vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under XXXX5 USC 1681 ( a ) 3. Experian, XXXX and XXXX assumed this role without permission not only that I never did give my consent. Experian, XXXX and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Experian, XXXX and XXXX did not exercise grave responsibility, Experian, XXXX and XXXX were unfair, Experian, XXXX and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. Experian, XXXX and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed Experian, XXXX and XXXX to furnish this report and I never consented to this report in the first place.

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 2022-08-05 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: FL

Complaint narrative:
I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from Equifax dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, Equifax and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/22 I received a notice on my phone that an unauthorized person was trying to access my banking account and that it was temporarily locked. Upon reaching out to my bank to sort the matter, my bank called Ally Bank had frozen my account due to what they alleged was a fraudulent XXXX deposit of {$200.00}, from nearly 4 months ago. I don't about you, but I make online purchases and returns everyday. I do not have time to look through all my transactions with a fine comb to determine fraud. Now they have frozen my account because they alleged someone illegally sent me {$200.00} to my account through publicly used app called XXXX which I was not aware of. First off, I have no control on who sends me money especially through a public service such as XXXX. 2nd they claim they will have to freeze my account for up to 30 days. I did not do any wrong or illegal so how it is I am being penalize for something I did not do? Please make it make sense 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 2022-08-05 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I email this company and also sent copies of Police report showing identity theft. Still consumer credit has been affect in a very negative manner resulting in injuries to perse. Now I need compensation for the violation of various codes.

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 2022-08-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by Transunion, XXXX and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent XXXX XXXX XXXX request letters to all 3 bureaus certified mail which have all been received but only Transunion and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. Transunion simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by XXXX, Equifax and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent Method of Verification request letters to all 3 bureaus certified mail which have all been received but only XXXX and Equifax have responded. Equifax sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. XXXX simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been in contact with Transunion via snail mail, certified letters and also waiting on the phone for upwards to an hour every single time to speak to someone and then having it take 45 mins to an hour to speak to the representative from TransUnion. 

I have asked on several occaisions to FIX all the NAME variations of my name and REMOVE all the names from my files and leave me with my ONE AND ONLY legal name which is : XXXX XXXX. So far they have not gotten that straight. 

Also, there are 3 different social security numbers in my file which is also incorrect. I've asked them to fix this on several occaisions in writing as well as over the phone. It has so far been taking them 3 months!! to fix this issue. In the meantime my credit score is showing a XXXX for TransUnion while all the rest of my credit scores in in the High XXXX and XXXX! So my credit score continues to be terrible due to the confusion over there at Trans Union. This is affecting my ability to get any loans or any other credit qualifying accounts or insurance. 

So I'm reporting the fact that TransUnion still doesn't have my name correct, my social security correct. Correct Social Security is : XXXX. 

Also, they are reporting an account that is not mine ... XXXX XXXX  for around {$2500.00}. This account is NOT in my name and should not be reporting on my credit report. I've asked for removal of this over the last 3 months and they have STILL failed to remove it. This confusion is THEIR confusion.. NOT mine. I need you to step in and END THE CONFUSION about this account. Please thank you. So I'm requesting for this account to be removed permanently from my files. Thank You. 

Also, there are hard inquiries that I have already reported to them and have police report evidence, that these inquiries are NOT mine, I never verbally authorized it or in written form. TransUnion has already been notified of these in the past. 

The inquiries to be removed from my TransUnion account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is 7 ( seven ) inquiries that need to be removed from my account. 

Please let me know when this happens. 

I'm tired of telling them the same thing over and over. 

Thank you for your help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I already talked to XXXX  emergency services regarding rhis matter. They are trying to collect my medical bills through my old insurance i use 5 years ago. I told them i already have a new insurance and gave my insuramce information and they told me they will fix it. But i checked my current if they claim it but they have not fix it. Then i recieved a letter from a debt collector. So it is between XXXX  and my insurance. Coz they promise they will call my current insurance but they didnt! And fyi its hard to get a hold of them. And fyi i have my conversation with them. I screenshot it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On this date I received a {$400.00} Cash payment from a friend to my Paypal Account. 

They were charged a fee to send it to me, and then I was told I would have a fee to pull it out. And so I agreed to all of that- which put me at {$370.00}, and I said yes. 

All afternoon the transfer of the CASH to my bank account was DECLINED. I have called them more than 4 times, and I am put on hold or disconnected, and they REFUSE TO HAVE SOMEONE CALL ME OR DISCUSS ANY OF THIS WITH ME, AND I AM NOW LATE PAYING SOME BILLS THAT WERE DUE TODAY BECAUSE THEY ARE HOLDING MY CASH. 

ISN'T IT ILLEGAL TO HAVE ZERO CUSTOMER SERVICE AND HOLD MY CASH FROM ME??? I AM LIVID UPSET!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have received over 20 calls in the last week. They call before XXXX. I've spoken with two representatives and let them know my husband and I are in the process of filing bankruptcy and that we are receiving over 5 calls a day, sometimes back to back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: Nelnet, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary.

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer.

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution.

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title.

( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the Federal Agricultural Mortgage Corporation or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ].

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
CONVERGENT OUTSOURCING, INC IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS HURTING MY CREDIT REPORT AND SCORE. 
XXXX ACCOUNT IS NOT MINE.

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 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
On XX/XX/2022 I received a letter from Paragon Revenue Group attempting to validate a debt they claim I owe. This letter included document of my medical records that I did not authorize for them to access. I did not sign any HIPPA form allowing this collection agency access to any of my medical records. This is a direct violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: GA

Complaint narrative:
You all are reporting an account on my credit report that belongs to a minor whom I am not the legal guardian of, and I did not sign paperwork on the date of service as the legal guardian. I am requesting you all to delete the collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) as I am not responsible for this collection account, and it does not belong to me. Once the inaccurate account is deleted, please send me a copy of my credit report reflecting the changes. 


I called the company and spoke with a very rude lady who told me since I am responsible for the minor the account is going to stay on my report. I advised her 5 different times that I was not the legal guardian and that I wanted to see a contract that was signed by me to understand why I was being held responsible and she rudely disconnected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2022-08-05 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I email this company and also sent copies of Police report showing identity theft. Still consumer credit has been affect in a very negative manner resulting in injuries to perse. Now I need compensation for the violation of various codes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation