vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: James E. Albertelli, P.A., a Florida professional association
State: NC

Complaint narrative:
On XX/XX/2023, I received a debt collection notice from Albertelli Law requesting that I respond to the notice. 

On XX/XX/2023, I responded to the notice by paying the amount requested on the notice. 

On XX/XX/2023, I received a XXXX package from Albertelli Law with a refunded check for the exact amount I sent. The check that was sent back was dated XX/XX/2023. Along with the check was a notice dated XX/XX/2023, stating that the amount sent was not the correct amount owed and that the eviction would proceed. 

On XX/XX/2023, I called the number listed on the notice that was sent on XX/XX/2023, and the number was disconnected. I also called the number listed on the notice received on XX/XX/2023, and was told that was not the correct number as it was for foreclosures. The lady on the phone gave me the number for the evictions. 

On XX/XX/2023, I received an email from Albertelli Law stating that a response to my questions that I sent to the landlord would be responded to. 

On XX/XX/2023, I emailed the attorney to let them know I was still awaiting a response. 

On XX/XX/XXXX, I left voicemails for the attorney at the office and on the cell number listed in the previous email. I finally received a call back and the attorney stated they were filing a writ of possession. I then received an email with the same information. I responded that I had not received an answer to my questions. 

As of today XX/XX/2023, the attorney still has not given me the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: SC

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( 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 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
Had judgment against me after it was paid off they still took money out of my check even though it was paid off because they still said that I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 

1. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 2. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 



3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 2023-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I attempted to enter into a payment plan with the company for my Value City credit card. the company approved the payment plan but will not provide information indicating that I am in a payment plan. I need this information for my records and to verify with my current employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XX/XX/2023, I shopped at XXXX and signed up for a store card offered by XXXX. In paying for the merchandise via my bank, XXXX, the payment was XXXX day late due to XXXX error. I called at least XXXX  times to resolve the issue with late fees and was transferred from person to person, spending hours of personal time trying to resolve the issue, including documentation from XXXX. From a {$15.00} late fee from XXXX they refused to credit, they continue to add fees and interest and extra charges. They leave me messages to resolve but when I call, they keep asking me for higher and higher payment amounts. The merchandise I purchased has been paid for and I do not want to do business with Comenity. I would like this issue resolved. I have many years of excellent credit and make every effort to pay all bills on time. Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BHA Services
State: CA

Complaint narrative:
BHA Services sent a text message to my personal cell phone trying to collect a debt from my deceased mother. She has been dead for XXXX years. I personally paid all of my mother 's outstanding debts through CA probate process. This company should be severely fined for their disgusting, deceitful, illegal trade!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-08 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: MD

Complaint narrative:
XXXX app alerts have been popping up with XXXXXXXX XXXX XXXX XXXX Saying my information is on the XXXX XXXX and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. TransunionXXXX XXXX XXXX XXXX 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 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Wise notified me on extremely short notice that they would be changing my domestic USA wire details to a new account. I notified my employer, however they did not update the details in time and my salary payment was sent to the old Wise account details. 

It has been over one month now, and I still have no idea where the money is. Wise said that the money would be 'automatically returned ' after 14 days, but it's no where to be found and my employer has told me that the money has not bounced back or been returned at this point. 

I have also called the receiving bank that Wise were using ( XXXXXXXX XXXX & XXXX ) but they have not been helpful in locating my money or returning the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I emailed Wakefield and associates on XX/XX/XXXX  to receive validation of the 5 debts that they have contacted me to pay. I used the reference number provided to me XXXX. They never sent a validation letter and proceeded to call me while I was at work. I then requested by phone to get debt validation and they said I would have to email. I have since mailed a physical letter to them to request validation. With nothing received to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MI

Complaint narrative:
. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/2023, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Card was stolen. I have had to call capital one 4 times already to try and get the thieves to stop charging my card. They have sent me new cards but the thieves are still charging my new card. CapitalOne has assured me multiple times that the charges would go away but they have not. I don't want to call every single month and talk for an hour and have to get a new card every time someone uses my new unopened unactivated credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Some hacked my account and withdraw money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. 
I have never done business With XXXX XXXX XXXX Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA Release Authorization. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. 
XXXX XXXX XXXX collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company Synchrony Financial/Sams Club . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file. 

Inquiry Details : XXXX XXXX - XX/XX/

Company response to consumer: Closed with explanation