vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 2 ) XXXX XXXX- Inquired on XX/XX/XXXX 3 ) XXXX XXXX- Inquired on XX/XX/XXXX 4 ) XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXX 5 ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, 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
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
The company Alliance Collection has attempted to collect a XXXX debt from me, that is not mines! I would NEVER consent to any outside company access to any of my personal medical information, without my authorization. This company has sent me copies of medical statements and procedures, trying to validate a debt without a signed release form. The HIPPA Privacy Rule clearly states this as a violation of my rights. 

As of today, XXXX I have sent over more than 6 certified letters to Alliance, requesting written validation and a XXXX release form. On top of that, today at XXXX Alliance had the audacity to actually call my phone, attempting to collect. Thus again ignoring my request for written replies only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Macys Department store 's XXXX Department failed to issue a refund due to customer for a duplicate order made in error by their ordering department back on XX/XX/XXXX. The duplicate order consisted of 6 XXXX chairs that were sold by a third party supplier, shipped by XXXX and delivered to our residence. The total for the order was {$930.00} of which {$850.00} was the subtotal for 6 chairs, {$130.00} is the shipping fee titled " fee '' on invoice, tax was XXXX. Merchant ( Macys ) promised a full refund including taxes & fees ( shipping ) upon return/refusal of merchandise but has yet to refund the shipping charges as promised. After numerous attempts between XX/XX/XXXX and XX/XX/XXXX to resolve this issue with the merchant, on XX/XX/XXXX finally a callback was returned by a service agent following up with the case confirming that it's been successfully processed. Again on XX/XX/XXXX I spoke with a supervisor named XXXX in the XXXX  department who confirmed again the credit has been submitted manually, will take about XXXX days to post, but to date - XX/XX/XXXX the balance of {$130.00} is still showing on the account which did not reflect the promised reversal. The order number referenced is XXXX. 

It took the merchant 2 months to finally process the refund for the 6 chairs made in their error, and we are now continuously having to dispute the shipping charges after 7-8 attempts via a combination of calls and correspondence to get in touch with their ordering and credit department servicing teams hearing the same promise. It is now almost 3 months past the initiation date ; it appears that the credit department is completely disconnected from the ordering team and none of the departments within the company is taking responsibility or assisting the consumer to get this cleared. This constitutes as unfair trade and fraud by the company wrongfully charging the consumer which should be escalated to financial bureaus. I've attached all the key documentation and conversation threads that leading up to this while attempting to resolve this matter with the merchant. Please look into my case carefully and contact the company for fair resolution. Thank you for your assistance to 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 monetary relief
Consumer complaint received 2022-05-26 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: MI

Complaint narrative:
Due to covid I had been on a forebearance with XXXXXXXX XXXX This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX XXXXXXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.

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 2022-05-26 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: MI

Complaint narrative:
Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. Covid came and destroyed the little guy and the big mortgage company XXXX came to finish us off.

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 2022-05-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent ExperianXXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXRemove any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN isXXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current Residency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXXXXXX XXXX XXXXXXXX CURRENT EMPLOYMENT XXXX XXXX PRIOR EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX Current Position XXXX XXXX Prior Position XXXX XXXX SSN 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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address isXXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXXRemove any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN isXXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth XXXXXXXX XXXX XXXXXXXX CURRENT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Position XXXX XXXX Prior Position XXXX XXXX SSN 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 2022-05-26 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: FL

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 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXXXXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX XX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 





In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an 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 non-monetary relief