vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
The reason for this complaint is because I received a letter in the mail from Glasser and Glasser P.L.C informing me this communication is from a debt collector and is an attempt to collect a debt. As I go through the paperwork I realize that XXXX XXXX an employee of XXXX XXXX XXXX XXXX sent my medical records to a 3rd party without my consent. Which is a violation of my rights according to the code of Virginia 32.1-127.1.03 - 3. No person to whom health records are disclosed shall redisclose or otherwise reveal the health records of an individual, beyond the purpose for which such disclosure was made, without first obtaining the individual 's specific authorization to such redisclosure. 

In the packet I received from Glasser & Glasser P.L.C a consent & financial responsibilty form was provided but not a form of authorization from XXXX XXXX. I am unaware of how many people have access to my non public personal information without my permission. I attached the documents where the law firm sent me my health record with all the information showing, then the second copy blacks out the procedure codes and the final copy blacks out everything. 

This incident made me deeply concerned about the protection of my personal health information and how it was carelessly mishandled. According to HIPPA regulations, healthcare providers are required to safeguard patients protected health information and ensure confidentiality. The incident I experienced indicates a failure to uphold these regulations, exposing my private medical information to unauthorized individuals per 42 USC 1320d-2 As a result of this breach, I have experienced stress and anxiety from my medical records being shared with people I did not grant access to, lost of trust in the entity who holds my medical records. Financial loss due to having to attend court and not able to make up time because Im a single parent and I can only leave my child at daycare for so many hours. This breach of trust has shaken my confidence in XXXX ability to protect patients privacy & confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the failure to remove fraudulent accounts from my credit report, despite confirmation of their fraudulent nature and assurances from the bank for their immediate removal. XXXX and XXXX have already rectified this error, indicating its inaccuracy. Please comply with the law and remove the following accounts promptly : 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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: CO

Complaint narrative:
I recently found out today as of XX/XX/XXXX that I had a negative hit on my credit stating that I owed money as of XX/XX/XXXX to XXXX XXXX XXXX through Aspen Debt Collection. I was never properly notified of any such debt and I was incarcerated since XX/XX/XXXX of XXXX. I have been an XXXX  with XXXX as from then until XX/XX/XXXX of XXXX. I am still a XXXX  client within XXXX ( XXXX ). Whatever the situation there was no possible way that I could have still been legally on any lease as I have not signed a contract in the nearly XXXX years that I have been XXXX. Not to mention, as I have already stated earlier, I was never even properly notified to dispute the claim. They are hurting my credit score with a fraudulent claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
My student loans were forgiven as of a letter dated XX/XX/2023, indicating this forgiveness would be effective as of XX/XX/2023. My balance on all three credit reporting agencies still indicates a full balance. I am requesting that the balance reflect a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I am trying to purchase a house for my family. I never saw my credit report before. I was told to download my credit report. When I saw my report, I was shocked to see so many fraudulent accounts and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: HI

Complaint narrative:
I was effective by the XXXX wild fires I need payment relief long term with discover and I have attempted to get help but there arent any options for fire victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I filed a complaint against Experian earlier and they responded with general reasons as to why they are refusing to block a account due to identity theft. They removed the original creditor from the the report, but refuse to remove the debt collector for that same account. They provided a few different possible reasons for that. However, I can't respond or send in " proof '' on possible vague reasons. Their reasoning is flawed, If they removed the original creditor and not the subsequent debt buyer that purchased the debt from the original creditor, then why was the original creditor removed, Please read the email they sent me. where they request information to start the investigation and in the same email tell me the request was denied.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly eliminate these inquiries as they were conducted without my knowledge or consent by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/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 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
I was approved for a payday loan from the following business : Check Into Cash, address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX on XXXX, XXXX XXXX. I've been using their payday loan service for a number of months and each time I receive a payday loan they refuse to give me the proceeds in cash. Regardless of what day our time I go to their location they tell me that they do not have the cash on hand to give me the full payday loan in cash. Instead, they offer me a XXXX XXXX XXXX  card in which they put half the amount of the payday loan on the card and then give me the half in cash despite having a sign posted that says I am entitled to receive my payday loan in cash. This leads me to believe that if I do not accept half the loan on the XXXX XXXX XXXX  card and half the loan in cash that I will not receive the payday loan. There are posters and flyers all over their office location to promote the XXXX XXXX card which is loaded with fees and has no real customer service available to help with disputes. This has gone on for 10 consecutive months and I have not received a single XXXX  in penalties from them ( Check Into Cash XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) for which to the best of my knowledge, I am also entitled for refusing to pay me in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NV

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Opened Date : XX/XX/XXXX Balance : {$13000.00} and XXXX XXXX  XXXX  XXXX Opened Date : XX/XX/XXXX Balance : {$100000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX I called Wells Fargo about the {$3800.00} interest charges on XX/XX/XXXX. I advised the reps that I was never told about deferred interest rates and all the verbiage I received was positioned as 12 months interest free intro APR. Like all other lines of credit, I expected standard intro APR terms in line with any other financial product with similar promos. Turns out, the product is deferred-interest, something I have not heard of before and never was informed of at the time of application. I have other ways to pay that off in full to avoid the interest if I had been better informed. They expressed that the interest is available on all statements, including which is true but not any less deceptive. Having a jewelry employee explain financial products to me is a problem and caused me to be deceived. I asked to work with me and waive the interest so I could pay off the other balance but Wells Fargo was unwilling to assist me. They sent an escalation form out and I am supposed to hear back in 2 business days.

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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : 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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: SC

Complaint narrative:
I was notified of a missed payment on my account due to a technical glitch in Discovery 's system. They stated the payment was returned, but the payment was only {$750.00} from an account with over $ XXXX. A week prior, a payment was made to XXXX XXXX from the same account with no issues. Within an hour of receiving notice of the payment issue, I called Discover and paid the account in full through an alternative source. 

Discover said they would delete the late payment due to their technical error and not charge any fees. 2 days after calling them, they sneakily added a {$30.00} fee for " XXXX XXXX '', despite being told there were no fees due to Discover 's system error. 

I only noticed this deception months later due to going through my XXXX transactions. Their system still classifies the payment as late on the XXXX transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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