vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I received text messages from an unknow number giving me instructions to follow a link regarding a debt. As this was not a known number, I did not respond. I received a letter stating I owed XXXX XXXX back charges and equipment fees for failure to return said equipment in XX/XX/XXXX. I contacted Sunrise Credit Services by telephone in XX/XX/XXXX to verify same as the equipment was returned by my ex-husband and the bill was also paid by. In XXXX, I emailed a copy of the receipt from XXXX showing the equipment was promptly returned on XX/XX/XXXX. I called again to acknowledge receipt of same and request a revised bill showing only the back charges. The receipt of returned equipment was acknowledged and I was told a letter would be mailed to me. It was never mailed. I called again on XX/XX/XXXX to verify the charges were paid in full and equipment charges were reversed as the equipment was returned in XX/XX/XXXX. I was told the equipment charges were still pending & I should call in a week. I called again today XX/XX/XXXX and I was told equipment charges are still pending. I requested to speak with a XXXX and was told I needed to write a letter disputing the charges. I sent that letter on today 's date. My gripe is they unlawfully sent a text without my consent and failed to inform me of the debt until XX/XX/XXXX & refuse to verify all debt has been XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has Violated my rights. 

I informed them that XXXX XXXX XXXX and XXXX XXXX XXXX  were the result of Identity theft. They were Provided with FTC reports. They did not delete these accounts within 4 days as required. They after 24 days claim the debt has been validated and have provided no proof of validation. 

12 CFR 1022.3 IDENTITY THEFT means fraud committed or attempted using the identifying information of another person without authority. 

I did not give XXXX the authority to furnish this information on my report. I have no contract with XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX. 

XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX according to 12 CFR 1022.3 have committed Identity theft. 

I was not provided with any disclosure information from all three of these institutions, because they have stolen my identity. 

This is a violation of the Privacy act of 1974 and 12 CFR 1016.7 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
XXXX has Violated my rights. 

I informed them that XXXX XXXX XXXX and XXXX XXXX  XXXX  were the result of Identity theft. They were Provided with FTC reports. They did not delete these accounts within 4 days as required. They after 24 days claim the debt has been validated and have provided no proof of validation. 

12 CFR 1022.3 IDENTITY THEFT means fraud committed or attempted using the identifying information of another person without authority. 

I did not give XXXX the authority to furnish this information on my report. I have no contract with XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX. 

XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX according to 12 CFR 1022.3 have committed Identity theft. 

I was not provided with any disclosure information from all three of these institutions, because they have stolen my identity. 

This is a violation of the Privacy act of 1974 and 12 CFR 1016.7 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX a dispute was approved for {$83.00} and a letter was provided by Macys/ American express credit card. however this money was never refunded or adjusted to my account because they failed to add this credit on time. Letter states " {$83.00} dispute amount - XX/XX/XXXX We issued a credit for the above amount ( s ), as well as any associated adjustments to fees and interest charges. These will appear on your statement within XXXX billing cycles. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. '' However they never refunded this amount. I have been calling them since XXXX to get this fix ; but their customer service personnel kept me on the phone for hours without solution. On XX/XX/XXXX another Cust service Rep re-open my claim but now Macys/ American Express rejected my claim arguing that it is too late... 
Letter states " Why we're writing you... Thank you for your inquiry regarding the charge made at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$83.00}. 
Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. '' They are abusive, take advantages of customer like me because I am XXXX. I pay my bill on time and have a great 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 monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I been dealing with identity theft for XXXX XXXX up to know, i told the XXXX my situation and they freezed my credit because criminals open car loans personal loans and student loans in my name because of the exposure of my identity XXXX XXXX XXXX XXXX $ XX/XX/22 XXXX XXXXXXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Account name WSTSHMRK Account # XXXX I am submitting this complaint regarding attempts by debt collection agencies to collect a debt they claim I owe, associated with XXXX and XXXX XXXX. Despite my repeated requests for written verification of the debt, as well as letters to the credit bureaus, and requesting proof of their identity and authorization to collect this debt, the agency has failed to provide any such documentation. I have asked for this verification within the legal timeframe, as per the Fair Debt Collection Practices Act ( FDCPA ), and have yet to receive a satisfactory response. This lack of compliance has prompted me to seek intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I seek your assistance in resolving this matter under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am not liable for this debt with portfolio recover services I do not have a contract with the collection agency trying to collect and report only my credit. I have no signed documents. They did not provide documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: Synovus Bank
State: TN

Complaint narrative:
On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
I received a letter around XX/XX/year> from this law firm stating that I owe {$10000.00} for a credit card. I never received any debt validation. I responded to their letter by sending a debt validation letter, to verify debt and all info -- including original contracts from the original creditor, amounts claimed to owe, proof of calculations of what is allegedly owed, identity of original creditor, proof that this law firm is licensed to practice in my state of Kentucky, etc. I sent the letter around XX/XX/year>. I have yet to receive any sort of validation of the alleged debt, which was also not provided to me within ten days of first contact attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Permissible Purpose ). 
Unauthorized Hard Inquiry Details : XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX NXXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was locked due to suspicious transactions using the internet to acquire goods over {$700.00} dollars. 

The bank never contacted me again and allegedly had no more information to provide concerning the unauthorized transaction. 

Also, the are allowing other transactions from apple store not authorized by me, even if it is directly through the bank or any of the XXXX  virtual or physical stores. 

Financial transactions and statements are not clear and/or explain the transaction details or precedence of the transactions or payments authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief