vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
I received a letter in the mail dated XX/XX/2023 stating that Debt Recovery Solutions were trying to collect for XXXX XXXX XXXX XXXX XXXX XXXX. Believing this was a fraudulent letter, I did not respond as I did not recognize that medical facility. I also reviewed the medical facility who has multiple fraudulent reports similar to this. I then received another letter on XX/XX/2023 stating I owed the same amount. ( {$620.00} ) but could pay now for a discount ( {$460.00} ). Again, I believed this to be fraudulent mail. This account was opened on my credit report on XX/XX/2023 for dates of service on XX/XX/2023. I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX through an automated system to find my account or billing information to no avail. The system could not find me. I then resorted to the XXXX. I submitted a XXXX claim on XX/XX/2023. It was closed on XX/XX/2023 due to a lack of response from the company. I then submitted a dispute through XXXX on XX/XX/2023 stating that I had no knowledge of this account. It was updated on XX/XX/2023 stating Dispute information was verified as accurate. Today ( XX/XX/2023 ), I contacted XXXX XXXX. I spoke with 4 people : XXXX and XXXX ( supervisor ). Two of the individuals hung up before I could verify the names. All of these individuals looked up my information and informed me that I was not in their system. XXXX checked both the emergency medicine system and their general system and noted that I did not have an account there. Following these calls, I contacted Debt Recovery Solutions multiple times via phone attempting to speak with someone about this credit. I received no answer. I was unable to leave a voicemail. I was unable to be redirected. Given that XXXX XXXX has no record of me, I am inclined to think this is, again, fraudulent reporting. I would like for this collections report to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kahn, Dees, Donovan & Kahn, LLP
State: IN

Complaint narrative:
on XX/XX/2023 there was an XXXX Summons on the door addressed to XXXX XXXX XXXX. I have reviewed the Financial Responsibility page at the back that I have attached to this complaint and Determined that it was a forged signature with printed name incorrectly spelled wrong. 

Professional & Business Collections LLC is attempting to Sue me and did not Correctly Send me a Validation of Debt according 15 USC 1692g of the Fair Debt Collection Practices ACT I Do Not Owe This Debt and I Deny All amounts owed on this alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: NJ

Complaint narrative:
I disputed numerous accounts and a bankruptcy with XXXX  on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, XXXX, and Equifax on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and equifax. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called equifax and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed numerous accounts and a bankruptcy with XXXX on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, Experian, and XXXX on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and XXXX. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called XXXX and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible 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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank refused to cooperate to reset pin on Visa Debit Card ; Citizens Bank refuses to issue a new debit card ; Citizens Bank refuses to assist to provide new debit card pin ; Citizens Bank refuses to close my account and allow me any of my XXXX XXXX dollars and reopen the same account. I do not have a drivers license with me and my name address and Citizens Bank refuse to do anything where I can make a single purchase using Citizens Bank debit card. The customer service number at Citizens Bank refuses to help with any of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 Citi bank randomly closed and froze my bank account with over {$6000.00}, my only money. Im a single father with XXXX children, I tried to e-deposit a scholarship check and my account was frozen within 3 hours.

I called Citi-Bank and they said it would take 60-80 days to get my money.

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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: FL

