vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: MI

Complaint narrative:
I recently discovered fraudulent accounts and inaccurate information being reported on my credit report and I asked the beaus to conduct an investigation on XXXX XXXX XXXX I attached my drivers license, social security card and a utility bill and instead of conducting an investigation they responded with a stalk letter saying that they cant verify my identity. This inaccurate information is hurting my ability to obtain credit it is my right to have true and accurate information being reported about me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Creditor Name : GM Financial Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Nature of the Complaint : My auto loan account with GM Financial, originally amounting to {$39000.00} with a current balance of {$0.00}, is inaccurately reporting late payments for XXXX and XX/XX/year>. I have never been late on this account, and the reporting of late payments is incorrect. 
Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report accurate information. This statute prohibits the reporting of information that is known to be inaccurate. Additionally, 15 U.S.C. 1681i ( a ) mandates that credit reporting agencies and furnishers correct any inaccuracies within 30 days of a dispute being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I placed XXXX separate orders with XXXX XXXX a few vibe XXXX transaction was with cashapp 2nd transaction was with XXXX XXXX. The XXXX order was returned delivered and received by merchant the order was for {$89.00} which was withdrawn from my cash app. Merchant says a refund was submitted and if thats the case I would see XXXX transactions from merchant XXXX the withdrawal and a second the funds being returned I only see XXXX transaction and cash app continues to deny my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: MA

Complaint narrative:
The complaint is for the following collection agency : COLLECTION MANAGEMENT CO Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( the above is copied from what I found on my XXXX credit report update ) I was NEVER contacted ( by phone, mail, or electronically ) by the collection agency listed above. I received an email update from my XXXX account indicating a credit rating change. When I logged into my account to review the change, I found that my credit rating was significantly impacted by a debt reported by the above collection agency. I have never heard of this company. I checked all of my email accounts to determine if this company attempted to reach me via electronic communication. I was NOT able to find any form of electronic communication, including when I checked my spam folders. I do not have any voice messages from this company. My understanding of the law is that according to 15 U.S.C. 1692g ( a ), a collection agency must attempt to communicate a potential debt, provide information regarding the debt, and allow an amount of time for one to dispute the debt before they are allowed to pursue and take action on a debt. I have NOT received any information regarding this debt from the above collection agency. This collection agency has failed to follow the law appropriately. Further investigation into this matter found that the above collection agency also reported the debt to XXXX and XXXX. 

As of this moment, I only can postulate as to what this debt that was reported by COLLECTION MANAGEMENT CO to the credit rating bureaus may involve. I received a previous communication in XX/XX/XXXX from a different collection agency named XXXX XXXX XXXX. This matter involved a debt associated with an XXXX XXXX in XXXX. When it was brought to my attention, I disputed the debt because my investigation into the manner ( which involved calling the ambulance company involved ) determined they failed to submit the claim to my health insurance at the time ( even though they had my insurance ID on file ). My health insurance at the time covered 100 % of the negotiated ambulance trip rate regardless of in-network/out-of-network. Also, it was determined that the ambulance company had an inaccurate address and name on file ( they sent the bill to my old address on file from an ambulance trip in XXXX ) which is why I had never received a bill in the mail. I provided this information to XXXX XXXX XXXX to fulfill the disputed requirement. I asked them to contact me again if they required more information to resolve the matter. I never heard back from them again. The reason I suspect the debt may be the same is because the value of the debt from XXXX XXXX XXXX and what I saw on my credit rating report as reported by COLLECTION MANAGEMENT CO is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA its illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information of inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove these accounts immediately! Thanks! 

XXXX ( account number ) - XXXXXXXX XXXX XXXX ( account number ) - XXXX XXXX XXXX ( account number ) XXXX XXXX XXXX ( account number ) XXXX XXXX ( account number ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) sent a settlement letter regarding an alleged debt to Discover Bank. XXXX failed to validate the debt as required by XXXX XXXX. XXXX ( b ) of the FDCPA. XXXX has not provided evidence of the debt 's validity nor their authority to collect it. ( These seem late for XXXX, but I only learned about these occurrences in the recent transmittal to me, on XX/XX/XXXX, of the files pertaining to settlements from my escrow account with XXXX ). XXXX has entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX ( XXXX ), acting purportedly as my representative on XX/XX/XXXX. This agreement was made without my knowledge or consent, violating XXXX XXXX. XXXX ( XXXX ) for false representation and XXXX for unfair practices. I retained XXXX to negotiate my validated debts ; however, XXXX paid settlements and took fees without validating debts and without disclosing the details of the parties to me, constituting a breach of fiduciary duty. In this case, the settlement agreement is with XXXX, a nationally known entity, yet lacks reasonable information, including any designation of who the parties are, a lack of a formal signature, and missing significant legal character. According to XXXX XXXX. XXXX ( a ), Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing... the amount of the debt. Given these violations, I believe the settlement pertains to an unvalidated debt. Any funds collected must be returned to me per XXXX U.S.C. XXXX ( c ). I have terminated my agreement with XXXX and request that all further communications be conducted in writing to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I asked for my contract with this company bearing my signature so I can take something to my local police department and still haven't yet received anything. Please hold this company accountable for not follow rules under 15 USC 1692B ON FAIR REPORTING because I think this falls under reporting unfairly and abusive of power.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$4200.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am a victim of identity theft, my information was exposed in an Equifax data breach. Please remove all accounts listed in this FTC report under section 605B within four days. The following inquires are not authorized : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Card never late and company claimed it would be fixed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, it came to my attention that someone had opened a Citi secured credit card in my name without my knowledge or consent. I immediately contacted Citi Bank to inform them of this fraudulent activity and to report that my identity had been stolen. Despite providing evidence that the account did not belong to me, including the fact that the associated phone number and email were not mine, Citi Bank refused to remove the account from my credit report. In response to this, I filed a police report and submitted a dispute with all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX LL XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have on several occasions ask XXXX, and Transunion to add the following statement. 

My bankruptcy was due to a XXXX XXXX, and 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