vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health and high spirits. I am writing to formally dispute several entries on my credit report and kindly request your assistance in enforcing my legal rights as a consumer. The following accounts, listed with their respective creditors, have had a profound and detrimental impact on my life : XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX : Account number : 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 These entries on my credit report have had a devastating impact on my life. I'd like to share with you a personal story that illustrates the emotional toll this situation has taken : Several years ago, my family and I experienced unexpected financial difficulties due to a medical emergency. As a result, we struggled to make ends meet and fell behind on some of our financial obligations, including those listed above. While we worked tirelessly to resolve these issues and eventually succeeded in getting our finances back on track, the lingering effects of these accounts on my credit report continue to haunt us. 

Despite our efforts to rectify our financial situation, these accounts remain unverified, inaccurate, and unfairly represent our financial history. This has made it nearly impossible for us to secure affordable housing, obtain loans, or pursue opportunities that require a favorable credit standing. The weight of these unjustly reported accounts has caused immense stress, anxiety, and feelings of helplessness for my family and me. 

In light of the violations I believe have occurred, I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically, I request that the respective creditors remove these unverified accounts from my credit report, as they have failed to provide accurate and verifiable information. 

I understand the importance of accurate credit reporting and its impact on the financial well-being of consumers. I am committed to resolving this matter in a fair and equitable manner and am grateful for the Consumer Financial Protection Bureau 's support in ensuring that my rights as a consumer are upheld. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation related to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: Source Receivables Management LLC
State: TX

Complaint narrative:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Credit Collection Services stating I owed {$120.00} to them on behalf of XXXX XXXX. Soon thereafter, I authorized payment of {$60.00} to be removed directly from my bank account on XX/XX/XXXX and {$60.00} on XX/XX/XXXX via bank draft to be taken directly from my back account for Credit Collection Services. 
Afterwards XXXX kept sending me messages stating I needed to make the payment of {$120.00} again. Therefore, on XX/XX/XXXX i paid {$120.00} directly from my bank account via Bank Debit Card payment to XXXX from my banking account ( see attached receipts and bank statements. 
On XX/XX/XXXX i received a refund of {$120.00} from XXXX. On XX/XX/XXXX I called XXXX and asked them why they sent me a refund. After placing me on hold for about 10 minutes XXXX came back online and stated they sent me a full refund because I already made my payment in full with Credit Collection Services ; However, Credit Collections continue to share negative, inaccurate and false information on my credit report after i made all reasonable attempts to resolve the balance by paying in full. I would like to request for this false, inaccurate and negative information to be removed from my credit report. It is not okay for information to be displayed on my credit report stating i have paid XXXX dollars after i have shown evidence i have paid this account in full. 
I would like to ask What kind of games are you playing with me here XXXX and Credit Collections? I have provided all of my proof of scheduled payment to credit collection services and I have provided additional proof of payment to XXXX and proof of refund from XXXX. As of today I owe XXXX and Credit Collection Services no new debt and I would like it to be displayed on my credit report as of XX/XX/XXXX I paid my account in full and i would like the negative information to be removed completely from my credit file from all three credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: DE

Complaint narrative:
In midXXXX XXXX, I received a credit alert stating that a collection had been submitted to my credit report, which caused my credit score to drop by XXXX points. I immediately contacted the company because I feared that someone may have stolen my identity. However, the very unscrupulous service rep who answered the phone stated that I owed Illinois State {$1000.00} for some sort of overpayment. I haven't lived in Illinois for over 25 years, and I didn't owe any entity when I left and I definitely do not owe one decades later. I disputed the collection and I also filed a complaint against Harvard Collection Services on XX/XX/XXXX. On XX/XX/XXXX, the company responded, noted the dispute in their records, and had the item removed from my credit report. Allegedly, the account was on hold while they attempted to validate this fraudulent debt, but ultimately the case was closed as resolved. I never heard from them again until XX/XX/XXXX, this company filed the same collection on my credit report causing my credit score to drop XXXX points again! I am outraged that a company can operate in this manner, so I decided to file a complaint with the CFPB at this point, before contacting an attorney. This feels extremely predatory and this company should not be allowed to do this to consumers -- especially in the current economic climate that we are currently in. It is not right! I also intend to file an additional complaint with the BBB. 
Consumers beware of the unscrupulous business practices of the following company : Harvard Collection Services XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: ProCollect, Inc.
State: TX