Complaint narrative:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/2023, I completed two separate transactions successfully. On XX/XX/XXXX, I received two notifications within 30 minutes of each other stating that those transactions had updated, essentially doubling the amounts of this transactions. They are as follows : Merchant : XXXX Original transactions amount : {$10.00} Cash App updated amount : {$20.00} Merchant : XXXX Original transaction amount : {$430.00} Cash App updated amount : {$870.00} Total amount stolen by Cash App : {$450.00} XXXX I immediately reported my card information stolen and ordered a new card. I also did my due diligence and followed up with the merchants to ensure that I had not been charged twice by their systems. After being unable to get through to Cash App support, I went to their support page on XXXX, which acknowledged their support system was down and that transactions have been doubled. However, I am being no responses and no resolution as many others have not as well. This was part of my rent money for XXXX and I want it back. Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I sent them proof of my income and now they are saying that I underpaid by {$2900.00} in the last year and are now trying to to say I owe all of that plus my usual monthly payment on the XXXX. I did the math and there is no way I underpaid by that much. I have called Launch Servicing 3 times, and talked to 3 different people in the past day. Nobody is willing to help. I have tried to explain my situation, how I did the math and how it didn't add up, but they could care less. They are acting like they could never make a mistake and I'm crazy for saying that it is not adding up at all. They refuse to tell me where they got that number from. The only thing I have gotten any of them to say about it is why one of the people I talked to " feels '' about why I am getting charged that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: VA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding the reporting practices of XXXX XXXX, specifically pertaining to the late payments on my XXXXXXXX XXXX XXXX for the months of XXXX and XX/XX/XXXX as well as XXXXXXXX XXXX  XXXX. The Payments are still reporting late. These late payments have had a detrimental impact on my credit score and financial reputation, which I believe to be a direct violation of my rights as a consumer. 

On XX/XX/XXXX, I sent a certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reported on my credit profile. As outlined in my correspondence, these late payments are in clear violation of 15 U.S. Code 1666b - Timing of payments, which states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of the periodic statements. 

XXXX XXXX failed to adopt the necessary procedures to ensure the timely delivery of my statements. Consequently, I was unfairly burdened with the late payments in question, which were not my fault and should not have occurred. 

Additionally, I would like to bring to your attention that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. This further adds to my concern regarding the accuracy and validity of the reported late payments by XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent another certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) directly to XXXX XXXX, invoking my rights pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In this letter, I explicitly requested that my personal information not be shared with any third parties, including TransUnion and other credit reporting agencies.

I expect my privacy rights to be respected, and my personal information should not be shared without my consent. It is imperative that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act Of 1974 by ensuring the accuracy and up-to-date information within my credit report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against TransUnion for their role in the inaccurate reporting of late payments and potential violation of my privacy rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the rectification of the errors in 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
Consumer complaint received 2023-06-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-27 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: 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 : XXXXXXXX XXXX  Account number:XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX has violated my rights. Or list of inquiries 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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Inquiry Regarding Lien Status on Vehicle Dear Sir/Madam, I hope this letter finds you well. I am writing to inquire about the lien status on the vehicle, XXXX XXXXXXXX XXXX XXXX Plus XXXX # XXXX, which was previously financed through SunTrust Bank. I have been informed that SunTrust Bank and BB & T have merged to form Now Truist Bank. 

The purpose of this inquiry is to seek clarification regarding the current status of the lien on my vehicle. It has come to my attention that the debt associated with the vehicle has been written off by SunTrust Bank. A debt write-off is the accounting practice in which a financial institution recognizes a debt as uncollectible and removes it from their books as a loss. 

Given the debt write-off, I am interested in understanding the implications for the lien placed on my vehicle. In general, when a debt is written off, it typically indicates that the creditor no longer expects to recover the outstanding amount. Consequently, it raises the question of whether the lien associated with the debt remains enforceable. 

Therefore, I kindly request that you provide me with information regarding the current status of the lien. Specifically, I would like to know whether the lien is still in effect and, if not, whether it has been officially released or discharged in connection with the debt write-off. Any documentation or confirmation regarding the release or unenforceability of the lien would be greatly appreciated. 

Furthermore, I would appreciate an explanation of how the debt write-off impacts the enforceability of the lien. If the debt has been deemed uncollectible, it raises the question of whether the lien itself may be considered unenforceable or invalidated. 

Please inform me of any outstanding obligations or procedures that need to be completed to facilitate the release of the lien, if applicable. I am committed to fulfilling any necessary requirements to ensure the appropriate resolution of this matter. 

I kindly request your prompt attention to this inquiry, as it is crucial for the completion of the vehicle registration process. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your cooperation and assistance in this matter. I look forward to receiving your response and clarification on the lien status of the vehicle. 

Sincerely, 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 explanation