vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX on my reporting credit 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.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit union claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
Vystar closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to Vystar and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get Vystar to remove this bad report because : XXXX. They didn't have to charge off the {$140.00} ( it was paid ) XXXX. It was my father 's bank account 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 2023-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX CHILD SUP 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-04 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: EQUIFAX, INC.
State: LA

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.

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX CHILD SUP 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 In accordance with the Fair Credit Reporting act Convergent 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: TX

Complaint narrative:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: MD

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files immediately. Even though, my account is frozen, XXXX recently listed this account on my credit report without my knowledge. 
I provided a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to XXXX that are the result of identity theft. I also provided a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. In addition, I provided a copy of documentation pertaining to the Data Breach and XXXX completed Affidavit, along with a police report.

The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information was provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

I suggested that they investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

I've not received any type of documentation of report of their findings. Also, all the these fraudulent charges are still on my credit report. 
Date : XXXX XXXX XX/XX/2023 Amount : XXXX ( there are 12 accounts adding up to {$4000.00} ) Company : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NC

Complaint narrative:
I was a victim of identity theft and I want these accounts removed off of my credit report ASAP!!

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 2023-09-04 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: NC

Complaint narrative:
I was a victim of identity theft and I want these accounts removed off of my credit report ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: LA

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.

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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.

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. 


In accordance with the Fair Credit Reporting act XXXX  XXXX  CHILD SUP 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On or about XX/XX/2023, I initiated a transaction to pay my XXXX XXXX credit card payment through the online bill payment system at my bank, Capital One. The amount of the payment was {$3600.00}. On the morning of XX/XX/XXXX, I checked my bank account and saw that the payment was actually sent to XXXX XXXX, rather than XXXX XXXX. The payment said pending, but when I called Capital One, I was told that since it was an electronic payment, they could not stop the payment. I filed a dispute on the payment with Capital One, which they declined because they said that I directed them to send the payment to XXXX XXXX, and that XXXX XXXX had " accepted '' the payment. They provided me with a credit trace # to track the payment with XXXX XXXX. I do not know if it was my error or the bank 's error that caused the money to be sent to XXXX XXXX instead of XXXX XXXX. I have called XXXX XXXX XXXX XXXX and I have gone into the local XXXX XXXX store. XXXX 's tactic has been to transfer me in a loop to various people in their foreign call center and to deny that they have received my money. I have spent hours on the phone with them and each time, I am transferred to at least XXXX different people, none of whom are willing and/or able to give me a definitive answer about whether or not XXXX received my money. I have had to take money from my savings account to pay the actual credit card payment to avoid having to pay late fees and interest. So, I have spent XXXX XXXXXXXX in less than a month. I am not sure if the credit trace number I received from the bank is a " confirmation '' that XXXX actually received the funds or if it only means that an electronic transfer was attempted. In any case, XXXX is telling me to talk to the bank and the bank is telling me to talk to XXXX. But each one has closed the case and refused to admit that they have my money. The bank at least provided written notice that they closed the case. I have asked them to reopen it. XXXX XXXX is refusing to help me at all. I only know that the case was closed because that's what the customer service person told me when I called to inquire about whether XXXX XXXX has the money. At this point, it seems that I will need to go through the time and expense of taking legal action to recover my funds. This is very unfair to a consumer. When I asked the bank to reopen the case, they said I would have to wait 15 days to get an answer. Meanwhile, I have bills to pay and I have no assurance that the money will be returned to me at that time. I have suffered both mentally and physically as a result of Capital One and XXXX XXXX ' handling of this erroneous payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I've repeatedly requested Midland Credit to verify information and they have failed to do so. I called in XXXX and requested they mail verification, I submitted an online inquiry after that and also mailed XXXX letters ( most recently additionally mailed XXXX by certified mail so they can't claim they haven't received it ). Whenever I've disputed information with the credit bureaus or requested information another way, Midland has increased the debt balance by {$1.00} to intentionally have it readied to my credit report without verifying the information requested. I never received notice of intent to collect the debt nor notification that this debt could be disputed. I additionally never got a fair chance to negotiate or dispute the debt before they added it as a collection. When I requested verification, they failed to verify the debt and have been very aggressive in their attempts to collect the debt while violating several portions of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
This is a a continuation of a problem that CFPB said was resolved on the word of the lender, XXXX XXXX XXXX XXXX, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. 
I am still paying for defective and damaged windows that XXXX XXXX was notified about prior to funding the loan. 
I still have not received any of my loan documents or disclosures. 
I still have not received an explanation as to why XXXX XXXX pulled my credit the same day as XXXX XXXX pulled my credit or, who authorized this, because it was me. As a result, my XXXX XXXX dropped XXXX points. 
I really wonder what the point of CFBP is for the single consumer? I know XXXX XXXX is XXXX XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from Synchrony to XXXX. However, payments to Synchrony were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called Synchrony to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from Synchrony were being sent to me. 
Harassment from Synchrony has persisted since early XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
It says I have a medical bill on my credit report from Medical Data Systems I from XXXX XXXX for {$550.00}, which I do not understand nor see as valid because the XXXX XXXX billing dashboard has never said that I had a bill whenever Ive checked and even if I did I have health insurance that covers any time I go to a hospital. I need a verification letter from them confirming that the debt is mine or else I would like it removed from my report. XXXX XXXX  hasnt emailed me about this bill nor have I picked up anything in the mail regarding this alleged bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ND

Complaint narrative:
Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding a series of attempted money transfers from the United States to XXXX, which have led to significant complications and remain unresolved. 

On XX/XX/2023, I initiated XXXX separate transactions with MoneyGram, each with the following transaction numbers : XXXX, XXXX, XXXX, and XXXX. Unfortunately, MoneyGram was unable to successfully deliver or deposit the funds, and these transactions were canceled without any prior notification to me. 

In my pursuit of a resolution, I engaged in a conversation with MoneyGram 's customer service on XX/XX/2023, and requested a refund for the undelivered funds. They assured me that a refund would be processed within XXXX hours. Regrettably, this promise was not fulfilled. 

Recognizing the ongoing delay and lack of communication, I reached out to MoneyGram once again on XX/XX/2023, as I had not received any updates or my promised refund. During this interaction, I was informed that a technical issue had been encountered, but the funds would be refunded within XXXX business days. It is important to note that this ordeal has persisted for more than XXXX months, causing immense frustration and inconvenience. 

Unfortunately, my efforts to resolve this matter amicably were met with rudeness and refusal from MoneyGram 's agents. Subsequently, in an attempt to retrieve my funds, I reported the situation to my bank, initiating a dispute process. In response to my action, MoneyGram has taken the drastic step of closing my account and has conveyed that, due to my dispute, they are unable to complete the refund. Furthermore, they advised me to contact my bank for any further information. 

To date, MoneyGram has not issued the promised refund, and my inquiries for information have yielded no results. Given the circumstances, I kindly request that an investigation be initiated to ascertain the status of these transactions and to facilitate the return of my funds. This situation has caused undue financial strain and distress, and I believe a thorough examination is warranted. 

I appreciate your prompt attention to this matter and look forward to a resolution as soon as possible. Please do not hesitate to contact me should you require any additional information or documentation regarding these transactions. 

Thank you for your assistance in addressing this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation