vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
They are trying to collect XXXX dollars from me for and XXXX  XXXX XXXX but I have a payment arrangement with XXXX XXXX and my next payment doesnt come out till the XXXX which is when I can pay it because I will have the money Im not ok with them trying to collect more money out of me even tho Im paying my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The company stated that they verified the inaccuracy with the furnisher however attached is proof from the actual furnisher stating that they have not and never verified with any credit bureau, so the response statement given in case XXXX is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have not only contacted XXXX, XXXX and XXXX concerning this inaccurate information reporting on my credit reports, but I have contacted American Credit Acceptance directly regarding this inaccurate information being furnished onto my credit reports. My car loan through American Credit Acceptance is not delinquent nor is it in repossession status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. ACCOUNT : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/2021 BALANCE ALLEGED OWED {$510.00} You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.

Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account.Furthermore, you do not have any jurisdiction or authority to report without my consent.

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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one credit card is accusing me that I have a 3rd credit card - I only had 2 - this third account is fraud. I paid the other two back in 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was notified in XXXX that a new account had been opened but I had not applied for any new loan or credit. I immediately contacted Experian to dispute and froze my credit. Experian resolved the dispute by only noting that the account was in dispute but did not remove it. I then filed an identity theft claim with the FTC then refiled the dispute with Experian. The account was then changed on my account to paid in full but remained on my credit report. It needs to be removed. It is not mine. By leaving it on my account, the identity fraud continues. What other evidence do you need than a consumer who tells you an account is not theirs, that they never applied for the account, and that the new current address that is suddenly appearing on my credit report is definitely not mine and not where I live.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit reporting agency stated that they validated with the Court System a bankruptcy on my report. Attached is an affidavit letter from the court system stating that they do not report to this agency at all, and the information provided is inaccurate. The validation is indeed false.

Name and Adress is incorrect.

I have never given authorization to release anything affiliated with my identity to any agency The court has not given any information or authorization. 
Please remove my social security number out your system completely

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit reporting agency stated that they validated with the Court System a bankruptcy on my report. Attached is an affidavit letter from the court system stating that they do not report to this agency at all, and the information provided is inaccurate. The validation is indeed false.

Name and Adress is incorrect.

I have never given authorization to release anything affiliated with my identity to any agency The court has not given any information or authorization. 
Please remove my social security number out your system completely

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/2023, i requested my free annual credit report from XXXX to obtain my Equifax credit report. It was denied and refused to be given my free annual credit report. With no explanation. Equifax has BLOCKED access to my credit report, unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Under Biden the nation has a pause on student loan payments. Other then this major fact, I have a IDR plan to pay XXXX dollars back monthly. Advantage reported late payments on my credit report and I got negatively hit. This is the second time this has happened. The first time was with XXXX and then they turned into Aidvantage. So second time under both names. This is frustrating. No one in the department should be filing anyting on any person reports. While I was on the phone with this company tli specifically asked them if the CFPB is over then and they said " no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 2023-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have checking, savings, and investment accounts with Ally. On XX/XX/2023 Ally 's fraud detection system locked my accounts. I phoned Ally on XX/XX/2023 and was able to have a representative unlock my accounts. 

On XX/XX/2023 my Ally accounts were once again locked. I phoned Ally and after several hours was able to determine that Ally 's fraud detection system relies partially on the time zone a user 's browser reports to some XXXX code. Many privacy protection features in browsers will randomize the time zone or simply always report it as XXXX, regardless of where the computer running the browser actually is. 

This code told Ally 's fraud detection system that I logged in from XXXX, although there is other data available such as IP address that would contradict this. The representative I talked to was able to see the IP address recorded for the activity that locked my accounts : it is the IP address for my cable router at my home, a well known address to Ally 's systems since I log in from home very frequently. Somehow, Ally 's fraud detection system or their operation of their fraud detection system did not take this into account. 

The representative told me that this exact problem happens very frequently, but by policy they are unable to unlock my accounts unless a fraud investigator approves it. Since it was Friday and the fraud investigator assigned to my case had already finished work for the week, I am left without access to my money until Monday  XX/XX/2023 at the earliest. 

The representative further told me that they thought ( but could not confirm ) that my accounts were unlocked the first time because a fraud investigator was immediately available, and that the accounts were locked again perhaps due to a mistake by the fraud investigation department.

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 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account number # XXXX with collect agency : XXXX XXXX XXXX states a total balance of {$470.00}. I have attempted to dispute the account with the collections agency, but they have refused to honor my dispute. In addition, I have also attempted to dispute the account with TransUnion, but unfortunately, there has been no resolution. I believe that there is inaccurate or incomplete information on this account, and I have exercised my right under the Fair Credit Reporting Act ( FCRA ) to dispute the account. 

As you may be aware, the FCRA provides that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation. Therefore, I kindly request that you investigate this matter and ensure that the collection agency provides accurate and verifiable information. I believe that this information has not been provided, and as such, I request that you take the necessary action to have the item of information removed from my credit report.

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