vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX

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 2022-12-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Inaccurate collection reporting to my credit report from third party company XXXX XXXX XXXX XXXX Account # XXXX. They are attempting to collect {$280.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX XXXX XXXX without my consent. According to FCRA, this is against Hipaa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Account : XXXX ( Debt Amount : {$130.00} ) and XXXX XXXX XXXX Account : XXXX ( Supporting Documents will be included with this complaint. ) I began the process of securing a low-income loan in XX/XX/2022. When my credit report was checked, it revealed an old debt I owed to XXXX XXXX in the amount of {$130.00}, which I had forgotten. I contacted XXXX XXXX XXXX ( XXXX ) to inquire about paying it off and removing it from my credit report. They ( XXXX ) told me what I must do, so I paid it off at the time of this phone call with their representative by using my debit card on XX/XX/2022. XXXX told me that once they received notification from XXXX XXXX that they received the money, the debt was paid in full, and I had a XXXX balance on my account, it would be removed. However, it remains on my credit report. 

One credit reporting agency ( XXXX ) did receive notification that XXXX XXXX had received the money and removed it from my credit report within two weeks. However, XXXX and Equifax continue to show this debt on my credit report. Today, I spoke with XXXX 's representative, who told me they notified all three credit reporting agencies that the debt was paid off and to remove it from my credit report. 

However, when I spoke with representatives of Equifax, they stated they had not received any notification from XXXX. I have not been able to get through to a representative with XXXX. When I tried contacting a XXXX representative, I received a recording asking for my personal information to pull up my account. I was told my information was incorrect twice, and the call was automatically disconnected. I have been unable to reach anyone with XXXX, although I have tried. Someone has dropped the ball somewhere in this montage of a mess between XXXX, XXXX, and XXXX. This needs to be cleared up and removed from my credit report through Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I was appointed guardian of my father 's property in XX/XX/2019. 

Earlier this year, my father was manipulated by individuals he met on the internet to open credit card accounts with American Express. When I discovered this, I sent letters to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of this year, providing a copy of this court order appointing me guardian of his property, and providing a copy of the court order determining XXXX XXXX limited incapacity. 

Under the terms of these court orders, XXXX XXXX is not capable of exercising the following rights : XXXX. To enter into contracts 2. To manage property or to make any gift or disposition of property 3. To sue and defend lawsuits The letters also confirm that, as my father 's guardian, I did not authorize the opening of these credit cards and did not authorize any of the charges on these credit cards.

I have asked that American Express send a written response within seven ( 7 ) business days that includes : 1. A list of all accounts opened in XXXX XXXX name, the charges on each account and the dates of each charge on each account. 

2. Confirmation that the outstanding balances on all accounts have been cancelled 3. Confirmation that all accounts have been closed 4. Confirmation that the company has not made any negative reports regarding my father and these accounts to any credit agencies.

5. A list of all usernames and email addresses that have ever been associated with online access to any of the accounts Because I am the guardian of my fathers property, I've also requested that American Express stop sending business correspondence regarding these accounts to XXXX XXXX and send all such future correspondence directly to me. 

Most recently American Express has sent a letter dated XX/XX/XXXX to my father notifying him that a balance on an account has been referred to XXXX XXXX for collection. The total outstanding balance listed is {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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

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 2022-12-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I got a mail.from XXXX felt and XXXX XXXX XXXX XXXX XXXX XXXX a disputed and removed account stating I authorize a XXXX part to get a credit card on my name which I never authorize, I reported to XXXX XXXX identity theft and the address which statements sent to me by XXXX XXXX an address I don't live and I don't know nothing about the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the Secretary of State and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Hi, I opened a Credit Card with Avant on XX/XX/XXXX for {$300.00}. My very first payment was due on XX/XX/XXXX and was due on the XXXX going forward. I always logged on to their website Avant.com and made my monthly payments. I even saved the website in my favorites. I continued to make my on-time monthly payments from Avant.com ... I go to log on to their website like I normally do and their website is down and won't let me log on. It said, " Uh oh, were experiencing a problem. ", and that they were having an unplanned outage. So, I figured I'll just check back tomorrow. This went on for a week or so ... after that, I said I better just call in and make my payment. I talked to their representative and explained the situation. I gave them all my pertinent information - first and last name, email, last 4 of my social etc... they claimed that I have no account with them. I also gave them the customer ID # that I received when I couldn't log on to their website where I made my monthly payments. I spent 3-4 hours on the phone getting absolutely nowhere and them saying I do not have an account with them. I told them I've had an account since XX/XX/XXXX and have been making successful payments until the XX/XX/XXXX payment, so how is that possible? I said I need to make a payment over the phone and they refused to take a payment since according to them I have no account all of a sudden. I said I better not get any lates on my credit report. I even asked for their Manager/Supervisor and they refused to put me through to one... they even said one would call me back and I never got 1 call! I am XXXX XXXX XXXX and have never experienced something like this in my life! I must have 12 credit cards open at the moment and I'm never late, and now they have marked 90 day lates on my credit report over a minimum payment which is ridiculous! I've never experienced such incompetence on a credit lender such as Avant and an unwillingness to let me speak to someone who can help me. I even reached out to several lawyers asking for help and they told me to file a complaint here. Avant has destroyed my credit and has costed me thousands from being turned down for loans and creditors lowering my credit limit from Avant 's late reporting. I'm going to attach what their website said when I went to make my XX/XX/XXXX payment and also include all my payments from their website at Avant.com.

