vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by Midland Management, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? 

Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

The Department Of Defense XXXX, has been sharing my account with third parties. 

Please send a detailed description to how the account was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
All the XXXX negative accounts have affected my credit due to this data breach.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I never tried to open an XXXX account but its on my report as I did in XX/XX/2023 I believe I want this off of my 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 2023-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: CA

Complaint narrative:
I had XXXX XXXXXXXX on XX/XX/2022. 
My insurance company, XXXX XXXX XXXXXXXX XXXX, communicated to me that my " ammount allowed '' and XXXX XXXX responsibility '' on the EOB is XXXX and patient responsibility is XXXX. That is fair, I pay the top dollar amount for insurance every year. 
I received a XXXX XXXX message that says my XXXX was not medically necessary. This code was changed at some point and that is why XXXXXXXX XXXX paid over XXXX to XXXX XXXX XXXX and my doctor. The issue is how the remaining {$4000.00} should be paid to XXXX XXXX XXXX. My doctor tried to contact my insurance and received no return information. I have paperwork to support this from my doctor. My doctor said that if he could have talked with the insurance doctor, they would have cleared it up. But XXXX XXXX did not respond and I have been unfairly charged {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: MO

Complaint narrative:
Consumer Financial Protection Bureau Federal Trade Commission ( FTC ) Subject : Formal Complaint Against Equifax and Employee - Reference Equifax Confirmation # XXXX Dear CFPB and FTC, I am writing to formally lodge a complaint against Equifax and one of its representatives, XXXX XXXX ( ID # XXXX ), based on a disconcerting interaction that took place on XX/XX/2023. During this conversation, XXXX XXXX informed me that Equifax does not investigate Consumer Financial Protection Bureau ( CFPB ) reports, emphasizing that only Federal Trade Commission ( FTC ) complaints are addressed. He directed me to visit Identity.gov, which raised concerns about the thoroughness of Equifax 's investigative practices. 

Details of the complaint are as follows : 1. **Employee Information : ** - Equifax Representative : XXXX XXXX ( ID # XXXX ) 2. **Incident Description : ** - XXXX XXXX stated, " Equifax does not investigate CFPB reports, so I'm wasting my time. The only complaints Equifax follows up on are FTC complaints. '' 3. **Requested Actions : ** - I demand an immediate and thorough investigation into the conduct of XXXX XXXX and the apparent discrepancy in Equifax 's investigative procedures.

4. **Accounts in Question : ** - CFPB Reports Filed on XX/XX/2023 under # XXXX - CFPB Reports Filed on XX/XX/2023 under # XXXX 1. XXXX XXXX XXXX  XXXX  XXXX - Account # XXXX 2. XXXX - Account # XXXX 3. XXXX XXXX - Account # XXXX 5. **Equifax Confirmation Numbers : ** - # XXXX - # XXXX I urgently request your intervention to ensure a fair and impartial investigation into this matter. The actions of XXXX XXXX and Equifax 's stance on CFPB reports raise serious concerns about the company 's commitment to addressing consumer complaints comprehensively. 

Please acknowledge the receipt of this formal complaint and provide details on the steps being taken to investigate and resolve the issues outlined herein. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: SC

Complaint narrative:
On XX/XX/2023 I received this message from Experian Credit Reporting " Your XXXX Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your XXXX XXXX did not so it should not impact your credit worthiness. '' They continue to drop my credit score for no apparent. Here is their reason for dropping my credit score from XXXX to XXXX. 
" Your credit score is updatedsometimes raised or loweredwhenever your credit report changes. Since your credit report is regularly updated with data from your lenders, such as your newly opened or closed accounts, its normal for your score to change. Reviewing your credit report regularly can help you understand these changes as they happen. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: CA

Complaint narrative:
In XXXX they just posted a collections account from Zions Debt Holdings for {$1800.00}. 
It says it's from XXXX for XX/XX/23. I have told them all that this account is not mine and have never had an account with XXXX. I have requested proof that this account is mine. No-one is responding and XXXX refuses to remove it from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: OH

Complaint narrative:
XXXX XXXX has a credit inquiry from me which was not authorized This shows as a hard inquiry on my credit report and I'm requesting it be removed..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AR

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. 

As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to 3 Credit BureauS. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. 

I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their persistent failure to rectify inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ). This marks my third attempt to address this issue with Experian, and I am dismayed by the company 's lack of compliance and disregard for the accuracy mandated by the FCRA. 

The inaccurate information in question pertains to my alleged residence at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I emphatically state that I have never resided at this address, and this misinformation is detrimental to my creditworthiness. Despite providing evidence and disputing this information on two prior occasions, Experian has failed to correct their records. 

The FCRA explicitly requires consumer reporting agencies, such as Experian, to maintain accurate information on consumers ' credit reports. Section 623 ( a ) ( 1 ) ( C ) outlines the obligation to promptly delete inaccurate information. Experian 's continued reporting of false information not only jeopardizes my financial standing but also constitutes a blatant violation of my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against Experian for its repeated non-compliance with the FCRA. Furthermore, I urge the Bureau to ensure that Experian rectifies this issue immediately by removing the false information from my credit report. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify Experian 's non-compliance with the FCRA. Please do not hesitate to contact me if you require any further information. 

Thank you for your prompt assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
CNAC FL XXXX is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. Also theres an inconsistent payment history reporting for this account Ive attached a screenshot. Payment history must be verifiable and accurate each month on an account. There is ND ( no data ) reporting for months XXXX, XXXX, XXXX of XXXX XX/XX/XXXX. This is inconsistent and hasnt been properly verified. How is it that this account was charged off, sold yet I have no 1099 form? Its against the FCRA to report inconsistent payment history of an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX charged me for no reason resulting in my account being closed, i would like reimbursement separately, paypal has refused to reimburse me for money that was sent to the wrong bank account ( an account that was never opened so the money was not received ) at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dispute Number : XXXX Date of Transactions : XX/XX/2023 {$500.00} Non Citi ATM XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX This has been one of the most incompetent processes that Citibank has made me jump through since last XXXX. I can not believe that it has taken me 9 months after I was the victim of crime to get to a point where today, I still had to spend 1.5 hours with 5 of the most unhelpful call center agents to try to explain that I have still not had the above transactions returned to me. I was told that the review was under investigation but it is clear that you were expecting me to forget. 

These transactions were included in my last dispute appeal that you approved but for whatever reason you didn't refund me. All of these transactions/withdrawals happened on the same night within a few hours of one another so WHY WERE YOU SELECTIVE in what you were refunding me. These cash withdrawals were not me, they were criminals as is outlined in my police report. 

I have again attached my evidence to this complaint. Please, for the love of god, fix this once and for all or I will be removing all my, my wife 's and my families assets from your toxic company.

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