Complaint narrative:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I disputed this charge ( {$840.00} on XX/XX/2023 ) because I have not received goods from XXXX seller. The seller scammed me by committing mail fraud and sending me an empty envelope with me having to sign for it. I reported the incident to law enforcement agencies : police, IC3 and XXXX postal inspector. I attached the copies of these reports to Amex along with my appeal letter. Later I got a strange boilerplate response from Amex saying that they " can't investigate further ''. I was a victim of deliberate fraud and they can't do anything? Isn't this one of the main purposes of credit cards, to protect me from fraud and they're saying I'm expected to just give up my money to a fraudster? I'm hoping to bring more attention to my case to prompt a review from a high-level dispute specialist instead of a time-pressured clerk who glances through cases and rubberstamps any response from the merchant as " valid ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
I checked my credit score, and I found out there are three new accounts opened with my known. I called three credit card companies ( Discover Card # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) and asked for the address & phone number. 

I figured out it was my separated husband ( he lives in California, and I live in Texas ). I reported three companies with all evidence of card expenses in Texas so they could see that I did not open and use the credit card. But it looks like they don't take it seriously, and they told me that I should probably pay all credit card expenses. I asked him to divorce, and we submitted the joint petition for summary dissolution application in XXXX. 

Please help me with what I should do. 

I will attach the documents I did not open using those three credit cards. Also, attach the joint petition for summary dissolution application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Revenue Systems, Inc.
State: NJ

Complaint narrative:
The debt collection company is collecting a debt that we are contesting the validity of, with the creditor. The creditor, a healthcare provider, is trying to collect a debt resulting from a healthcare provider 's error in ordering the medical procedure. Furthermore, the medical procedure was never performed, so there should be no charge that I owe. 

The amount of {$160.00} that the debt collection company XXXX XXXX XXXX XXXX XXXX XXXX ) is trying to collect is part of a statement from the creditor ( New Jersey XXXX XXXX XXXX XXXX. ). We filed a complaint against New Jersey XXXX XXXX XXXX XXXX. ) for XXXX charges from different dates of XX/XX/2023 and XX/XX/2023. After complaining and without explaining the reason, New Jersey XXXX XXXX transferred the charge for the date XX/XX/2023 to the debt collector company, XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a con
sumer 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 2023-09-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 the Transunion to reinvestigate these accounts : 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 XXXXXXXX. 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Never said AMEX GOLD XXXX XXXX XXXX benefit was limited to main cardholder during enrollment Failure to inform and missed credit Chat & " management '' refuse to assist and blame fault on user

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: LOBEL FINANCIAL CORPORATION
State: GA

Complaint narrative:
Lobel Financial {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: VA

Complaint narrative:
I have asked repeatedly that a closed and paid off account be removed from my credit file because it exceeds the statue of limitations for reporting. Instead that update the reporting from the date I ask for it to be removed. The account is over XXXX XXXX XXXX at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX responded saying the XXXX 's XXXX them this was an fraudulent account. They never contacted me to verify anything, but continued to take my payments until the account was paid off and sent me the title for the car. if they believe this to be a fraudulent account why not close the account but still took payments and sent me the title to the the account. XXXX has also financed me for a new loan with the same information for the previous loan that they are refusing to report. This has caused me to be denied credit and or have to pay a higher down payment with a higher interest rate. I am aking you to step in and have them report this correctly.

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 2023-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I didnt get no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, WELLS FARGO DEALER SERVICES ACCOUNT # XXXX has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A - Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account that is under an open-ended consumer plan as late for any purpose.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive disputed this account with Experian for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor XXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my Experian consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.

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