vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-28 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-28 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I think the account might not be valid. CONTRACT CALLERS INC must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records. CONTRACT CALLERS INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
On XX/XX/2024 I attempted to send a XXXX  in the amount of {$2000.00} to my brother. Immediately I got a message that my account is restricted and I need to call customer service. I called customer service, who verified my identity through some questions that only I would know, and the representative told me they can unlock the account if I can answer a call to my phone #. She neglected to say 1- that she will be calling a different phone number, and 2- that I would only get one chance to answer the phone and if I don't then I would need to come into a bank branch to unlock. She then called me 3 times in a row, on my personal phone, which was a different number from which I called, but since I was unaware that she will be calling that number I did not see her calls until right after. I immediately called back but they said they can't help since the flag has been " validated ''. I begged them to call me again, or accept any other form of validation such as ID, public questions, bank/stock balances but they refused. I explained to them I am out of the XXXX for the foreseeable future so I have no way to visit a branch, but it didn't matter. I asked two different representatives, if my money is frozen and I can not access it until I visit a branch I would like to close the account so I can move my money elsewhere, to a more customer friendly bank, but they refused. 
I called them 3 times, was transferred a few times, and reached out on social media to no avail- the latest representative even hung up on me after she asked me to hold. 

I searched online and I see many many other customers of Charles Schwab bank have had similar issues- they freeze their bank accounts, stock holdings, and funds just as they did to me, and leave no option to remove the restriction besides visiting an actual branch, which is quite antiquated in 2024 when there are various other methods to verify identity which every other bank utilizes.

My money is still frozen and Charles Schwab refuses to let me access it or close account to move my funds to another bank. 
I didn't visit a branch to open my account, they didn't require me to in order to take money from me, why should they require such a singular difficult solution to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the collection of rent payments in accordance with the CARES Act.

As you may be aware, the CARES Act, enacted by the federal government, provides protections for tenants during the COVID-19 pandemic. One of these protections includes restrictions on landlords ability to pursue debt collection actions for unpaid rent. Under the CARES Act, landlords are prohibited from initiating eviction proceedings or assessing fees or penalties for non-payment of rent for properties covered by federally backed mortgages or receiving federal housing assistance.

Given the current circumstances, it is imperative that we adhere to the guidelines set forth by the CARES Act to ensure compliance with federal law. Therefore, I kindly request that you refrain from any attempts to collect debt on rent payments during this time, as doing so may constitute a violation of the CARES Act.

I appreciate your understanding and cooperation in this matter. If you have any questions or concerns regarding the CARES Act or its implications for our rental agreement, please do not hesitate to reach out to me. 

Thank you for your attention to this important issue. 

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 non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-28 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: CT

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.

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 non-monetary relief
Consumer complaint received 2024-03-28 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: MS

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? 
I request for the third time that you provide the method of verification you used. Your response should provide :

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 2024-03-28 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: MS

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification?

I request for the third time that you provide the method of verification you used. Your response should provide :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: DISCOVER BANK
State: TX

Complaint narrative:
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  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
While completing my taxes I discovered a charge on my Debit card of {$740.00} from XXXX XXXX, from Commonwealth Financial. There was no phone number. I XXXX  the company and found the phone number disconnected. 

I discovered a link to CFPB of this company which engaged in fraudulent debt collection services. I do not recognize this company name and never did business with them. I have contested this through my XXXX  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This debt is not old by me. This is not my collection. I have never had a XXXX XXXX  cell phone account. I called XXXX XXXX told me once I gave them my Social Security number that they do not have a Social Security number on file at all for me that past due or current For a cell phone service I have not had ever XXXX XXXX XXXX. I do not have any contract for XXXX XXXX with my signature on it nor do I have a contract with XXXX XXXX XXXX XXXX and I have never had a contract with XXXX XXXX XXXX please remove this. It is not my collection

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 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the collection of rent payments in accordance with the CARES Act.

As you may be aware, the CARES Act, enacted by the federal government, provides protections for tenants during the COVID-19 pandemic. One of these protections includes restrictions on landlords ability to pursue debt collection actions for unpaid rent. Under the CARES Act, landlords are prohibited from initiating eviction proceedings or assessing fees or penalties for non-payment of rent for properties covered by federally backed mortgages or receiving federal housing assistance.

Given the current circumstances, it is imperative that we adhere to the guidelines set forth by the CARES Act to ensure compliance with federal law. Therefore, I kindly request that you refrain from any attempts to collect debt on rent payments during this time, as doing so may constitute a violation of the CARES Act.

I appreciate your understanding and cooperation in this matter. If you have any questions or concerns regarding the CARES Act or its implications for our rental agreement, please do not hesitate to reach out to me.

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Subject : Request for Account Review and Refund Due to XXXX XXXX XXXX Shutdown Dear CFPB Team, I am reaching out to you as a customer who has been impacted by the recent shutdown of XXXX XXXX XXXX and its subsequent effect on my treatment plan. I am in the middle of my treatment plan, and requesting for a refund which is financed treatment through XXXX XXXX XXXX via Healthcare Finance Direct LLC services.

Healthcare Finance Direct LLC services keeps calling me to make payments for the services and treatments that were not provided by XXXX XXXX XXXX and was threatened that failing to make payment will result in debt collection agency and will impact my credit score. 

My name is XXXX XXXX, and my account information is as follows : Name : XXXX XXXX XXXX ID : XXXX Phone Number : XXXX It has come to my attention that essential services promised as part of my treatment plan with XXXX XXXX XXXX, including customer support, access to the XXXX XXXX XXXX app, aligner replacements, lifelong touch-ups, and the Lifetime Smile Guarantee, are no longer available due to the company 's closure. 

Given this sudden cessation of services, it is evident that the terms of our agreement have been significantly altered, as the services for which I am making payments are no longer being provided. This raises serious concerns regarding the continuation of payments under these changed circumstances. 

Therefore, I am formally requesting an immediate review of my account and the suspension of future payments until a fair resolution is reached. I have been charged for services that were not provided or met, and I request that my account be placed on hold until a customer support plan is approved by the creditor and the attorney general. 

It is imperative to reassess the financial obligations considering XXXX XXXX XXXX 's current inability to fulfill its contractual promises. 

This situation not only affects me personally but also impacts numerous other customers facing similar circumstances. Thus, I believe a collective review of this situation is necessary to address the concerns of all affected customers in a fair and equitable manner. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NC

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT 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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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