vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: NC

Complaint narrative:
XXXX XXXX  opened this account during a purchase I made with XXXX for a phone near XX/XX/year>. 
I received no notice that the account was opened, I was given no account number, no due date no remit address not email, regular mail text or call about the account when it was due or how to pay it or where to send it. They made NO ATTEMPT to call me untill XXXX of 2024 when they already sent account to collections. 

How am I suppose to pay the account when I don't have anything that resembles a statement. XXXX phones has since dropped XXXX XXXX  as a credit vendor because of their issues. I tried to go through the internal dispute process with XXXX XXXX and they stated they would let me know of their decision within 30 days which they NEVER contacted me 30 days after my dispute by any means, just like they did when the account was opened. 

I have opened disputes also with XXXX, Experian and 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 2024-09-11 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXXXXXX method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued XXXX XXXX for XXXX XXXX and Monetary Judgement XXXX, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching XXXX XXXX XXXX XXXX Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX Bank Delaware with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my XXXX XXXX. 

I request Barclays Bank Delaware dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

Barclays Bank Delaware previously made the statements in their initial responses that " You transferred a charge to this account " which is a false statement. The 3rd party financial assistance company made this transfer. The company XXXX XXXX was shut down by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX of XXXX I received a settlement check for approximately {$4500.00} which is nowhere near the amount I was charged. I'm requesting Barclays Bank Delaware to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the change to every credit reporting agency.

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 2024-09-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-11 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: TX

Complaint narrative:
I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Transunion has investigated the account XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/year>, asking for verification of method of investigation. Transunion has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,

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 2024-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PatientFi, Inc.
State: TX

Complaint narrative:
Good morning, I couldn't find XXXX XXXX in the company dropdown, so I will have no choice but to file it under PatientFi. 

In XXXX, I inquired about getting XXXX XXXX  and received a consultation over the phone with XXXX of XXXX XXXX XXXX representative 's XXXX. She sold me a loan for XXXX removal through patientfi. Due to my busy lifestyle, I was unable to keep my appointment on XX/XX/XXXX and later told the representative to please refund my loan as I was no longer able to meet this obligation. The representative responded to my message by saying that the loan could not be cancelled, in what world is it okay to not refund someone for a service they've never received? There's myriads of stories like mine on XXXX speaking on XXXX XXXX XXXX deceptive business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello! I was referred to you by the XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, who said that they were not " the correct service to handle my concerns. '' this was a report sent to XXXX, but I'll give this a shot : I was called about receiving a loan from XXXX XXXX. 

Website : XXXX XXXX XXXX ( the email in the contact info is unusable ) While there is a legitimate service called XXXX XXXX, which is now XXXX XXXX XXXX XXXX XXXX XXXX, I must've been contacted by the wrong service. 

I did not agree to approve the loan as I was still considering the choices, but during the " verification process '', large sums were deposited to my bank The agent has been calling me nonstop to return the deposits by going to the bank, taking out XXXX of bucks, getting gift cards, going to the ATM, transfer funds from XXXX Codes, etc. As a result, I went over my bank transaction limit and my XXXX account has been suspended. As of XX/XX/XXXX, my bank is frozen, placed in the negative after reversing the deposits, and my bank sent me mail regarding the deposits, confirming to be fictitious checks. I was also sent a text threat. I did contact FBI and the gift card services. 

So far, I have been unable to progress on my balance, but I did get a new account as I only receive funds from employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-11 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: AZ

Complaint narrative:
I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : XXXX, XXXX, and Experian. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt.

Despite providing this comprehensive information, XXXX, XXXX, and Experian have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by XXXX, XXXX, and Experian is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.

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 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: IL

Complaint narrative:
I received a email stating that they can do once a month payment of XXXX. I called XX/XX/year> to make a payment arrangement of XXXX dollars a week and was told they can not do that. They could only do XXXX and change a week. Which makes no sense because XXXX dollars a week is over the XXXX time amount they originally wanted. I also didnt receive anything in email about the payments I set up yesterday around XXXX. Tho I did receive another email at XXXX stating they have a acct with me and wanting to work with me. I just feel like there practices are deceptive.

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 2024-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Waiting for a credit refund of {$750.00} since XX/XX/year>. Not confident that Synchrony plans to actually send it.

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 2024-09-11 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This account is NOT mine, I also inform you and show evidence that XXXX deleted this account because it is not mine proof on attach

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-11 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: NV

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 response to consumer: Closed with explanation