vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXC Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: MA

Complaint narrative:
I want to dispute the debt because I think the amount is more than I owe. I currently have insurance and I never had a copayment or any medical payment around this amount before. I'm unsure what happened on the billing end but I should not be responsible for this amount due to me having health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
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. 

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 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 XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 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 2024-08-07 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: TX

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. 

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 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 XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 2024-08-07 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i requested the following information from eastern account system and the information was not forward to my place of residents. i am writing to file a formal complaint against eastern account system for their blatant failure to comply with my requests for information as mandated by the FCRA and relevant U.S. codes. Their conduct not only demonstrates a disregard for federal regulations but also infringes upon my consumer rights.

i formally requested that eastern account system provide me with detailed information regarding account number 37846600 ( 1 ) Purchase agreement of the debt ( 2 ) Insurance claim of the debt ( 3 ) The CMI with the original creditor ( 4 ) Statue of limitations and last payment on the debt Despite multiple follow-ups, they have failed to respond adequately within the time frame specified by FCRA.

Their refusal to provide the requested information is clear violations of :!. FCRA section 609 ( 15 USC 1681g which entitles consumers to full disclosure of information in their credit file upon request.

2.FCRA section611 ( 15 USC 1681i which requires to verify in 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-08-07 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:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My job let me know that someone opened an application in my name which was flagged for fraud by Chase. This impacted multiple staff members, possibly due to a health insurance data leak but we are still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have place JEFFERSON CAPITAL SYSTEM, DEBT COLLECTORS in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] g Also stated : Account/Reference No. : XXXX, SELLER : XXXX XXXX XXXX XXXX XXXX, MN. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I never lived there. They are charging an administration feee for moving but I was never a resident. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
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. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  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 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 2024-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I have been making interest only payments since about XXXX of XXXX. I have applied and been approved twice for interest-only payments and now I try to apply again and they said that I maxed out my 6 months of interest-only payments after XXXX XXXX XXXX XXXX has a job guarantee that has not been fulfilled by them even though I have been doing everything in order to find a job and the terms per the document they gave me during the time I went there was 6 months of job guarantee and could be extended up to a year. I've already been in the job guarantee after graduation for 9 months and the 12 months would basically end around XXXX. The payment started out at {$190.00} per month and now climb Credit which is being serviced by uas XXXX is asking for payments of nearly {$600.00}. I have tried asking if they can work with me to help me lower the payments until I finish the job guarantee because I have a feeling due to the terrible market that I won't find a job in what I studied at that school. I don't want my credit to go bad and I don't want to do a debt consolidation because my credit is currently very good. I want to know what my options are and hiring a lawyer is very expensive. I have emails with uas stating that I have maxed out my 6-month interest-only payments afXXXX XXXX XXXX XXXX points the finger to claim credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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 writing to formally dispute the late payment entries on my credit report related to the following accounts : Account XXXX Creditor : XX/XX/XXXX Date of Late Payment : XX/XX/year> Account XXXX Creditor : XXXXXX/XX/XXXX Date of Late Payment : XXXX Upon reviewing my credit report, I noticed that these accounts are reported with late payments that I believe to be inaccurate. 

XXXX an investigation into the accuracy of these late payment entries. 
Provide a written update on the status of the investigation and any changes made to my credit report. 
I would appreciate it if you could expedite this process, as accurate credit reporting is crucial for my financial well-being. Enclosed with this letter are copies of all relevant documents for your review. Please let me know if any additional information or documentation is required.

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 2024-08-07 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 am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account XXXX Creditor XX/XX/XXXXDate of Late Payment : XX/XX/year> Account XXXX Creditor : XXXX XX/XX/XXXX Date of Late Payment : XXXX Upon reviewing my credit report, I noticed that these accounts are reported with late payments that I believe to be inaccurate. 

XXXX an investigation into the accuracy of these late payment entries. 
Provide a written update on the status of the investigation and any changes made to my credit report. 
I would appreciate it if you could expedite this process, as accurate credit reporting is crucial for my financial well-being. Enclosed with this letter are copies of all relevant documents for your review. Please let me know if any additional information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I used Zelle on the XXXX account to transfer money of {$500.00} on XX/XX/year> to a person known well to me. His full name came up on the account which I selected. The second day I told me he did not receive the money. I contacted my bank, XXXX, and I was informed reliably that the money went to a XXXX XXXX account. XXXX sent me a letter on XX/XX/year> telling me the case was closed. The Zelle was contacted via telephone and I was redirected back to XXXX with the same response. At this point, Zelle needs to refund my money back to me. I have sent Zelle a letter about this issue. I am on a limited budget, {$500.00} is not a joke to play with. 
Zelle has been doing this sort of thing in the past and will be tried to hide under secrecy garbage. 

Thanks, for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My loan was being serviced by XXXX XXXX in Alabama and was transferred to Shellpoint. Suddenly they cancelled my reoccuring payments without any notice, then when I set this up again the payment did not go through. They claimed I put in my banks information incorrectyl despite me using that exact same information for the prior year. I used that same information to make a one time payment, which finally did go through. I set up automatic payments again thinking the issue was resolved. The payment again did not go through and this time they charged me a fee. I called about this issue and they hung up on me mid call, I called back and someone was able to look into the issue but did not provide any information other than that this hasn't happened before and they would " escalate '' to a supervisor, but wouldn't let me speak to anyone else. They directed me to call my bank, who immediately showed me that it was indeed the mortgage companies issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-08-07 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:
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$7800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 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 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