vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
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 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 I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. Here are the dates and the amount I sent XXXX : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} There are about {$4000.00} more that she sent through cash app. XXXX {$500.00}, {$250.00}, XXXX XXXX $ XXXX {$100.00} XX/XX/28 {$300.00}, {$300.00} During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I did a totally legal sale of a home in XXXX XXXX, Virginia. I took a cashiers check to pay off my mortgage with XXXX XXXX XXXX XXXX in XXXX, VA for XXXX dollars. They in turn gave me a check for XXXX in return for the overpayment. This was a Certified Cashiers Check. I deposited the check at an ATM for Truist bank in XXXX XXXX, NC. Then some overzealous Fraud Investigator at Truist Bank locked up my ac count for 7 days pending investigation. I have banked with Truist ( BB & T ) for 28 years. I am a XXXX XXXX XXXX XXXX and a former XXXX XXXX XXXXXXXX XXXX. I have spoken numerous times to the fraud department and then went to the Local Truist bank Manager and She has been trying to help. In the mean time my account has been locked for 3 days and I have automatic debits bouncing and am worried that my excellant credit rating will be ruined. I need help.

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 2023-03-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXXXXXX XXXX Account # XXXX, & XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2023-03-08 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting to Equifax that I have federal student loans with them according to Equifax 's investigation into the loans and the amounts reported by XXXX XXXXXXXX XXXX, however, XXXX XXXXXXXX XXXX XXXX federal contract ended in XX/XX/XXXX and ALL of the federal loans that they were servicing were transferred to other companies such as XXXX ( where my loans were transferred to initially ) and XXXX ( where my loans were transferred to and consolidated and remain ). I find it difficult to understand how a loan company that no longer holds federal student loans at all would report that I have loans with them as Equifax reported in their investigation into the matter. Equifax response was as follows : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXXXXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXXXXXX XXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXXXXXXXXXX XXXX-THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXX XXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX/DEPT OF ED THE BALANCE OF THIS ITEM HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : DEPT OF EDXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE . We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NY

Complaint narrative:
My signature was forged on the fraudulent retail installment agreement. Communication was sent to the dealership to rebut about this fraudulent activity via USPS certified mail with proof of delivery confirmation. No response to resolve the situation was done by XXXX XXXX XXXX. A complaint XXXX was filed with the NY Attorney Generals Office and I received correspondence requesting documents to contact them on my behalf to remedy this serious situation. The dealership did not respond to the NY Attorney Generals office and I was advised to proceed with litigation. XXXX XXXX XXXX XXXX is aware, was not present at the alleged contract signing and been informed multiple times about this fraudulent account. However, knowingly and willingly are still trying to coerce me to pay an alleged debt I do not owe. XXXX XXXX XXXX XXXX has failed to prove proof or validation. Note : A copy or a consumer credit contract, agreement, or statement is not sufficient to validate debtor liability -it must also include an affidavit executed by someone with first-hand knowledge about how the debt was incurred. Account must be deleted immediately.

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 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I received XXXX surgery from XXXX XXXX XXXX. I paid a large sum in advance of the surgery - and was surprised when I still had almost {$3000.00} not covered. 

I made a couple of payments toward the XXXX bills - and the next month when I went to make more payments- I wasn't able to. 

I received a bill for {$2100.00} from a Debt Collector and I paid it. I didn't hear anything more, until I received a phone call from someone asking when I was going to pay the bill. 

I said- I sent a check a while ago, and I looked in my records and gave them the date the check cleared and the amount. 

They let me know that was for XXXX bill and there was still an outstanding bill for {$670.00}. 

I let them know right then that it was not the correct amount, that I had paid on that bill and they needed to get the updated information. 

They sent me a bill and I returned it with the message : " I am disputing this bill as it is the wrong amount. '' They called me last week and asked me again about the bill. I had not received another bill since I returned the last one disputed and told them that. They said : " Oh, yes, we saw that you disputed it and XXXX says you owe that money. '' I responded that I never received any proof that I owed that full amount and in fact - I do NOT owe the full amount and that they needed to provide me with PROOF that I do owe that. They said they did not need to provide proof - that XXXX saying I owe that is all they needed. 

They sent me a new bill- with the same amount on it. I double checked my payments and I have made a payment that is not reflected in the amount billed. 

What are my rights? I always understood that if they did not provide proof of the disputed bill that the bill would simply go away. Can you clarify? I am planning on returning this letter disputed and sending it certified mail so I have it clearly stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, XXXX, Equifax, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX, Account name : # XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-03-08 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: CA

Complaint narrative:
I refuse to pay the alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 


XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX Closed XXXX negative monthsAccount Info Account number XXXX XXXX XXXX XXXX negative monthsAccount InfoAccount XXXX

Company response to consumer: Closed with explanation