vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit 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: SC

Complaint narrative:
XXXX, I went to the XXXX to get a XXXX XXXX XXXX, the exam and x-rays were free for first and new patients.that was done.The doctor did not do a thorough examination, an x-ray that needed to be done was not, because the machine was not working.The XXXX looked in my mouth and I was told I have XXXX XXXXXXXX, with no other explanation.I asked for my XXXX XXXX XXXX XXXX of XXXX, and was told to stop using XXXX XXXX to use brushes because i had XXXX XXXX.She said i needed XXXX XXXX, I assumed she meant the XXXX XXXX which was broken and to small to hold a XXXX or to be able to make a me a beautiful XXXX step was a consultation, to talk about a treatment plan, the cost, the services, and payment.the consultant did not discuss a treatment plan, payment or services that were available for personal payment or help with payments for services.I was told they needed to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they had to make it.I had to leave to get my grandson from school, so I asked could I come back.I did, after getting the XXXX XXXX XXXX XXXX, I returned to the consult, where I was shown models of partial XXXX and to pick whether I wanted flexible or the plastic which was less expensive, for what I thought would be temporary use.I chose the flexible, so he then shows me a paper with different payment months and asked me XXXX or XXXX, of payments, and said he could get me XXXX for credit so I wouldn't have to pay out of pocket.I had money, and XXXX but was told they didn't except XXXXThen I handed the phone to speak too a lady for permission to pull my credit because I had a lock on it for identity theft.I agreed, ,and in about XXXX, he said I was approved by carecredit for XXXXStill had not told anything about what treatment plan or the cost. Gave me an account number, and said I would receive my card in the mail. scheduled me appointment for the following week XXXX XXXX to come in and get my XXXX XXXXXXXXI got my card in XXXX, and returned for my appointment and immediately had to slide the card for payment before anything was done. after that I setup my account and tried to use the account number he had written down, and it was not recognized, when I did get the account setup I saw the charges and they did not match what I had on paper.I was not happy with the temporary XXXX XXXX and tried to email him from the information he provided on his card, and the information was not recognized.I went in to talk to him and he said the papers were not correct, those charges were not right and not to worry

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-12 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: Indie Technology DBA Found
State: CA

Complaint narrative:
On XX/XX/XXXX, my personal belongings, including my wallet and phone, were stolen from my locked car parked at my residence. Despite my efforts to secure my possessions, a theft occurred, resulting in a series of unauthorized transactions using my financial accounts linked to these items. These fraudulent activities persisted undetected until XX/XX/XXXX, as I received no alerts or notifications from my bank about the unusual transactions, leaving me unaware of the situation. It was only after my account funds had been completely depleted that I was notified via email. Upon discovering the extent of the unauthorized transactions, I filed a claim with my bank, seeking restitution for the financial losses incurred. Unfortunately, my claim was denied on the grounds of alleged irresponsibility in safeguarding my sensitive documentsa claim which I find unjust as the theft was beyond my control. In response to the theft and the subsequent denial of my claim, I filed two separate police reports to document the criminal activity and provided these reports to my bank as evidence. Despite this, my efforts were met with further denial from the bank. I am now in urgent need of recovering my money and am seeking a resolution to this distressing situation.

Found is leaving out clear details in which I fell a victim of. One of those is not only was my debit card stolen but also my back pack that had my phone in it. That phone had my found account logged into by default. Therefore. The thieves who decided to break into my car at my physical residence decided to also go on a spree of criminal acts that I am being held accountable of doing which is not true by any means. Not from me. Not from the local Police department nor my own roommate who witnessed the effect this has had on me. I need my money back. And I can't stop until you return my stolen funds, if matters are not taken care of, my next step is filing a lawsuit in small claims court against the bank itself. 

This is ridiculous and unprofessional of them to not look in to my situation more throughly and understand the amount of distress this has caused me. I will also attach my police reports and complaints I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, Account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : # XXXX ( Auto loan ) ( Personal ) and any other associated account.