Thank you for your help! It's much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I went to apply for an auto loan. I was denied. I discovered that the fraudulent for XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MD

Complaint narrative:
I am a victim of identity theft due to the Equifax data breach. I have spent hours and over {$15000.00} since the data breach negatively affected my life. I have filed police reports and experienced gas loss and wear and tear from traveling back and forth to and from precinct. I have filed FTC reports due to inaccurate information found on XXXX XXXX report due to identity theft. I have also reached out to creditors via mail and phone to report fraudulent activities on my credit report. I also had to relocate with family due to the data breach making it near impossible for me to move forward with anything credit related. I also had to send letters to XXXX system to close inaccurate bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: WA

Complaint narrative:
Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX XXXX data breach and the TransUnion data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.

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 2022-12-27 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: WA

Complaint narrative:
Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX Equifax data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: TX

Complaint narrative:
There are fraudulent items on my credit report and Equifax is not aiding me in removing them from my credit file. Equifax is enabling identity fraud and is completely ignoring the FCRA. The two fraudulent items on my credit report are XXXX XXXX  and US Dept of Treasury . I have provided my ID and FTC Affidavit and Equifax has refused to remove and block these accounts. My request to block is not made in error. My request to block is not based on material misrepresentation. My request to block is NOT of a knowing or should have known about the possession of goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC
State: FL

Complaint narrative:
I received several phone calls from XXXX XXXX at XXXX XXXX  stating This is what was left in the message : " Hello this message is intended for XXXX XXXX care if this is you please press one now old for message my name is XXXX XXXX calling with XXXX XXXX the reason for my call today is to verify the address we have on file as we are preparing documentation to file in the case we have now made several attempts to reach you via mail and also two phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you in court we need to speak with you immediately today at XXXX again the phone number is XXXX or you can press one now thank you and good luck ... ''.. 

This is clearly a fraud threatening call

Company response to consumer: Untimely response
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
I received a notification from my credit monitoring service that Phoenix Financial Services reported a collection on my credit report. I reached out to this company to validate the debt they are reporting. On XX/XX/2022 The collection agency provide me with medical information that I have never authorized to be shared with a 3rd party. The documents they provided included Diagnosis and CPT Codes. This was devastating to me as 1. I have never heard of the collection agency, the Current Creditor " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX  OR any of its affiliates. I looked up the provider 's name in my area and it appears he is a provider at XXXX XXXX XXXX. I was never treated at any facility on or during the date shown in the medical records they are illegally sharing. 

Not only is this company reporting medial information that is against HIPAA laws, the date of service I NEVER went to the hospital on that day and this ERROR has caused major impact on my ability to purchase a home, insurance, or anything that requires proof of my credit worthiness. The address and telephone number they have is not mine and I have NOT had any information that matched or similar. This company is violating my rights, breaking HIPAA laws and to get me to pay debt that does not belong to me and continues to report information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened " XXXX saving account powered by Webster Bank on XX/XX/2022 and transferred {$40000.00} funds from my XXXX bank account. 
On XXXX I requested funds to be transferred to my new XXXX XXXX saving account in XXXX XXXX bank, which had better deal. 
I received confirmation email with reference number XXXX and send date : XXXX and expected delivery date : XXXX On XXXX I received another email from XXXX Bank informing me for security reason they stopped transaction and they need to review my account I called on XXXX and XXXX for follow up and suggested if I can be helpful by providing any information, but the answer was, we are investigating and will call you after investigation, which nobody called up to now. 
Here is copy of their email : External Transfer Request XXXX Update Dear XXXX, For security reasons, your external transfer request from Webster Bank, XXXX account to XXXX XXXXXXXX XXXX, Savings account has been stopped. 

Transfer Details dotted line Item # : XXXX Amount : {$40000.00} From : Webster Bank, XXXX XXXX To : XXXX XXXX XXXX, Savings XXXX dotted line As a policy, we need to review the transaction. Based on the results of that review, we will either cancel the transaction or the funds may take a little longer to reach the destination account. We will notify you of the status of the transaction by email. 

Thank you, Webster Bank

Company response to consumer: Closed with explanation