vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: MA

Complaint narrative:
I reached out to Alberts as soon as I saw the charge. They informed me it was a for a genius subscription that I had cancelled on XX/XX/2024. I have gone around in circles with them because they did not cancel the subscription as I asked to do and instead took out money from my account for an investment account and then charged me the fee. This was done via text so they have the history of my conversation. I asked their representatives to make sure there wasnt any other susbscription or that no other monies would be taken from my account and they informed me that I was all set. 

Today, they wont even acknowledge that the transaction was unauthorized or that their representative gave me incorrect info. I spent an hour trying to resolve this and they keep going around in circles. They escalated the issue twice and I still did not receive the requested refund. Instead I had to write back and ask for a status. What I got was that they would close the account but it would take up to 14 days to resolve it. This company is using unfair and deceptive tactics. They lure you in and its an advance and then con you into setting up all these accounts. The worst part is that even after you cancel the services, they go ahead set up the investment account so they could charge you the XXXX for the investment subscription.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: NC

Complaint narrative:
On XX/XX/XXXX, I received an email from " XXXX XXXX '' at Zion Debt Holdings, LLC, wherein XXXX XXXX claimed that I had a current balance due of {$2600.00} from a XXXXXXXX XXXX account that " was not properly closed. '' The email provided a link to make the payment with a Zions account number. I assumed this was spam or some kind of phishing scam. 

On XX/XX/XXXX, I received a text message from an unknown number, claiming to be Zions Debt Holdings. The sender requested that I call their number to " resolve '' my " past due XXXXXXXX XXXX account, '' after which they would " offer to expunge it from the credit agencies. '' After this second communication, I thought it would be prudent to review my credit reports, which I did last night ( XX/XX/XXXX ). Much to my surprise, there was, in fact, a collection account reported to XXXX by Zions Debt Holdings on XX/XX/XXXX. I immediately initiated a dispute of this debt with XXXX. 

For context, I did have a XXXXXXXX XXXX  account from XX/XX/XXXX- XX/XX/XXXX. However, I terminated the account in XX/XX/XXXX because it was created under false pretenses by a former XXXX representative, XXXX XXXX. 

Moreover, even if this was a legitimate debt ( which it is NOT ), in North Carolina, a debt buyer must initiate collection efforts within 3 years of the last activity on the account. See N.C.G.S. 1-52 ( 1 ), 58-70-115 ( 4 ). In both communications, Zions claimed to have purchased this alleged debt from XXXX ( see attached communications ). Zions, however, reported this alleged debt to XXXX on XX/XX/XXXX, which was more than 3 years after my last activity with XXXX. Zions also waited almost an entire year thereafter to make a collection effort ( which failed to contain the necessary disclosures required under state and federal law ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MA

Complaint narrative:
I am writing to formally dispute and request correction of inaccurate information present on my credit report maintained by TransUnion, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initiated contact with TransUnion to address the inaccuracies outlined below, yet to date, there has been no response from them. 

XXXX XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : Dispute : I disagree with the reported balance of {$2500.00} and request correction to reflect the accurate amount. 
Request : Delete information regarding the Past Due amount as this account is closed and charged-off. Mark this account as disputed to prevent adverse effects on my credit score. 

XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : Dispute : I question the reported balance of {$400.00} and request verification of the Date Opened, Date of Status, and First Reported.

Request : Do not report Past Due information as the account is closed and charged-off. Mark this account as disputed until the dispute with the creditor is resolved. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$280.00} ) : Dispute : The reported balance of {$280.00} is inaccurate ; I request verification of the Date Opened, Date of Status, and First Reported.

Request : Do not report Past Due information as the account is closed and charged-off. Mark this account as disputed until the dispute with the creditor is resolved.

