vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my XXXX XXXX, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, Transunion, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has XXXX this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( Equifax, XXXX, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXXXXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, XXXX, Experian ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding 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 explanation
Consumer complaint received 2023-06-29 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXX XXXX XXXX XXXX You : {$17.00} XX/XX/XXXX XXXX XXXX XXXX You : {$19.00} XX/XX/XXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXX XXXX XXXX XXXX You : {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$34.00} XX/XX/XXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$40.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$4.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$27.00} XX/XX/XXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$58.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$99.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$95.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$220.00} XXXX XXXX XXXX XXXX You : {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} I filed a dispute for all these transactions and let the representative know that I don't do business with this merchant. I had my debit card deactivated and replaced as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 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: Commonwealth Financial Systems, Inc.
State: NE

Complaint narrative:
In the last two months, I have tried to dispute a debt that popped up out of nowhere on my credit report. The first notification was from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX representing XXXX XXXX for the amount of XXXX. Which I dont dispute owing XXXX XXXX. The second account that popped up was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for XXXX and it says the original company is Tire Agent. I have tried to dispute this multiple times because Im being charged the same debt twice. Each time it comes back that the amount is accurate, when Im fact it is but I only owe the debt once. So today XX/XX/29 I tried to reach out to leafy financial and got a cellphone voicemail. So I then reached out to commonwealth financial and spoke to a supervisor by the name of XXXX XXXX who informed me that XXXX XXXX was the client they were representing. I asked him if that was the case then why is this debt being reported twice on my credit report, and when I disputed it you didnt clear it up with the credit bureau XXXX I requested something in writing stating that they Commonwealth were in fact representing XXXX XXXX and he told me he couldnt send me anything in writing. He could only send me what I owned commonwealth. I then stated that that is indeed fraud if youre reporting the same debt twice under false pretenses and will not clear it up. I asked to speak to his boss and he would not let me because he was busy. I stated that I would hold and he told me I couldnt hold and he would disconnect the call. I expressed I had no problem working out a solution to pay the debt after it isnt being reported on my credit twice. He refused and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: CA

Complaint narrative:
Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX. and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof

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 2023-06-29 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Venmo account has been hacked. I called the company where they confirmed that was the case. I provided all the credentials needed and asked that the transaction, which is a rent payment from XXXX XXXX needs to be reversed back to his account. I was told the communication to complete this needs to be done via email. I have been back and forth with them since the beginning of XXXX and they have not returned the funds. Today I was on the phone twice and they dropped the call on me. Basically the funds are just frozen in the account and Im not getting any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Attached is the ACSI response to this collection. as u can see by their documents provided there is two different bills with two different amounts owed. Furthermore, this dept is in violation of HIPPA and also against my FDCPA rights. As shown in the two different bills under procedure descriptions a detailed list of what was done medically also to what XXXX and that is a violation of HIPPA. 

Also, the page showing acknowledgment of receipt of dental materials fact sheet & brident notice of privacy practice neither of the boxes are checked there for documents required to be provided by hippa law were not provided. 

also all the documents provided have discrepancies in the name. I am XXXX XXXX XXXX XXXX. 

The document each show a different name : XXXX XXXX or XXXX XXXX XXXXXXXX Furthermore, as seen in the provided Texas ID the signature does not match any signature provided on any of the documents provided. 

Lastly the bill also states XXXX XXXX, XXXX, XXXX yet the creditor listed is XXXX XXXX and XXXX XXXX  is not listed on any of the documents provided. 

I request that this be removed from all credit reports since it is a violation of my HIPPA rights and FDCPA rights. Also, since the credit reporting company 's documents provided all have discrepancies. 

All discrepancies are Highlighted in yellow.

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 2023-06-29 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-29 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: NC

Complaint narrative:
I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped XXXX plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE DELETE THE ACCOUNTS ATTATCH TO THE DOCUMENTS ABOVE AND I'LL REALLY APPRECIETED THE ASAP RESPONSE TO MY REUEST AND IT'S 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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
This is the certified letter I sent to them last week regarding my account see below. I have a credit refund balance since XXXX. They sent me checks of the years but I never cashed them because I wasn't aware of credit refund and thought it was a scam to cash. I contacted them in XXXX in XXXX and told then I didn't realize I had auto pay on my account and is requesting a credit refund of all the amounts taken from XXXX of opening of the account. I was making XXXX payments a month apparently. I mailed them this letter below since the correspondence department handles this and mail is the only option this is what I was told via phone. I contacted them today again for a follow up XX/XX/XXXX via phone and they stated they did receive my letter and stated it wasn't clear of what I wanted which I did indicate exactly my request of all monies owed to for overpayment to be sent to me via check. They are not willing to send me my check of monies owed and I am reporting them for fraud and not returning monies owed to me legally. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Attention : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Refund of Credit Balance Dear First Progressive, I hope this letter finds you well. I am writing to request a refund of the credit balance on my account with your company. The purpose of this letter is to request for a credit balance refund for the entire duration of account opened since XX/XX/XXXX. 

As a valued customer, I recently noticed that my account shows a credit balance. After reviewing my records, I have confirmed that this overpayment was made unintentionally. Therefore, I kindly request that you process a refund for the excess amount as soon as possible. 

I would appreciate it if you could initiate the refund process and provide me with an estimated timeframe for when I can expect to receive the refund. Please ensure that the refund check is issued with the full amount owed to me from the beginning of the opening of the account. 
If there are any further documents or forms required to complete this refund process, please inform me promptly. I am committed to providing any necessary information to expedite this transaction. 

I would like to express my gratitude for your prompt attention to this matter. I value your excellent customer service and I am confident that you will handle this refund request with the utmost professionalism. I look forward to receiving the refund at your earliest convenience. 

Should you require any additional information or have any questions, please do not hesitate to contact me via email or phone, as indicated above. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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