vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB

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 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXXXXXX 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 2022-07-05 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: FL

Complaint narrative:
15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION!

CREDIT REPORTING AGENCY THAT THIS COMPLAINT
IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE XXXX XXXX XXXX EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

CONTINUING OFF OF CASE NUMBER # XXXX CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION According TO THE FCRPA. AFTER SENDING IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND Falsely AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN. 

ALL INACCURATE AND ERRORS AND VIOLATIONS HAVE BEEN MARKED IN ATTACHMENTS ALONG WITH FTC REPORT AND POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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

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 2022-07-05 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account with 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 explanation
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 2022-07-05 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
On Monday XX/XX/XXXX I received a communication from XXXX XXXX a collections agency. On this date I was advised that I had a charged off loan with Affirm for {$1600.00} in association with XXXX. I reported this as fraud and the representative advised she would submit this back to Affirm has fraud. Immediately, I contacted Affirm and reviewed my loan information. They had XXXX loans on file under my information but only XXXX were rightfully mine ( XXXX, and XXXX both paid per agreement and in good standing ). The remaining XXXX that do not belong to me with Affirm were XXXX, XXXX XXXX and XXXX. I have initiated a fraud claim and currently waiting communication. I have also offered to provide a letter of security breach sent to me by my previous mortgage provider XXXX. This letter outlines the details of a security breach they experienced from XXXX XXXX XX/XX/XXXX where my information was compromised. I currently await a communication regarding my fraud dispute to provide them with this letter. I have also submitted this letter and fraud investigation with XXXX, along with a credit report freeze and fraud alert on my credit report that has been sent to all three reporting agencies. At the current moment my XXXX XXXX dispute is in progress, and I was advised to initiate a complaint via XXXX or a police report regarding this credit report dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
I was just informed today randomly after sending money on XXXX XXXX via my account with Chime, that they have closed my account effective immediately today XX/XX/22. No warning or notice was given, which is very strange and feels like a scam in my book due to my direct deposit hitting as well as me having almost {$900.00} already in the account, and then right after my deposit hits my account you all just close it? And then tell me I have to wait 30 days for MY MONEY THAT I WORKED FOR! I HAVE TO PAH MY BILLS TO WHICH YOU ALL ARE HOLDING MY MONEY AND CAN NOT GOVE ME A REASON AS TO WHY YOU JUST CLOSED MY ACCOUNT! I have seen numerous complaints of the same tactics with this online bank and thought after being a valued customer for the past XXXX years it would never happen to me.! I NEED MY MONEY IMMEDIATELY!!!!! I DONT HAVE TIME TO WAIT FOR 30 DAYS AS I HAVE BILLS AND FOOD TO PURCHASE FOR MYSELF AND MY FAMILY!!! THIS IS RIDICULOUS AND IT NEEDS TO BE RECTIFIED IMMEDIATELY!!! I CAN CARE LESS IF THE ACCOUNT IS CLOSED, BUT I DO CARE THAT I GET MY MONEY TOMORROW! I need it NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Bull City Financial Solutions, Inc
State: TN

Complaint narrative:
In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to Bull City Financial. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with XXXX. 

XXXX refuses to engage with Bull City Financial and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with Bull City Financial and removed the erroneous entries, XXXX takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with XXXX are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted Bull City directly. Bull City declined to remove the erroneous entries. Bull City may be contacted at : https : //www.bullcityfinancial.com/, ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights.

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

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

I have never shopped or did business with this company, XXXX. I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NY

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX 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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MA

Complaint narrative:
I found a new debt-collection remark ( {$160.00} ) on my credit history on XX/XX/XXXX and I realized it was from XXXX XXXX XXXX XXXX same creditor- for the same account opened due to identity theft XXXX years ago. I contacted XXXX XXXX and reported the identity theft issue in XXXX and XX/XX/XXXX. Their debt collector agreed to remove the fraud debt collection record. But this year, XXXX XXXX once again posted the same fraud bill on my account. 

The previous incident is below : I found a debt collection record of {$160.00} in my credit history on XX/XX/XXXX. The creditor is XXXX XXXX, a XXXX power provider/company. The debt collector is XXXX. I contacted XXXX XXXX and was advised to file a police report and provide utility bills for my apartment in XXXX. I faxed all the required documents to the provided number ( XXXX ) on XX/XX/XXXX, but have not heard back from XXXX XXXX. I filed a complaint on CFPB ( ID # XXXX ) and the debt collector removed the debt collection record on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act capital one 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 2 : It also states a consumer reporting agency can not furnish a account with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a lock on my debit card with Bank of America for a brief period. And spoke to them concerning an issue over what seemed to be an unauthorized account opened in my name. They suggested I receive a new debit card as a part of the solution which involved me unlocking my card. I knew the balance on the card at the time very well because it was very low. and I keep a daily watch on my account. so when I unlocked my card so an order for a new debit card could be placed, after the call ended. I noticed my account was XXXX lower than before. So I decided to take a closer look at my mobile om line banking app, and in two places where transactions are noted, it only confirms that on the day in which this deposit was supposedly made, I hadn't used my debit card at all. I am in the process of closing my account over this because this is a second occurrence of suspicious activity on my account. I didn't report this prior, because I had no proof to work with. Now I don't think there is anything you can do for me by way of compensation for such a small amount nor am I asking for any. I only feel the matter deserves your attention and of course time. i reside currently, in XXXX XXXX, MA. XXXX. Best Regards

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