vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company
State: SC

Complaint narrative:
Frost-Arnett Company , are debt collectors attempting to collect a medical debt {$640.00} ( or any variations ) on behalf XXXX XXXX XXXX XXXX XXXX I have not received any services from Frost-Arnett Company , I am not a party to their agreement XXXX XXXX XXXX XXXX XXXX I have not agreed to pay/ tender anything to Frost-Arnett Company , I have not provided any releases of my medical information to Frost-Arnett Company, and I have no idea how Frost-Arnett Company obtained my private medical information .

Frost-Arnett Company , violated my H.I.P.P.A. rights and are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to Frost-Arnett Company XXXX 
Frost-Arnett Company failed to provide the accounting in accordance with G.A.A.P. Frost-Arnett Company failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Frost-Arnett Company failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per the XXXX XXXX XXXX XXXX  Frost-Arnett Company continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
HIPAA VIOLATION. On the date of XX/XX/2021 XXXX XXXX and XXXX XXXXs illegally disclosed private health care information to XXXX or more unauthorized parties. A packet containing personal health information that is covered under HIPAA was sent via mail from Transworld Solutions Inc without written consent or signed authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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 immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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 immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Equifax credit report is a disaster ; aside from making me jump through every hoop possible to dispute inaccurate information, they do nothing with documentation I submitted which came directly from the creditor for updates. Secondly, they have the same tradeline reporting multiple times reporting different outcomes, I keep sending them my FTC Fraud affidavit, and they do nothing. The straw that broke the camel 's back was them sending me a credit report update document telling me that the 20 plus fraud requests for my credit have been removed, which of course, they have not. I am not sure how that is even legal. Equifax tells me, oops, and we made a mistake. Lastly, they arbitrarily decide when they are going to allow a dispute and when not. There is no rhythm or reason to how this company operates ; however, they are having detrimental consequences on my credit score and reputation and making life as unpleasant as possible. I have paid to monitor with this company, and still, I get no help. Please, for the love of XXXX do something because, at this rate, my only recourse is to file a lawsuit against them for damages and demand that they correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK Potentially negative Date opened0XX/XX/2015 Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2022-01-20 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:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian refuses to fix reporting on 2 auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! They have subsequently deleted the accounts from my wife 's credit report and are still refusing to delete the 2 accounts on my Experian credit report. Each time when I dispute they return a response with " Account validated and/or verified with creditor as accurate '' No Change.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
ATTN : SYNCHRONY/XXXX  PHONE XXXX XXXX On XXXX I checked my balance on my XXXX  account I saw my balance was much higher than it was because of a charge that I was not aware of {$1200.00}, so I called XXXX and they stated that yes there was that charge of {$1200.00} and someone tried to charge another {$3000.00} to my account but could not because my credit limit would not allow them to. I then talked to the XXXX XXXX XXXX. and they did cancel my card and stated they would do an investigation. So after that I checked my XXXX  account I could not get into my account for the shopping because whoever hacked my XXXX shopping account changed my password and address for mailing. I than checked my orders and saw the amount of {$1200.00} for the product and immediately canceled the order. After that I called the XXXXSynchrony Bank Fraud Dept . back and told them what I did and gave them the address that was changed on my account which was XXXX XXXX XXXX XXXX, XXXX, New York XXXX. I value my account with XXXX and want to always have a good credit rating with them. My issue is with following : 1.. I did not make these charges and want a resolution to this issue. 
2.. When I talked to your Fraud Dept. I was made to feel that I was the one in the wrong when I knew nothing of this account activity until I looked at my account activity. I feel you need to train your employees to be more empathic because I am sure this happens to a lot of people and it is not their fault. 
This is something that I did not cause and I want to make sure my credit is not affected. 
Thank you.

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 2022-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
RE : CFPB COMPLAINT # XXXX AND XXXX LoanDepot responded to both these complaints with misinformation. I was told by their employees that when I was ready to come out of forbearance to call them before the end of the month I was coming out. Since I wanted to end it at the end of XXXX 2021, U called them on XX/XX/2021 and informed them that I was going to leave forbearance at the end of the month. They decided to make the date XX/XX/2021 instead of XX/XX/2021. Some of their documents use both dates. The other issue I have is that in their response they told me underwriting never reviewed my application due to their oversight and now I will need to reapply with a new application. When I call and speak to their reps on the phone, I am told all I need are a few more documents ( bank statements and an HOA letter ). They told me I do not need a new application. Who am I to believe? It has been almost three months of inaction on their part and now this misinformation. No one knows what is going on. In their letters they say they are there to help in times of need, is this the kind of help they deliver to their customers in times of need??? I feel that their inaction and cover-ups need to be looked into. I know they are a large company but they need to do what they promised and help us through this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC Chapter 41. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me 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 2022-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MS

Complaint narrative:
They were not willing to look at my solely income to come up with a flexible payment instead they are using my co-signers income to base my monthly payment which they should only use mine. The representative was rude with me and my co-signer as well. As well as the representative told me that I only had one option. This is jeopardize my financial stability. It appears Sallie Mae is trying to set graduates from school with failure, that is how it appeared with service from representative. My monthly income is XXXX not including my daily living such as rent, car insurance and daily necessities and still is causing XXXX XXXX. The representative only said it was going to last 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Credit Control, LLC
State: FL

Complaint narrative:
XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by XXXX XXXX, XXXX. I had no prior knowledge of this alleged debt and I have never given XXXX XXXX, XXXX and other companies who are associated with them such as XXXX XXXX and Credit Control XXXX LLC  my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with XXXX XXXX XXXX No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). XXXX XXXX, XXXX is a third-party debt collector. XXXX XXXX, XXXX has furnished information on my consumer report without my knowledge and permission. I have sent XXXXXXXX XXXX XXXXXXXX and all associated parties such as XXXX XXXX, XXXX and Credit Control LLC a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.

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