vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: HI

Complaint narrative:
Acct Name : XXXX XXXXXXXX XXXX According to 15 USC 1681e ( b ) it states this ( 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. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this collection Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

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 2024-07-21 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: GA

Complaint narrative:
I recently revieweda copy of my credit report and noticed that I had fraudulentaccounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the HIP AA does allow for limited information about me, but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization Please provide a breakdown of fees including all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please respond by sending this information and accept this notice as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Hard Inquirie Account Name : XXXX XXXX XXXX XXXX. 

According

to 15 USC 1681e ( b ) it states this ( 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. ( 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 agencyshall ( i ) promptly delete that item of information from the file of the con
sumer, 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Hard Inquiry immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

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 2024-07-21 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: CrossCountry Mortgage LLC
State: KS

Complaint narrative:
There are multiple inquiries on my XXXX report I have not made I filed a FTC report and called XXXX for over a year and they have not helped at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
Moved to XXXX XXXX  in XXXX after husband left and lost home.Never late on rentXXXX yr there advised no lease needed.chance to move closer to job so moved XXXX.Left earlier than I needed to and didn't even ask about return of deposits because nobody ever in office.This year I needed to buy car and found instead of no credit I had a collection on my report from apts for XXXX $ ( XXXX rent ) never got a phone call, mail ect..advising me that they thought I owed this ( especially leaving all deposits ) same job for XXXX so easy to find.i do not owe this and was never aware of debt collectionXXXX XXXX XXXX XXXX. XXXX TN XXXX XXXX rent debt auto collection. Acct XXXX XXXX date opened XX/XX/XXXX is on credit report.i paid everything with money orders because of husbands behavior so no receipts after 3yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
I previously file a dispute with Equifax regarding unverifiable collection accounts ( complaint detail # XXXX ). They deleted one account however they did not delete the other as they found it to be " verifiable ''. I spoke with the furnisher and they were not able to verify the account with me as they did not provide ANY of the requested documents. See attached. Therefore, I am demanding that Equifax deletes this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  hard credit inquiry without permission. I didn't apply for account nor increase. Unknown why hard inquiry appears on XXXX and Experian. Please remove and update score. As of XXXX no hard inquiries should appear. 

XXXX XXXX or XX/XX/XXXX hard inquiry without permission nor application. Experian. Please remove and update score. As of XXXX no hard inquiries should appear. 

Experienced many dark web activities and ALL credit bureaus should be locked and frozen due to identity theft attempts. Birth certificate, social security card stolen by landlord in XXXX. Drivers license stolen in purse in XXXX XXXX GA and by ex. Filed with each bureau credit still left vulnerable. All pertinent Information available on dark web. Please assist. Victim of breach and bureaus didn't apply extra security measures. Received email confirmation and small electronic pmt but no security measures. Please assist. Discrimination factors.

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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Name : XXXX XXXX Company Name : Synchrony Bank Complaint Information : Amount in Dispute : {$3800.00} Complaint Details : Unauthorized Credit Card Account and Inadequate Fraud Investigation Detailed Description : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding a fraudulent credit card account that was opened in my name without my authorization in XXXX. Despite my repeated attempts to resolve this issue directly with Synchrony Bank, the matter remains unresolved, and I am seeking the CFPBs assistance. 

Background : 1. Fraudulent Account : Between XXXX and XXXX, an unauthorized credit card account was opened in my name with Synchrony Bank. I did not apply for or authorize this account. 
2. Unauthorized Transactions : Unauthorized individuals accessed my mailbox and used my checkbook details to make unauthorized ACH payments to this fraudulent account. Additionally, my phone was stolen, and my safe, containing my Social Security number and other personal information, was broken into. 
3. Reporting the Fraud : Upon discovering the fraudulent activity, I immediately contacted Synchrony Bank to dispute the charges. I also reported the issue to the police and filed a report with the Federal Trade Commission ( FTC ). 

