vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXXXXXXEquifax XXXX XXXX and/or XXXX ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request XXXX XXXX ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account name XXXXXXXX XXXX XXXX of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
There is an account on my credit profile from LVNV FUNDING with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and LVNV FUNDING would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

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 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have not received any debt validation notice from LVNV FUNDING as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that LVNV FUNDING has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
NEVER USE PAYPAL!

We purchased an electric lawnmower for {$2200.00} using PayPal. This turned out to be a fraud. We never received anything! We filed a dispute in XXXX of XXXX with PayPal. Paypal agreed it was fraud and reimbursed us. Then they billed us for the no show lawnmower again and our auto pay from our XXXX XXXX  automatically paid PayPal for the incorrect charge. We have been filing disputes and getting refunded and re- billed ever since. We have spent hours and hours trying to resolve this. We have all the documentation to prove we do not owe PayPal anything, in fact, they owe us for interest they charged and {$50.00} they neglected to reimburse us. Now Paypal has charged us twice for this and our account reads that WE owe THEM {$4500.00}!!! We are a retired couple on XXXX income. My husband is XXXX with XXXX. This grievous abuse is causing us so much stress. PLEASE PLEASE HELP US!

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 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}

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 explanation
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In accordance to the fair credit reporting act acts by XXXX is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose Nationstar Mortgage LLC XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: ID Analytics, Inc.
State: TX

Complaint narrative:
i was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # -XXXX XXXX -XXXX XXXX -XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid 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: Self Financial Inc.
State: CA

Complaint narrative:
I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$2100.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Ryman Place XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TX

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 account number XXXX, Account name - XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX Account name : XXXX Account number XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/23 my Citizens bank debit card was flagged for fraud and my transaction was declined. I attempted to call and on hold for 30 minutes and the recordings said I could perform the " Unfreeze '' online. I hung up. I was unable to unfreeze and the mobile app ( and online via computer ) noted to call the same number. I was on hold for approximately 45 minutes and actually got a person, who could not assist and coldly transferred me to a fraud line. He did not provide the number. After being on hold for well over an hour, I walked into a branch, XXXX XXXX, XXXX where the employee said he would assist. He verified my information and I hung up to only be informed he needs to call the same number, the first number, not even the fraud number and he could not assist. I had spent over 2 1/2 hours between all forms without resolution. I left the branch. I attempted to call again on XX/XX/23 and after being on hold for almost an hour, was hung up on without speaking to anyone. 
This issue is still unresolved and causing serious issues and non payments. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what XXXX stated I needed after all these steps. I need a identity theft report sent to them and Equifax credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. OnXXXX for Equifax and one for XXXX. Please and thank you. I attached both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CO

Complaint narrative:
Called company in XX/XX/XXXX to tell them I did not need their service after the end of the year as the property was being sold. Sale was to be by the end of the year but was not finalized until XX/XX/XXXX. 

Made more calls in XXXX and XXXX and several in XXXX since the company kept sending me notices of payment for XXXX. Each time I told them I didnt need their service. They kept sending me a bill and started adding past due charges. 

New owner called them and asked them to remove the propane tank and they told him they would not remove it. 

I researched the company on XXXX XXXX XXXX  and filed a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute an item on my credit report from Comenity Bank/Victoria 's Secret. The item in question is a series of late payments that were reported on my account from the summer of last year. I am requesting that this information be removed from my credit report as it is inaccurate and has negatively affected my credit. 

During the time period in question, Comenity Bank/Victoria 's Secret experienced a system outage that impacted the ability to make online payments. This outage resulted in long wait times on their customer service line and made it impossible to make payments for the months in which the late payments occurred. I was not alone in this experience, as many other customers also experienced difficulties during this time. 

After several attempts to resolve the issue, I was able to speak with a manager at Comenity Bank/Victoria 's Secret who assured me that the late fees would be waived and that they would take back the months of reported late payments on my credit report. However, I have since discovered that this has not occurred and the inaccurate information remains on my credit report. 

The inaccurate reporting has had a significant negative impact on my credit score and has made it difficult for me to obtain credit when needed. Despite having no balance on the card currently, I would like to continue using this card once this issue has been resolved. I request that this item be removed immediately from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. 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. 

These are clear violations of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2023-03-06 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: NC

Complaint narrative:
I received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # XXXX XXXXXXXX -XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : 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