vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
Per the FCRA as a federally protected consumer. I am now opting out of any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and

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 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
I did not authorize ANY CHARGES to the XXXX XXXX account in question. This is purely XXXX and theft by XXXX XXXX and XXXX XXXX. XXXX AND EQUIFAX DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( XXXX ) XXXXection 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 XXXX XXXX ************* ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX and XXXX XXXX several times to request written proof of this authorization, but they have failed to comply with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
I did not authorize ANY CHARGES to the XXXX XXXX account in question. This is purely fraud and theft by XXXX XXXX XXXX XXXX XXXX. EXPERION AND XXXX DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( XXXX ) XXXXection 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 XXXX XXXX ************* ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX XXXX XXXX several times to request written proof of this authorization, but they have failed to comply with this 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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
Getting calls from Dynamic Recovery from various numbers. In the beginning they called and did not answer. When I called back told them that this is the XXXX XXXX XXXX 's Attorney 's office and the person they are looking for does not work here. I have told them this XXXX times and they still call. They have called me on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Before dealing with Mountain Land Collections, I had never failed to pay a single medical bill in my life. I almost never received medical bills before hearing from Mountain Land Collections. Most of the amount was due to the failure of the bills being run through insurance, which has always been provided prior to any medical visits. Bills often went to Mountain Land Collections without me receiving a bill or having a single conversation. After that, Mountain Land Collections wouldn't rectify any of the mistakes made when bills weren't processed through insurance. They continued to threaten additional charges if I did not pay money I didnt owe. Mountain Land Collections sued me for a mere {$360.00} that I didn't owe and underhandedly obtained a default judgment against me for {$1100.00}. Their entire billing process is disorganized and unethical. They take advantage of honest and responsible people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
Someone hacked into my phone and sent themselves {$1700.00} from my cashapp to themselves and tried several times after. I stopped it by calling my bank and changing all of my passwords, and I let my bank Centennial Bank on XXXX in XXXX XXXX know. They gave me my money back and then took it out again, saying I gave them my password. I did not. I don't even know these people. That is what banks are for to help when you have been a victim of XXXX, I would like to get this fixed without getting a lawyer, but I will. I need help. I did not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/year> TU 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
Investigate wrong/delinquent parcel payments on XXXX taxes associated with loan number XXXX. 

XXXX XXXX updated our XXXX address because XXXXXXXX XXXX XXXX XXXX XXXX XXXX was not accessible for XXXX emergencies. It was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We called Citizens on XX/XX/XXXX to advise of an address change. 

Citizens has been paying the taxes on the wrong parcel #. 

The taxes on correct parcel # ( XXXX ) are delinquent. The past due penalty amount is {$3500.00}. 

Citizens should have been paying the taxes on parcel # XXXX. This is the land that the home is physically located on. 

There should be an escrow balance that is {$3300.00} that citizens should credit us. 

Citizens is responsible for fixing this issue and paying the past due penalties. 

We contacted Citizens on XX/XX/XXXX as soon as we realized Citizens was paying on the wrong parcel. They told us it would be XXXX days and they would resolve this and let us know via phone call. We never received a call. 

We contacted them on XX/XX/XXXX to find out if this was resolved, they said it was not resolved and that we would getting a call back on XX/XX/XXXX. We still haven't received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX XXXX XXXX I purchased a XXXX XXXX XXXX new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX XXXX XXXX, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX XXXX XXXX, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX XXXX XXXX I purchased a XXXX XXXX XXXX  new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX XXXX XXXX, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX XXXX XXXX, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$9600.00} XXXX XXXX XXXX {$4000.00} XXXX  XXXX  XXXX XXXX XXXX {$3600.00} XXXX - XXXX {$0.00} XXXX - XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NJ

Complaint narrative:
According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. 

XXXX / XXXX  XXXX XXXX, 2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 2024

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 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/ 2024, I was issued a refund of {$19.00}. That brought my balance up from {$300.00} to {$320.00}. Im am trying to figure out where the missing money is. XXXX doesnt seem to know or care, and the same with PayPal . There is a charge of {$160.00} on my PayPal account from when I tried to transfer money from my PayPal account to My XXXX XXXX wallet. It wasnt until after I submitted it that I realized the recipients email address was unrecognizable & had nothing to do with XXXX. I also have a charge from XXXX thats pending on my PayPal account that they are trying to take {$150.00} out! Im not happy with either company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent dispute letters to Experian on XX/XX/XXXX. That is the day XXXX accepted my tracked package. It arrived at the XXXX XXXX XXXX on XX/XX/XXXX. It was picked up/Delivered on the same day. Today is the XXXX of XXXX. Therefore it has been 51 days since XXXX accepted my package, and 48 days since it was delivered to Experian. I did not received any notification that they received it or any correspondences of the investigation being executed. I have filed a dispute previously and get notified when they receive it as well as when decisions are made. The law is clear. If they do not properly investigate my case within 30 to 45 days, they have to remove the disputed items. I have copies of the shipping label, the tracking and the information sent. I have lost all faith in Experian as they have claimed in the past to properly investigate my situation. However I do not believe they have. They have never sent the proper documentation I have requested, proving proof that the items investigated were valid.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
During an Arbitration process XXXX and Equifax violated Federal Law by disclosing my private records without my prior written consent to XXXX XXXX XXXX of XXXX XXXX located @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a violation of the privacy act of XXXX. Any authority that XXXX and Equifax thought they had is now removed and all companies should be penalized accordingly for violating Federal Law

Company response to consumer: Closed with explanation