vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: WI

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
On XX/XX/2023 at XXXX I attempted to withdraw {$20.00} ( plus XXXX fee ) from an XXXX operated ATM at XXXX XXXX in RI. I received a card not authorized error. No money was dispensed. I checked my current account and noticed the transaction was processed and my account debuted. I contacted XXXX who stated that no money was dispensed because current declined the transaction. I contacted current who stated I needed to file a dispute. I did so that night. No provisional credit was issued. I was told I would. I checked back in with current tonight who said dispute had been investigated, which included contacting atm vendor, and it was closednot in my favor. I contacted XXXX again who verified transaction was declined and that they were never contacted by current. Im also asking that all out of network fees be reimbursed for this transaction and any other. This is my second complaint regarding dispute issues with this institution. Previously they had not resolved a dispute within 90 days. CFPB assisted XXXX resolving my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2023-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I did not authorize Automated Collections who is a debt collector access to my private medical information that is protected by HIPPA laws. According to Consumer law code USC 1681b, A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report. Automated Collections is in direct violation of my consumer rights. Also, Automated Collections previously paid the debt owed on my behalf on XX/XX/XXXX  according to my consumer report. This debt was previously removed and this FRAUDULENT company added it back to my consumer report. I am demanding this debt to be permanently removed from XXXX XXXX, XXXX, XXXX, and XXXX reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the date last active which is a violation of the FCRA. All data furnished should be consistent and accurately reporting. There should not be XXXX different dates reporting to both XXXX and Transunion. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2022 so I am confused as to why this information is being furnished to XXXX and Transunion. I am enclosing a copy of my credit report. Please remove this account from my credit report 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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
No knowledge of a XXXX XXXX secondary company. XX/XX/XXXX No knowledge of credit bureau associated XX/XX/XXXX No knowledge of 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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I RECEIVED A OFFER FROM UNITED AIRLINES TO GET A CREDIT CARD FROM CHASE BANK JP MORGAN, MY ACCOUNT WAS BLOCKED AND MY CARD WAS CANCELLED! MY PAYMENTS WERE CURRENT AND NEVER LATE! THEY LOOKED ALL THE INFORMATION OF MY ACCOUNT SO I HAD NO ACCESS WHAT SO EVER TO MY ACCOUNT DATA! I CALL THE BANK SEVERAL TIMES AND THEY KEEP ME SWITCHING FOR DEPARTMENT TO DEPARTMENT AND NO ONE UNLOCKED MY ACCOUNT! THEY ARE VERY RUDE TO A POINT THAT I FELT FINANCIALLY ABUSED BY THIS BANK!!! I AM XXXX XXXX XXXX AND NEVER GONE THROUGH SOMETHING LIKE THAT! THE FINANCIAL INSTITUTION IS CHASE BANK JP MORGAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-22 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: TX

Complaint narrative:
These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-22 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2023-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 I called and spoke with a rep to get a deferment. The first rep told me that it was granted and that I wouldn't have to make a payment until XXXX. Then I got a call from their automated system. I returned the call, and the second rep stated that the deferment was done incorrectly and that she was going to fix it and that my payment wouldn't be due until XXXX. My original payment due date was the XXXX. I spoke to the rep on the XXXX or XXXX of XXXX Then I get a call a day or two later from the automated system stating that I am past due on my loan. I called and spoke to a manager XXXX XXXX XXXX  and she stated that she could see hat I was given the incorrect information and that my loan is past due. She said she could not do anything to fix it and that I would have to make the full payment before the 30 days or my credit could be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
I sent XXXX friends in XXXX ( hurricane victims who lost food shelter ) {$300.00} and {$200.00} on XX/XX/XXXX through Skrill. I funded the Skrill Account then sent the money. The first transaction went through {$300.00} but the next one {$200.00} failed and my account was restricted and neither recipient received the money. I called and emailed Skrill and received no help. Skrill is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are all consumer reporting agencies and I am the Consumer. 

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX XXXX - XX/XX/XXXX ( {$2600.00} )

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 2023-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I enrolled in a payment program offered by Capital One to bring my Platinum card current after a period of economic hardship. Capital One informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, Capital One scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on Capital One 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from Capital One. The charge-off remained on my account. I tried to call Capital One several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. Capital One responded by saying they'd resolved the issue and that the charge-off was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
NCA XXXX National Credit Adjusters ) has once again, placed a debt that is not mine on my credit reports in collection status. I didn't open an account with XXXX XXXX  in XX/XX/2023 as NCA as reported on my credit reports. The debt with XXXX XXXX appeared on my credit report more than XXXX  years ago and it was disputed and removed. NCA hasn't provided me any proof as I've requested numerous times, but they've listed it on my collection report with a date on XX/XX/2023. This company is operating illegally in its reporting tactics of the consumers fair credit act. It is in numerous violation of the FCRA. This is my second time reporting their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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