vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Possible Financial Inc
State: CA

Complaint narrative:
I took out a micro loan with Possible Finance in the amount of {$250.00}. I set up autopay to withdraw payment every two weeks, however the backend stopped withdrawing money from my checking account and I was hit with a 60 days late payment because of it. I emailed the company to let them know of the issue and my urgency in making the timely payment, however, I never got a response until two weeks later. At that point it was already reported late. Please resolve this and remove these late payments that are NOT my fault.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit

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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I signed up for CareCredit through Synchrony Bank on the advice of my XXXX at XXXX XXXX to obtain XXXX. After signing up I paid diligently until the principal was paid. Suddenly I received a bill for XXXX more dollars for not paying the added " payment insurance '' that I supposedly signed up for. I do not require payment insurance and would not have chosen this option. Nor did CareCredit alert me that I was not making payments on a very high interest rate additional fee for insurance. Right as we were ready to close the account because we had paid, we received the additional billing information. When I called CareCredit a man offered to close the account for XXXX. I disputed paying CareCredit XXXX, a randomly made up number. When I said I was not willing to do that, the man laughed and said " it is not that much money. '' The conversation was so strange, and it has become clear that I have been misled, and a victim of deceptive credit card enrollment tactics and that CareCredit is a criminal enterprise.

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 2024-02-15 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: OH

Complaint narrative:
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized 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 2024-02-16 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: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: NORTHWEST BANCSHARES INC

Complaint narrative:
We transferred money from XXXX using XXXX to an account with Northwest bank that was fraudulent. The fraudsters impersonated one of our largest suppliers XXXX XXXX and used an email to advise us the company had changed banks and account details. 
We sent three transfers to this false Northwest account number XXXX, with recipient name XXXX XXXX listed on each transfer. We know that the bank receipted the funds even though the recipients name was totally different. This knowledge came about after I contacted XXXX XXXX and made them aware of what had occurred after we identified the fraud ourselves. XXXX XXXX president, XXXX XXXX made contact with the Northwest bank to establish if an account had been made in their name fraudulently. The bank advised him that one had not and that the account number we had used had a totally different owner name. 
Here are the transfer amounts and dates the transfers were made : 1. XXXX XX/XX/XXXX for {$40000.00} USD 2. XXXX XX/XX/XXXX for {$45000.00} USD 3. XXXX XX/XX/XXXX for {$50000.00} USD I made a phone call to Northwest bank early in XXXX and spoke to a manager and filed a complaint and outlined the above and the bank has failed to respond. On XX/XX/XXXX we sent an email to XXXX which is the Northwest banks contact and no acknowledgment has been received of them either receiving or investigating the matter. 
We have of course made contact with XXXX both to their branch here in XXXX and in the USA and they have made contact with the bank and a small amount of the transfer has been returned to us of {$16000.00} USD. 
I am aware that the USA government has regulations that cover financial institutions so that money laundering and financial crime are not easy to achieve. Given this, I would consider that receiving moneys into an account with a totally different recipient name to the account number as the Northwest bank has done surely goes against what should be one of the most simple and obvious methods of stopping fraud and other financial crime

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 2024-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX : couldnt access Citibank accelerated savings info. It had just disappeared from my online accounts list. 
XXXX  : spent hours in the automated system trying to connect to a representative without having access to my account number. Rep said that it was flagged for fraud. 
XXXX : access to all of my Citibank online accounts is restricted. Cant see my credit card now either. Have not received any emails, texts or usps mail about any of the accounts. Spent hours again trying to get an actual human representative. Got transferred between departments and hung up on. Finally got someone that could tell me fraud resolved their case and has chosen to close my savings account. I may or may not receive a check for any money that belongs to me ( {$6500.00} from tax return has been transferred to there from my external checking ). Supposedly I still have access to my credit card. Credit card dept says I need to clear up my Savings issue first.

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 2024-02-15 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: IL

Complaint narrative:
According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.

