vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 these changes. 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. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 these changes. 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. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ]. 

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date. 

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - 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 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
someone provably a family member had access to my personal information and someone open a cellphone acct under my name and even forced my signature. i requested validation and i notice the address use to acquire this acct was not mine. i requested deletion of this acct and the company insist the belong to me when is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The transaction was a bank to bank transfer that happened XX/XX/XXXX if XXXXI did not have that money in myaccount and I did not authorize it. I did dispute in XX/XX/XXXX 1 week total after it happened. After sending the police report of fraud and identity theft to them i did not hear anything else until i received a bill fir XXXX from the Huntington bank XX/XX/XXXX. 
I contacted XXXX XXXX to help. We have sent more paperwork in XX/XX/XXXX and still getting the run around we have been calling about every other week. Now today they said they have been disputing wrong. But it has been almost 2 years now and nothing done. Since then the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX : XX/XX/XXXX SS # : XXXX TransUnion Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiry : XXXXXXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XXXXXXXX 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect Inc has not had my written consent to publish any of my medical information. They have infringed upon my consumer right to privacy. 15 U.S. Code 1681a ( 3 ) ( a ) ( b ) and 15 U.S. Code 1681a ( 4 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America first credit union is refusing to dispute a charge for an item that was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license and my XXXX  XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. I used BofAs mobile app to lock both cards. Shortly thereafter I started getting notices of unusual activity on both my credit and debit cards. I utilized the mobile app again and reported the cards as stolen, I marked charges as unauthorized and I requested new cards to be mailedbut the cards never came and the unauthorized charges kept coming. My debit card has MULTIPLE transactions from XXXX XXXX and XXXX, there are charges out of state, and money being sent through XXXX XXXX  to individuals that I DO NOT KNOW. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I returned the items anyway AND I STILL HAVE NOT BEEN REFUNDED. I called BofA MULTIPLE times to get the matter straightened out ; I spoke with agents who were uneducated by telling me that they could see claims and that they would handle both my credit and debit card issues. However, I called back because I still hadnt received a new debit card and I was told because nothing had ever been filed. I have done research on some of the charges. What isnt overseas is excessive and fraudulent. There are transactions for illegal weight loss drugs, purchases overseas, transactions to store I dont have an account with. Transactions were made repetitively and BofA is playing the coward ; they refuse to give me back my money! They are telling me that I made these charges because transactions have my address on it when the reason for that is because THEY ALSO HAVE MY LICENSE. I have filed a police report and I had to buy a new license. BofA needs to stand behind their customers, someone has stolen over {$6000.00} and I want my money back!!

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, experian and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a notification from Experian, XXXX and XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to Experian, XXXX and XXXX to delete collection immediately or I will be suing within 30 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 explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Please DELETE ACCOUNTS BELOW IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Reported balance {$27000.00} XXXX XXXX XXXX XXXX Reported balance {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/2021 Midland Credit Management open a collection. 

{$640.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ( XXXX ), ORIGINAL CREDITOR ; XXXX XXXX  XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish am account without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I received a New Account Opening with Affirm Inc. for XXXX XXXX but I have two accounts w them ( and they require a soft pull only ), one for {$93.00} at XXXX, and one for {$100.00} at XXXX. Neither are for {$72.00}, and both accounts are paid in full. This should not only NOT appear in my credit report, but is also incorrect and might be a wrong name or other factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed the attached letter to ARstrat because XXXX improperly denied payment on a medical bill relating to my son 's birth on XX/XX/XXXX. XXXX failed to add my son to our account for over 4 months. The hospital ( XXXX XXXX XXXX in XXXX  ) agreed to resend the bill to XXXX, but instead sent it to collections. I've disputed the debt with both the original and collections creditor, but wanted to make the CFPB aware to complain directly to XXXX since their delay caused the initial failure to pay the hospital timely, resulting in inappropriate and stressful collections to me, the end user. I have a XXXX XXXX XXXX and a XXXX XXXX  career, and am writing this email at roughly XXXX XXXX at work. The military should better support its dependents.

Company response to consumer: Closed with explanation