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 2024-01-26 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-26 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report and, to date, have not received any response. The following details the inaccuracies and corrections required : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its removal from my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is inaccurate, and I request a revision of the Past Due information. Kindly mark this account as disputed until the discrepancy is resolved. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its removal from my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I dispute the reported balance and Past Due amount for this closed and charged-off account. Please mark it as disputed while I resolve the discrepancy with the creditor. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its removal from my credit report. 
XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request a correction/update on my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request a correction/update on my credit report.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX cancelled a purchase that I made with my Navy FCU card and refunded it as a chargeback. Navy stated they didn't receive it. Went back and forth with Navy and XXXX. Sent Navy XXXX documentation of chargeback yet Navy never refunded. I expected my bank to protect me and they didn't. That balance as well as a host of unauthorized charges billed to credit card ending in XXXX for XXXX etc that ate still in dispute status. Yet Navy is reporting inaccurate and incomplete information which is damaging to my credit rating and finances due to finance charges that should not be applied for fraudulent or unauthorized debits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: WI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Personal information was compromised and used to make fraudulent accounts with my name

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Personal information was compromised and used to make fraudulent accounts with my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX, our auto insurance premium  was paid from our mortgage escrow assets by Freedom Mortgage. I obtained a refund of the duplicate automobile insurance payment made by Freedom Mortgage from the insurance carrier. I did not return the refund to the escrow account for reasons stated in the attached correspondence. 

The consequence is that Freedom Mortgage raised our XXXX monthly escrow contribution by 93 %. 
This punitive increase is due to the fact that Freedom Mortgage insists on using the total insurance payouts from last year in the escrow analysis. The factors being applied are inaccurate and occurred due to an error committed by Freedom Mortgage 's processing department. 

I spoke with an insurance department representative at Freedom Mortgage on XX/XX/XXXX. Her name was XXXX. XXXX was able to isolate and validate my contention that the escrow analysis was inaccurate and based on faulty input. XXXX requested a recalculation of the escrow analysis using accurate data. 
I also spoke with an escrow analyst named XXXX on XX/XX/XXXX. XXXX concurred with XXXX 's request to have the escrow analysis reviewed and updated with the proper inputs. XXXX guaranteed that the new analysis would be available by XX/XX/XXXX. 
The firm remains unresponsive to the validated concern described.

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 2024-01-26 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In my efforts to avoid identity theft, clean my credit and bring my information up to date, I explained to Transunion that the XXXX in between my first name and last name is not valid, Transunion has ignored that and everytime I get letters from them, my name is written XXXX XXXX XXXX I sent driving license, social security card, and utility bill and also a notarized letter and the name remains the same My name is XXXX XXXX not XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
Blitt & Gaines sent me a letter in the mail saying they are trying to collect a debt they claim I owe XXXX XXXX, XXXX. I filed several complaints they have failed to send me what I requested. I was served a summons but how are they a debt collector on the letter but listed on the summons as attorney office? Since they are trying to sue me and collect on behalf of XXXX XXXX XXXX. I asked that they produce the Affadavit of Corporate Authority signed by the board of directors office authorizing/ appointing them to represent XXXX XXXX XXXX XXXX  and allowing them to file a claim against me. But they have ignored my request. They have failed to provide identification and attachment of them working on behalf of XXXX XXXX XXXX. They also failed to provide a copy of the original card member agreement containing terms and conditions between myself and XXXX XXXX XXXX. They also failed to provide a copy of all statements from the beginning of time to present. They failed to provide identification and attachment of statements and files from record keeper of business. I asked for identification and attachment of forward flow agreement between myself and XXXX XXXX XXXX The only thing they sent me was a copy of statements from XXXX XXXXXXXX which does not prove that I owe this debt of XXXX that they are seeking. I also asked in my previous letter to them that they respond back via email and instead they sent me personal information in the mail. I have a stamp copy proof of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The condition of my credit report is causing me significant distress, and my disappointment is profound. The situation is not just highly embarrassing ; it is evident that either you or the company is accountable for reporting this inaccurate information. My history reflects consistent on-time payments, and I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/XXXX, I purchased 4 tickets to a show from XXXX, not knowing that I was being transferred to this website to fulfill my transaction.

After securing my tickets, I quickly realized that I purchased 3 tickets and not 4. I immediately emailed and chatted with XXXX and they stated all sales are final, even though ; I never received the service, emailed within minutes of me finalizing my order and how there refund policy is not listed prior to you executing the transaction, which is fraud and a scam. 

I need my {$410.00} back. I disputed this through my Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX # XXXX XXXX # XXXX ( XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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