vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I purchased a service that included custom aligners, regular check-ins with an orthodontist and a lifetime guarantee on any issues that might arise with the purchased aligners. While XXXX XXXX XXXX  no longer exists, the payments for this non-existent service has now passed to HFD. 

I heard about the company 's bankruptcy months after the bankruptcy by chance as there was no official email, phone/text or mail communication from the company. 

I contacted my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and explained the situation. They suggested I dispute the last two transactions and change my credit card to avoid further charges and assisted me with both of these. 

I reached out to HFD on XX/XX/XXXX to dispute the account on the basis that the company 's bankruptcy has resulted in the abrupt cessation of all ongoing treatments to their patients and I was told by XXXX, the HFD representative that took my call, that nothing could be done and that I was expected to continue paying. I explained that this unforeseen circumstance has left me in a position where I am still being charged for a service that is no longer being provided and so I asked to have a refund or to have my account placed on hold as was the case for many others like myself who were still in the middle of their treatment plan, until the customer support plan was approved as was communicated by official sources and but my requests were denied. I was then forwarded a contract that was different to the original contract. I have provided both as evidence below. 

I believe it is unfair to continue these charges given the circumstances, as the original agreement was based on the understanding that I would receive a complete XXXX XXXX treatment. The bankruptcy of XXXX XXXX XXXX has disrupted this agreement, leaving me without the promised service and yet still obligated to make payments. 

While a refund would be my preferred resolution, I understand that may not be immediately possible, therefore I would like to have my case reviewed and to have the company cease any further charges related to the teeth aligner treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent transunion and a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX and XXXX  XXXX account number XXXX these accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately.I want poof how they are verifying these accounts A

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 2024-04-06 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: NJ

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be deleted.

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 2024-04-06 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : DPT EDXXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

DPT EDXXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : XXXX Not correct. I have no recollection of authorizing this credit pull and I demand this to be removed. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
As I check my credit report I realized a negative accounts on there was not mine as my information was bought and sold illegally because I was a victim of the XXXX XXXX breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach .Please help me delete these illegal accounts from my credit reports ( 1 ) RC/Resurgent Receivables

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the severalStates, or with foreign nations, is declared to be illegal. This makes the reporting of the account in question inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: CA

Complaint narrative:
I informed XXXXXXXX XXXX XXXX THAT I AM A VICTIM OF IDENTITY THEFT!!! and they responded by saying that this account is verified, this is impossible, I am the only one who can verify any account on my credit report!!! This account is an unauthorized account, its a product of my identity being stolen.

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 2024-04-06 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: VA

Complaint narrative:
This letter is formal notice that you have failed to respond to my dispute letter as of today. I sent several letters to you disputing the validity of the following accounts on XX/XX/2023 XXXXXXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original request. 

Please delete this erroneous items from my credit report as soon as possible. Best Regards

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 2024-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Hello, my complaint, here is that the negative report stays on your credit report for seven years after the negotiated debt balance, which was reduced has been paid in full. I would like to suggest that would be two years maximum from the date that they negotiated balance has been paid in full.

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 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
midland credit management has been harassing me before XXXX XXXX  all day regarding an account I explained was not me. 
amount for {$710.00} and {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
This is more of a warning to others. I got this loan out of desperation at the time. I needed to have a medical procedure and I wanted to pay off some credit cards. The loan amount was for {$15000.00}. I only received {$9000.00}. The statement says my loan was for {$19000.00}. And I have to pay back {$33000.00}. Something is not adding up. It may have been explained to me at the time but thinking back, I wish I would have walked away. My monthly payment is {$580.00}. I pay {$280.00} bi-weekly. Of that {$280.00}, {$170.00} goes to interest. This just seems really fishy. And I definitely never got {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number 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 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I opened a loan with One Main Financial in XXXX  in the amount of XXXX. I believe they gave misleading information and also I believe I was tricked into signing up for option products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: DE

Complaint narrative:
I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. 

XXXX XXXX account number XXXX XXXX  account number XXXX Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. 

I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. 

I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer. 

I expect to receive a written confirmation of the removal of these reinstated fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a letter from Equifax XX/XX/XXXX ( XXXX  ) pertaining to a dispute I filed on XX/XX/XXXX. This dispute regarded several accounts that were a mix of previously and newly disputed information. With that being said, I received the results via mail XX/XX/XXXX. My results came in and there are multiple things deleted as well as showing not currently reported on my consumer report. However, this letter does not reflect on my FICO nor XXXX  score. It is going on 3 weeks since these results came in. 
There is also one particular account in the amount Of {$1700.00} that still remains on my report. It was deemed as being owned by me however, the reason that it was disputed was not for fraudulent charges or anything pertaining to the ownership of the account. This account was disputed for not having complete information on my FICO 8. The information still remains the same. It shows the amount owed, account number, and date opened. It does not show whom the debt belongs to, or any information for me to contact the collector. This is a violation of the FCRA for not displaying complete and accurate information. I had a similar account with the same dispute reason that was removed in this investigation. However, both of these accounts were being disputed for the same exact reason. This information should not have been modified but removed off my report entirely for originally being incomplete. 
I also have a charge off that was paid for less, and when disputing, the first time was not acknowledged, or notated on my credit report. In this most recent investigation, I requested that they charge off be removed due to the fact that it had been paid. Regardless of if it was paid in full or paid for less once the charge off is paid and was never notated on my report, it was a violation of the FCRA. I, the consumer, have the right to dispute any inaccurate information on my report. I disputed these items and did not receive satisfactory results. You can clearly see on the Equifax letter that was sent to me. It states we have reviewed your concerns in our conclusions are collections that have not been paid in full will remain on your credit file seven years from the date of first delinquency. However, I was told by the bank that developed my collection that the remaining amount would be forgiven, and that the status would be paid in full. This is a complete misconception all the way around and I am requesting that this information be removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX original creditor : ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent inquiries : FXXXX 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 2024-04-06 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: MS

Complaint narrative:
I sent experian a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately A

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