Dear Sir/Madam, I, XXXX XXXX XXXX hereby declare my refusal to pay, exercising my right under US law , specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXXXXXX XXXX XXXX XXXXXXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers # XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX XXXX XXXX XXXXXXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX MO XXXX Email : 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 2024-04-12 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: MO

Complaint narrative:
XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's Summit, MO XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, Account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : # XXXX ( Auto loan ) ( XXXX ) and any other associated account. 

Dear XXXX, I, XXXX XXXX XXXX XXXX declare my refusal to pay, exercising my right under US law XXXX specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXX Bank XXXX XXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers # XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX Bank XXXX XXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
Kansas XXXX MO XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: AR

Complaint narrative:
I am writing to you for the tenth time regarding the fraudulent items that persist on my credit file. Despite multiple previous attempts to rectify this issue, the fraudulent entries remain unresolved, causing significant XXXX  and XXXX harm. 

It has been a considerable effort on my part to repeatedly provide evidence and documentation proving the fraudulent nature of these items. Despite assurances of swift action, the lack of progress in their removal is deeply concerning and reflects poorly on the integrity of your credit reporting system. 

I demand that you undertake a thorough investigation into these fraudulent entries and take all necessary steps to remove them from my credit report promptly. Additionally, I expect to be provided with a detailed explanation of the measures being implemented to prevent similar occurrences in the future. 

Furthermore, I insist on compensation for the damages incurred as a result of this ongoing issue, including any financial losses and the time and effort expended in attempting to resolve it. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Incorrect Debt Reporting by Credit Control Services Dear CFPB, I am disputing an erroneous debt claim on my credit report by XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MA XXXX ( Tel : XXXX ). The reported debt to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ( Tel : XXXX XXXX ), has been fully paid. 

According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and correction of this false reporting. Please provide proof of this debt or remove it from my credit report. 

Kindly confirm in writing once this matter is resolved. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute Regarding Inaccuracy Reporting of XXXX XXXX XXXX Account I am writing to address the ongoing inaccuracy in the reporting of the XXXX XXXX XXXX account on my credit report. Despite my previous attempts to rectify this matter, the account continues to be reported inaccurately. 

In response to my initial dispute, XXXX XXXX XXXX asserted that the account is reporting accurately. However, their response fails to address multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802. 

Firstly, according to 15 USC 6802, a financial institution must provide consumers with a notice before disclosing nonpublic personal information to a nonaffiliated third party. Additionally, the consumer must be given the opportunity to opt out of such disclosures, along with an explanation of how to exercise that option. XXXX XXXX XXXX has failed to demonstrate compliance with these requirements. 

Furthermore, XXXX XXXX XXXX has not provided evidence of how they verified the accuracy of the account, nor have they presented the required XXXX disclosure forms with my wet ink signature. As per FCRA regulations, failure to comply with these provisions warrants immediate removal of the disputed account from my credit report. 

Additionally, the account is erroneously reported as a charge-off. According to IRS Publication 4681, once an account has been charged off, it is no longer considered debt but rather gross income. Income should not be reported on a consumers credit report. Therefore, the reporting of this account as a charge-off is not only inaccurate but also misleading. 

I urge you to take swift action to investigate and rectify these violations of the FCRA. It is imperative that accurate and compliant reporting practices are upheld to ensure the integrity of consumers credit reports. I expect a prompt resolution to this matter and the immediate removal of the inaccurately reported XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX Balance : {$940.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2024-04-12 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: AR

Complaint narrative:
I am writing to you for the tenth time regarding the fraudulent items that persist on my credit file. Despite multiple previous attempts to rectify this issue, the fraudulent entries remain unresolved, causing significant XXXX  and XXXX  harm. 

It has been a considerable effort on my part to repeatedly provide evidence and documentation proving the fraudulent nature of these items. Despite assurances of swift action, the lack of progress in their removal is deeply concerning and reflects poorly on the integrity of your credit reporting system. 

I demand that you undertake a thorough investigation into these fraudulent entries and take all necessary steps to remove them from my credit report promptly. Additionally, I expect to be provided with a detailed explanation of the measures being implemented to prevent similar occurrences in the future. 

Furthermore, I insist on compensation for the damages incurred as a result of this ongoing issue, including any financial losses and the time and effort expended in attempting to resolve it. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Opened 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