custody for the alleged debt which they failed to provide The original purchase agreement for the alleged debt which they failed to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After completing FTC, Identity theft report, and police report, chief inspector complaints. XXXX, Equifax and XXXX still have not removed the second identity causing a conflict when pulling credit on report. I have included screen shots of public record request of which is searchable showing that there are NO public records but yet there is one on my credit report. I have called capital one as well and they do not have any credit cards that are reporting collection on my credit report nor have they been reporting anything underway social security number. When I called XXXX they could not provide an explanation and refused to transfer this issue to the fraud department as a complaint for interdepartmental fraud, meaning that it is one of their employees causing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After completing FTC, Identity theft report, and police report, chief inspector complaints. Experian, XXXX and XXXX still have not removed the second identity causing a conflict when pulling credit on report. I have included screen shots of public record request of which is searchable showing that there are NO public records but yet there is XXXX on my credit report. I have called capital one as well and they do not have any credit cards that are reporting collection on my credit report nor have they been reporting anything underway social security number. When I called Experian they could not provide an explanation and refused to transfer this issue to the fraud department as a complaint for interdepartmental fraud, meaning that it is XXXX of their employees causing the issue.

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