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 2024-02-16 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 am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2024-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inquire about the status of my ongoing dispute concerning a negative item that is solely reported by Experian on my credit file. Despite previous correspondence, the issue remains unresolved, and I am growing increasingly concerned about its impact on my credit profile.

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 2024-02-15 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: MD

Complaint narrative:
There was a fradulent inquiry placed on my credit by XXXX XXXX as a duplicate on XX/XX/2022. i never authorized these inquiries.

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 2024-02-15 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: EQUIFAX, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which ante
dates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MD

Complaint narrative:
XXXX has reported a false inquiry on my creit report on XX/XX/2022.

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 2024-02-16 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: MI

Complaint narrative:
Unauthorized and fraudulent inquiries from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX and XX/XX/2024, I reviewed my credit report and observed that there were new hard inquiries to my credit report that I did not authorize. I have contacted the institutions and they have XXXX  information associated with the accounts or information provided. I have called Equifax and they have not helped remove the hard inquiries mentioned below. I demand this to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MD

Complaint narrative:
XXXXXX/XX/XXXXdid a false inquiry on my credit report on XX/XX/2022.

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 2024-02-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I am submitting this complaint on my own behalf to rectify an issue related to inaccurate personal information on my credit record. The provided information is not associated with me, and I urgently request the removal of this fraudulent data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: NC

Complaint narrative:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( XXXX, XXXX, and Transunion ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX  and XXXX XXXX XXXX, I have no knowledge of these creditors

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 2024-02-15 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: NC

Complaint narrative:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( XXXX, Equifax, and XXXX ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX and XXXX XXXX XXXX, I have no knowledge of these creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
1-I AM GOING TO MAKE A CLAIM WITH THE INVESTIGATION DEPARTMENT WITH THIS FRAUDULENT COMPANY MIDLAND CREDIT MANAGEMENT ( CLAIM TO FBI ) 2-I NEVER HAD BUSINESS WITH THESE TWO COMPANIES, XXXX AND MIDLAND CREDIT XXXX DOCUMENTS FRAUDULENTS.

3- THE FBI IS INVESTIGATING THIS COMPANY 'S COLLECTION FOR FRAUD IN MANY CASES, MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered a collection account on my report allegedly associated with MEDICAL DATA SYSTEMS INC, which they claim to have acquired from XXXX XXXX. 

Firstly, let me express my appreciation for the critical role your agency plays in maintaining the accuracy of consumer credit reports. I understand the complexity of the task at hand and commend your efforts in navigating the intricate landscape of credit reporting. 

Now, let 's dive into the heart of the matter. It has come to my attention that there exists a collection account on my report with MEDICAL DATA SYSTEMS INC. I must vehemently assert that I have never entered into any contractual agreement with MEDICAL DATA SYSTEMS INC, and to the best of my knowledge, no such relationship has ever existed. 

This raises a flag concerning the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), which requires a debt collector to provide validation of the debt and the existence of any agreement. As of now, no such validation has been presented, highlighting a potential violation of the FDCPA.

In addition, I'd like to draw your attention to the relevant legal provisions : Truth in Lending Act ( TILA ) - Section 1026.18 : The alleged debt 's creation and transfer without my knowledge may contravene TILA, which mandates transparent disclosure of credit terms.

Fair Credit Reporting Act ( FCRA ) - Section 1681s-2 ( b ) : The inclusion of inaccurate information on my credit report could be a violation of FCRA, emphasizing the need for accurate reporting.

Fair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) : As previously mentioned, the absence of a contractual relationship raises concerns under FDCPA.

Uniform Commercial Code ( UCC ) - Section 3-406 : Unauthorized transactions, as suggested by the absence of a valid contract, may be subject to UCC provisions XXXX 

In light of these legal considerations, I kindly request a comprehensive investigation into this matter. Furthermore, I urge the removal of the fraudulent collection account from my credit report, as it stands in stark contradiction to the legal and ethical standards set forth by the aforementioned Acts. 

I appreciate your attention to this dispute and look forward to a prompt resolution. Your commitment to fairness and accuracy in credit reporting is crucial, and I am confident that your thorough investigation will rectify this discrepancy. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation