vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with XXXX XXXX  on XX/XX/XXXX with a deposit of {$XXXX}. I have never received a digital nor hard copy statement since I opened the account. The account was dormant. When I tried to sign into my account on XX/XX/XXXX the account was closed. I called the main number at Regions and she said I have to contact the branch XXXX. I stopped in to see XXXX XXXX ( XXXX XXXX XXXX, GA branch ) on XX/XX/XXXX. He went in archives and printed the statement from XXXX XXXX. 
In XXXX of XXXX my account XXXX was hacked and the address was changed to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. A new debit card was ordered sometime in XXXX. On XXXX XXXX ATM withdrawals of {$XXXX} and {$XXXX} was made. On the same day, XXXX XXXX PIN purchase of {$XXXX} was made. On XXXX XXXX PIN purchase of {$XXXX was made.

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 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
my family had 2 accounts with XXXX XXXX for internet service. 
one with account number XXXX XXXX XXXX XXXX ( still currently active ) and the other one is XXXX ( deactivated ) for some reasons we found out we had internet service for XXXX, XXXX, and XX/XX/2023 on the both accounts XXXX and also on the XXXX XXXX XXXX XXXX. meaning XXXX XXXX is charging me for internet service lines at the same address, which per an XXXX  agent, 2 internet line at the same address is not possible. I paid for my internet services on the XXXX XXXX XXXX XXXX account in full for those 3 months ( and still using this account at the moment ). and i dispute the charge on the XXXX on my credit card because i was not using their service. 

XXXX sent their bill to a debt collection company. the debt collection company sent me a letter regarding the bill sometime last year ( 2023 ). I tried to dispute it and sent supporting documents. From then i didnt hear anything from them whether the bill is wrong nor they removed my bill or anything. Until last week a got a letter regarding the same bill again without any reason or information to dispute it. 

Again, i paid for those three month on my current account and i'm still using the service at the moment. and disputed the charge for those three month on the old ccount as the service was not provided or being used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
Do you know or have any idea how XXXX it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively XXXX  both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

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 2024-06-25 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: MI

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-06-25 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: FL

Complaint narrative:
I am writing to express my concern and dissatisfaction with the handling of my previous dispute regarding unauthorized hard inquiries on my credit report, initially submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), I requested an investigation which has not been resolved satisfactorily. The details of the unresolved inquiries are as follows : 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 XXXXXX/XX/XXXX Despite my previous communication, these inquiries still appear on my credit report. Their presence suggests a failure on Experian 's part to adequately investigate the dispute as mandated by the FCRA. This oversight continues to negatively impact my credit score and could be misinterpreted as negligence towards consumer rights under federal law.

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 2024-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This fraud was disputed almost 7 years ago. the company XXXX has used several different collection companies and each one verifies that this was fraud. The bank account used did not exist. I never open a account with this company. XXXX perpetuates the fraud even though they know this was not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
Do you know or have any idea how XXXX it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively XXXX  both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Despite the convincing contract, the funds were sent to a fraudulent recipient. Upon discovering this, I requested a refund from XXXX and Zelle, but neither company has been able to recover my funds or help track the individual through the accounts. They cited confidentiality of the information, even in light of the illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
-The claim that they dont have enough information gor my disputes. 

I have soent a recorded XXXX hours just on the phone with these XXXX, and have wasted so much time gettting them documents andbthe information they request that I havent been able yo work in 13 months. 
But they dont have enough of what theyve asked for. 
I have literally been in the process kf sending them what theyve asked for the next day after heing on the phone for XXXX hours in a day just teying ti find out WHAT they XXXX want.bthen while sendingbit, have gotten the declined message while they are supposedly waiting for something. 
Ive also sent hundreds of documents through their portal to then be told they dont see any of them. To THEN be told that yes they did have them months later after I was blamed for losing my own dispute. 
Ive had enough of your XXXX lying. XXXX either going to do yiur mother XXXX or youvare going to have teouble where it hurts any human. XXXX be moving to a place very close to yiyr office so i can make sure of it. 

XXXX you and this XXXX response that took you 3 months to send : Experian at its normal self right here. 
" This XXXX take up to 30 days for us to even send a response. That's because we are doing literally nothing at all, and told you these exact same words 2 months ago when we said that our response to the entire thing IS that we are still working on the nothing that we're doing. '' This is 100 % full of lies and receipt like your every day business is. You've given me resultsbofbyou 1 day long investigations that end with " we put a day towards this before, we're not putting more than a day towards ajythjng. '' You also strangely don't address the fact that you denied your own employees dispute cases. All you've done here is pasteba long piece of text about the nothing you've done as it relates to your XXXX job and that is all. XXXX you, you ruin lives qnd enjoy doing so you XXXX piece of XXXX foreigners. XXXX coming to XXXX for my revenge in person. 

You also took 3 months to send this nothing of a response. 
I have {$XXXX} mm in legal assidtance from you and another XXXX mil from discover to use in order to recover my identity after XXXX data breaches in the last tear alone.. I plan on using all of it to sue you knowing that XXXX take 3 months to senf a boilerplate pasted message. XXXX 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint continues to mail my payments back, without processing to show that I've made payments. They are an affiliate of XXXX and are fraudulently trying to take my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I notify Experian about the inaccurate balance and payment history reporting wrong on my consumer credit report. The Experian customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has been holding onto almost {$20000.00} of my money for almost a year after they closed my accounts. All they say is they are investigating. It does not take a year to investigate. I am XXXX veteran and I feel that I have been taken advantage of by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: MD

Complaint narrative:
First National Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Hi. So the company mentioned above reached out and mentioned that I owe them almost XXXX of loan that I have no information about. They said it was a web loan issued using my social security number. I never applied for any loan nor I have any knowledge about it. Upon asking them to dispute it they advised me to get into a payment agreement with them. I told them Im not paying a single penny for it as these companies issued loan to someone without even verifying anything.this is getting stressful and Im willing to provide any documentation needed to get this resolved. It has effected my credit score as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
As I was paying for my shopping at Marshalls XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the Cashier, asked ; 1 ) whether I had used my Rewards Points Card in the past two ( 2 ) years to which I said NO. 

2 ) Cashier insisted on getting me a NEW ONE for it earns me Cash Coupons after accumulating so many points. 

3 ) to that Rewards Points Card I accepted. 

4 ) once I got home, about 30 minutes later, upon reviewing my receipts, I discovered a Major Mistake, THE CASHIER HAD APPLIED FOR A REWARDS CREDIT CARD instead of Rewards Points Card. 

5 ) I promptly called the Listed phone number and a Gentleman apologized for the mistake and assured me of cancelling it WITHOUT ANY HARM to my Credit Rating. 

6 ) on XX/XX/year> I got a bizarre letter from a Synchrony Bank ( XXXXXXXX XXXXbased ) alleging you are questioning the VALIDITY of an inquiry made by Synchrony Bank. 

7 ) That is UTTERLY WRONG, for I called WITHIN 30 Minutes to CANCEL whatever was applied for me by Marshalls/TJ MAX . 

8 ) Synchrony Banks letter is absolutely FALSE, and CONTRADICTS the VERBAL assurance to REMOVE AND CANCEL the Application as a mistake by Marshalls Cashier, on XX/XX/year> 8 ) I had NO PRIOR KNOWLEDGE of any Inquiries or APPLICATIONS. 

9 ) Called Synchrony SEVERAL more times to correct Marshalls/TJ MAX mistake and always led me to believe that they understood and will correct it. 

10 ) But NO SUCH LUCK, for they are apparently more intent on SABOTAGING my Credit Rating then correcting this mistake. 

11 ) all the while I had been in contact with a Marshalls Manager ( XXXX XXXX who profusely apologized and URGED ME TO KEEP CALLING Synchrony Bank as they SHOULD UNDERSTAND THE MISTAKE MADE by Marshalls Cashier. 

12 ) Synchrony Bank, again, sent me the same letter on XX/XX/year> repeating ERRONEOUSLY AGAIN the same content contained in their XX/XX/year> letter. 

13 ) THUS, I RESPECTFULLY request that Synchrony Bank REMOVE forthwith the so-called INQUIRY of XX/XX/year> and its REMOVAL from all Credit Bureaus. 

Advance thanks.

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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been identified as a victim of Trafficking that has resulted in Debt Bondage and affects my consumer report. As a Survivor of XXXX XXXX XXXX XXXX XXXX  you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.

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 2024-06-25 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: GA

Complaint narrative:
I have been identified as a XXXX XXXX XXXX that has resulted in Debt Bondage and affects my consumer report. As a XXXX of XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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