vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. Account XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Illinois medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
i wrote to XXXX, Experian, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

Accounts : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022

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 2023-08-21 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: TX

Complaint narrative:
Requesting that collection companies provide debt validation letter for this debt. This would not involve verifying the questions debt but legal right to collect said debt if accurately reported. So, please provide copy of DEBT VALIDATION LETTER for the following account : Account name : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-21 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: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Kovo
State: KS

Complaint narrative:
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. Law 15 usc 1681. Its a defamation of my character & livelihood an I am trying to buy a house

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 2023-08-21 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 explanation
Consumer complaint received 2023-08-21 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: MI

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 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX started making HARD CREDIT INQUIRIES with Transunion. Since them they have made 6 HARD CREDIT INQUIRIES. 5 of inquires have been removed within a week. 
XXXX XXXX XXXX XXXX Hard Credit Inquires / XXXX XXXX XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX The HARD CREDIT INQUIRIES WHERE NOT AUTHORIZED! I have a credit freeze on all three credit bureaus for years, and have not applied for any new credit since at least 2017. Yet each month since XX/XX/XXXX XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES. 
On XXXX I contacted the XXXX  and was informed there have numerous complaints 2nd XXXX XXXX XXXX for the same issue. XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was terminated on XX/XX/23 from my employer. It's been XXXX weeks and they have not provided me with a separation letter ( I need for unemployment ) and they have not updated The Work Number ( Equifax XXXX XXXX ). This is messing with my livelihood and health benefits. Equifax said they investigated but if they spoke with HR, HR would have told them, I'm not employed and they are trying to update the system. 

I've included an email from XXXX explaining my termination will be processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings : EXPERIAN FAILURE TO PROVIDE A COPY OF MY CREDIT REPORT TO ME REF : CERTIFIED MAIL # : XXXX OF XX/XX/2023 PART I : WHAT HAPPENED XXXX. Reference page XXXX of this letter : ( a ) On XX/XX/2023 ; XXXX XXXX denied me XXXX XXXX XXXX XXXX XXXX XXXX. 
( b ) XXXX XXXX said that it obtained my FICO score of XXXX from Experian on XX/XX/2023. 
( c ) American Experian that it used my FICO score from Experian to make its credit decision to deny me for the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. 

XXXX. Reference page 3 of this letter : ( a ) On XX/XX/2023 ; I requested for a free copy of my current Credit Report with XXXX score from Experian ; reference : CERTIFIED MAIL # : XXXX OF XX/XX/2023. 
( b ) On XX/XX/2023 ; my certified mail was delivered by XXXX to Experian on XX/XX/2023 ; at XXXX ( Texas XXXX XXXX. 

XXXX. As at today, XX/XX/2023 ; Experian had refused to release a copy of my credit report to me.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing in regards to several fraudulent purchases made on my Regions debit account on XXXX the XXXX, 2023. Regions contacted me via text at XXXXXX/XX/XXXX Thursday, XXXX the XXXX, 2023. I have made copies regarding the text and e-mails they sent me. They stated to visit the local branch on Friday morning, XXXX the XXXX, 2023. We were on the phone for approx. 1 hour and 20 minutes with a representative named XXXX XXXX. He verified my account and I identified him calling from XXXX Regions. The he claimed the fraudulent purchases from XXXX and XXXXXX/XX/XXXX were removed. However, he stated that he had to make another purchase on my account to set up fraud protection policy. He informed me to hit the yes key to make a purchase from XXXX! He stated he had to reset the fraud issue. On Friday I visited the Regions Bank at XXXX XX/XX/XXXXXX/XX/XXXX TX, XXXX. I spoke with XXXX XXXX for approx 40 minutes. I discussed this issue with her and she agreed that XXXX was a legitimate employee. She took all of the information and made a fraud claim and informed me not to worry, that i should get my funds within a week. She stated it was procedure to make another purchase to see if everything was working properly, the phone number was from XXXX Regions, and they need personal information over the telephone to verify my identification. I realize this, nevertheless it contradicts there policy of Regions employees not asking for ant personal info over the telephone. XXXX agreed the policy contradictory to the telephone conversations. On XXXX the XXXX, 2023 I called the XXXX XXXX XXXX. XXXX was informed the investigation department was not going to refund my funds for the fraudulent purchases at XXXX for a total amount of {$510.00}. I have NEVER purchased anything from XXXX XXXX 's in 65 years and I have not been to Florida in 4 years. These purchases were fraudulent and I can not believe Regions is blaming me for these purchases! There investigation should consist of but not limited to, e-mails, texts, recorded phone calls, and any video footage they may have. They have been extremely unprofessional and uncaring about the entire situation. Your cooperation is deeply appreciated and you are welcome to contact me anytime XXXX! My E-mail is 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 2023-08-22 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This is reporting on my XXXX Credence resource Account status collection Date opened XX/XX/XXXX  Past due {$320.00} I have reached out to the company to inform them that this transaction was a fraudulent transaction and I would like them to investigate and send me any forms with my signature on it. 

This is reporting on my XXXX account Credence resource Account status collection Date opened XX/XX/XXXX  Past due XXXX This is the same charge that I reported for fraud. 
Also under the ( Fair credit reporting Act 15 U.S.C. 1681 and follow ) creditors or collectors are not allowed to report inaccurate information to your credit reports. I would like these accounts removed and deleted from my credit reports immediately or I will be pursuing actions under this law. 

THIS IS AN INQUIRY THAT I DID NOT APPLY FOR. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FlexShopper, Inc
State: KS

Complaint narrative:
You had an account with FlexShopper with account number XXXX. 
As of XX/XX/2023, you owed. {$660.00} Between XX/XX/2023 and today :. 
You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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:
After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on my 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 explanation
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/23 i mailed a dispute to experian about some collections accounts that i have no knowledge of and requested a investigation. It has been a little over a month now and have yet to get any knowledge or information about my request.

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 2023-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
My brother attempted to send me {$400.00} via CashApp on XX/XX/2023. He sent the money to an obsolete account that I no longer have access to. Despite several attempts, CashApp refuses to either transfer the money to my current account, or refund it to my brother- the original sender. I have provided CashApp with ample information to verify my identity, but they are also asking for my old phone numbers and debit card numbers that I no longer remember. I'm XXXX and my memory isn't what it used to be. When I replace a debit card, I destroy the old one. To me, keeping money that doesn't belong to you constitutes theft, over the internet wire fraud, and since my brother and I are both older than XXXX, XXXX fraud. CashApp 's case number is XXXX and the XXXX XXXX is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Disputed an item on my credit XXXX removed it. XXXX and XXXX did not, and when i sent a letter on why it wasnt removed they added it back on to my transunion. if it was removed all three should of removed it not add it back.

Company response to consumer: Closed with explanation