Issues with Synchrony Bank : 1. Failure to Investigate : Synchrony Bank failed to conduct a reasonable investigation into the disputed account, continued to report inaccurate information to credit reporting agencies, and pursued collection efforts against me by suing in me in civil court. 
2. Inadequate Response : Despite providing Synchrony Bank with evidence of the fraud, including the police report and FTC Identity Theft Report, they have not taken appropriate action to resolve the issue or correct the fraudulent information on my credit report. 

3. Unfair Practices : Synchrony Banks continued attempts to collect the fraudulent debt, despite being informed of the identity theft, constitute harassment and unfair debt collection practices. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

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 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo, has been hitting me for hundreds of dollars in ATM overdraft charges while I was in the hospital. I never opted in for them to pay debit overdrafts, as I was certain that if there was no money in my account a debit card would just deny them. I was XXXX and unable to reach out to them. But I called them several times and stated I wanted to correct my account that I have had since XXXX they said the executive team would reach out to me in two to four days. Then it was 10 now they closed my account and say that I owe them hundreds in overdraft fee 's for XXXX, XXXX charges. Why would they honor XXXX charges only to charge me {$35.00} time 15 times. They refuse to call me back after several attempts. I never opted in. I offered to pay anything that was ACH even though me being in the hospital I could not stop them, but ATM/Debit cards? I have been a member since 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 2024-07-21 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: CA

Complaint narrative:
Account Name : XXXX XXXX / XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( 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. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Closed Account off my credit report immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

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 2024-07-21 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: CA

Complaint narrative:
Account Name : XXXX XXXX / XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( 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. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Closed Account off my credit report immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: AR

Complaint narrative:
Please see the attached screen shot of this fraudulent account ( XXXX ). First of all I do not have an account ending in ( XXXX ) I do however have an account with XXXX XXXX  XXXX XXXX XXXX ( XXXX ) OPEN-END LINE OF CREDIT AGREEMENT with account number Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Manager XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Subject : XXXX Billing Error This account has never been late and has been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
Please see the attached screen shot of this fraudulent account ( XXXX ). First of all I do not have an account ending in ( XXXX ) I do however have an account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( NETCREDIT ) OPEN-END LINE OF CREDIT AGREEMENT with account number Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NetCredit Attn : XXXX Department XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Subject : XXXX Billing Error This account has never been late and has been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A hard inquiry by XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, initiated by XXXX. 

A collection account opened by XXXX XXXXXXXX XXXX on XX/XX/XXXX, with an original amount owed of {$1200.00} from XXXXXXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A collection account opened by XXXX XXXX on XX/XX/XXXX, with a balance of {$2400.00}, under account number XXXX XXXX. 

An installment account with XXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a high credit of {$720.00}, under account number XXXX XXXX 

An installment account with XXXX, opened on XX/XX/XXXX, with a high credit of {$2500.00}, under account number XXXX XXXX 

An installment account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$15000.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2300.00}, under account numbeXXXX XXXX XXXX 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$180.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$460.00}, under account number XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently filed a complaint about portfolio recovery attempting to collect a debt without properly giving me notification for the following account XXXX. I requested that they provide me with evidence that they gave me proper notice allowing me to dispute the debt before it reached my consumer report however they did not provide that document. I also requested the purchase agreement since they claimed that they purchased the debt but they also failed to provide that ( complaint # XXXX ). Now I am certain that they are attempting to collect a debt that is not owed and are falsely reporting an account on my consumer report without having any proper verification. Pursuant to 15 U.S. Code 1692g ( c ) Failure to dispute the validity of a debt can not be construed as admission ( I never received proper notification nor have they provided proof I received notification ). This is a huge violation of the consumer protection act and this is going to be their last chance to rectify this situation by deleting this account from my consumer reports before I seek further action. If Portfolio recovery believes otherwise, then I demand that they provide the certified green return card bearing my signature at least 30 days prior to reporting this information AND the purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: AR

Complaint narrative:
in accordance with the Fair Credit Reporting act 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