vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
I am writing to address the recent revelation regarding a debt that I was previously unaware of. Until very recently, I had no knowledge of any outstanding debt associated with my name. It was only upon speaking with a mortgage advisor that I became aware of negative entries on my credit report. 

I want to emphasize that I have never received any communication or correspondence regarding this debt. As a responsible individual, I would expect to be notified if there were any outstanding financial obligations or issues concerning my credit history. However, I can confirm that I did not receive any such communication prior to being informed by the mortgage advisor. 

In response to this situation, I have taken immediate action by filing a police report with the XXXX XXXX. This was done in an effort to address the matter seriously and to seek assistance in understanding the origins and legitimacy of the debt in question. 

I want to make it explicitly clear that I am not aware of this debt and have no knowledge of its origins. I am disputing its existence based on my lack of awareness and the absence of any prior communication regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing considerable distress. These accounts were not authorized or endorsed by me, and it is unjust for me to be accountable for them. I implore you to promptly rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-29 00:00:00
Product: Credit card — Store credit 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: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
On the morning of XX/XX/year>, I visited a XXXX XXXX XXXX retail store. I was fitted for aligners and offered financing through Healthcare Finance Direct 's XXXX XXXX XXXX 

The agreement was that XXXX XXXX XXXX was to provide all the aligners, retainers, doctor ( Online ) supervision and a lifetime warranty. XX/XX/year>, I received an email stating that my aligners were on the way and would arrive by XX/XX/year>. 

XX/XX/XXXX came and went, and I did not receive anything. I attempted to call and email but was met with a message that stated that they have shut down operations. Next I contacted Healthcare Finance Direct and advised them that I never received my package although I did receive an email confirmation that XXXX XXXX XXXX sent a package. Healthcare Finance Direct stated that I would be responsible for payment since XXXX XXXX XXXX did send the aligners which I never received. When I heard this, I told them that even if they did send aligners, the agreement was for aligners, retainers, doctor supervision ( online ) and a lifetime warranty. Since I was not receiving any of this, I was not going to pay due to a breech in contract. ( I have included emails where they make claims that I would have doctor directed care and supervision every step of the way. ) They stated that they understood my frustration and would not be sending these types of accounts to collections. However, I recently received a " Final Notice '' to pay, and they have threated to send my account to collections. 

The fact that XXXX XXXX XXXX was still selling aligners to unsuspecting consumers and Healthcare Finance Direct 's willingness to finance them amidst a pending bankruptcy is predatory. 

I would like assistance in having Healthcare Finance Direct cease and desist from further collection efforts and to not send my account to collections and harm my credit. 

I appreciate your assistance. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-04-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

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 2024-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681, Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I discovered in XX/XX/XXXX a new PayPal Credit card account ( Synchrony Bank ) on my credit report, and it affected my XXXX XXXX and the loan rate I could get for a new car. Since then, I have been disputing that this account belongs me. It apparently was opened in XXXX and there were some cash advances, purchases and payments. The debt they are wrongly attributing to me is now about {$15000.00}. I did not open the account, nor did I benefit from it, nor did I make any payments. I only became aware of it in late XXXX. I filed a police report in XX/XX/XXXX and submitted it to Synchrony Bank ( at their suggestion ). I have called many times in the last XXXX  years and have filed multiple fraud reports with Synchrony Bank investigations department. I provided lengthy and detailed explanations of my situation -- since early XXXX and as recently as XX/XX/XXXX. I have requested a copy of the original credit application per my rights under the FCRA ( verbally on multiple phone calls, and in writing via fax in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and I have not received it from Synchrony Bank. When I call to follow-up, Synchrony Bank company representatives verified that they received my faxes and then opened up new fraud investigation reports. Without calling me or requesting more information, Synchrony sends me a letter stating they closed the investigation ( not in my favor ) and continue to send me bills. I believe there is a bank error or some kind of identity theft happening. Synchrony Bank is failing to comply with the XXXX XXXX XXXX XXXX by not sending me what they say is the credit application I submitted in XXXX. I am XXXX old and am exhausted and frustrated dealing with this! I am going to get help from an XXXX service in my city.

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 2024-04-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Good evening, I am writing to formally request validation of the debt associated with the account/case number : ( XXXX ). As per the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ), I am exercising my right to request validation of this debt. 

In accordance with the FDCPA XXXX ( a ) ( XXXX ), I kindly request that you provide the following information within 14 days of receiving this letter : XXXX. Validation of the debt amount, including any fees or interest charges. 
XXXX. Documentation proving your agency 's authority to collect this debt, including validation of ownership and assignment. 
XXXX. Proof of the original creditor and the original account agreement. 
XXXX. Comprehensive details of any previous attempts made by your agency or others to collect this debt, including dates and methods of communication. 
XXXX. Validation of my obligation to pay any debt to Midland Credit Management XXXX. 

Failure to provide the requested information within the stipulated timeframe will necessitate a request for removal of the account from my credit report, as authorized by the FDCPA XXXX ( b ). 

Furthermore, I respectfully request that all communication regarding this matter be conducted in writing, in accordance with the FDCPA XXXX ( c ), and refrain from any further phone contact. 

Your prompt attention to this matter is greatly appreciated. 
Would also appreciate it if this could be sent to all three credit bureaus as well. XXXX Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX is reporting inaccurately and in violation of several FCRA statutes including code 15 US 1601. 

Account number XXXX is reporting the following inaccuracies. 
Credit Limit Date of Last Active Date of Last Payment Last Reported Reporting Status Late Payments No Payment history on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX is reporting inaccurately and in violation of several FCRA statutes including code 15 US 1601. 

Account number XXXX is reporting the following inaccuracies. 
Credit Limit Date of Last Active Date of Last Payment Last Reported Reporting Status Late Payments No Payment history on 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a Navy Federal Credit Union ( NFCU ) customer. I am XXXX XXXX XXXX. I was offered to use a new investment service of theirs called XXXX XXXX XXXX XXXX XXXX XXXX I invested {$7500.00} in XXXX of this year. I logged in to went to check on my funds, and to my surprise I had none. No investments at all. Their customer support line is nothing but robo-advertisements. I used their live chat and got nowhere... just texted apologies. 

I contacted NFCU, they could not help as XXXX XXXX is a separate financial body. 

I need to have this rectified, but am at a loss as to what to do, or who to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief