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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Professional Finance Company 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 Professional Finance Company.

Professional Finance Company 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 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: Improper use of your report — Reporting company used your report improperly
Company: Professional Finance Company, 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 Professional Finance Company 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 XXXX XXXX. 
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 Professional Finance Company.

Professional Finance Company 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 public response: Company believes it acted appropriately as authorized by contract or law
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: MS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.

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: 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: PA

Complaint narrative:
You are being unfair and inequitable! I have received and reviewed a copy of my updated credit report and to my surprise you are still reporting an error and mistake. I am a little bit worried because as you are furnishing this information on my credit report I am also struggling to open a new line of credit. Im quite surprised as you are reporting this information because in the first place I have never given anyone from your company to furnish this information on my credit report.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Ok so i purchased a policy through all state, they were to contact my mortgage company in order to receive payment as we are not allow to make the payment directly or it will be refunded and still have to go through mortgage, I didn't receive any contact from insurance company, i was the one who contacted them when i notice collection on my credit report, so i contacted the collection company and they told me to my surprise that it was because of my insurance. I then contacted my insurance rep where he inform me it was done in error and he would pay to get it resolved as he had a XXXX and his assist never followed up with my mortgage company. I should not have to have this affect my credit when the actual insurance company didn't follow thru, i asked that this be removed from my credit report asap Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: DC

Complaint narrative:
On XXXX XX/XX/2023 RFGI ( Rozlin Financial Group, Inc. ) Collections emailed me claiming that I have a past due balance of {$120.00} for an XXXX account. 

To the best of my knowledge and records, I have never opened an XXXX account nor held an XXXX account. 

I responded to RFGI 's email on the same day ( XXXX XX/XX/2023 ) telling them they were in error, that no such account exists or existed, and that further efforts to collect on this fraudulent claim may be considered in bad-faith and result in appropriate legal action. 

On XXXX XX/XX/2023, RFGI Collections emailed me again, still claiming that I have a past due balance of {$120.00} for an XXXX account. 

Neither email listed a contact phone number, so I looked them up on XXXX and called them directly at ( XXXX ) XXXX. They refused to give me information unless I gave them my name. Wary that this might be a phishing scam, I refused and offered instead to give them my email address which they used sent the alleged notice to. They refused to look up the issue with that information. 

I then hung up and responded to the email demanding that they verify the debt in accordance with 18 USC sec. 1692g ( b ).

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

Complaint narrative:
This is the last time I will dispute this. Next I will be suing. This is not my debt. I have NEVER been in possession of a vehicle that had liberty mutual. No traces from the department of motor vehicles or tax offices in XXXX XXXX XXXX stating I owned, leased or rented a vehicle or home with them. The is complete fraud. At this time you are intentionally harming my credit and I am owed compensation at this point. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have XXXX store credit cards with Synchrony Bank. Due to financial hardship I enrolled in payment plans for all of them. 

The payment amounts and dates due for the payment plan are unclear. Although the website shows the correct amounts for each payment plan, there is no due date listed for the payment plan. 

Instead, the account screens for each card shows information on the original payment date and past due amounts ( before enrollment in the hardship plan ) so I am confused about which amount to pay and when. 

Plus I could swear that when I signed up I requested XXXX of them be enrolled in AutoPay and I have had to pay manually. 

Additionally, I had XXXX other account with Synchrony ( for Amazon ) where I overpaid because the terms were unclear as I said above. I was concerned I was going to miss a payment so accidentally overpaid. 

Additionally, I receive multiple reminder emails per week for each account that a payment is coming due ( again no due date is mentioned ) ... this is incessant and unnecessary.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Someone hacked into my PayPal account and paid themselves XXXX  times the same amount of {$190.00}. I immediately contacted PayPal to dispute these transactions. They came out of a closed checking account of a bank in XXXX that's been closed for well over XXXX  years. I have opened numerous disputes with PayPal over these transactions. They are telling me there's nothing they can do because it's personal payments and not transactions. My PayPal account is negative {$1300.00} due to these fraudulent payments. How can they pay someone out of a closed checking account? So in order for my PayPal to be current, they want me to deposit back the {$1300.00}!!! I've called them several times and they don't understand what I am saying to them and are telling me that I made these payments. I haven't used XXXX XXXX  in well over XXXX  years. I have strictly used my XXXX XXXX account which they can see all of these transactions over the years. You would think that XXXX payments to the same person would set off a red flag. Btw, they are in XXXX!!! Please help!!

Company response to consumer: Closed with explanation
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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was purchasing tickets from XXXX and did not notice that the website changed to XXXX. I immediately called and emailed XXXX to cancel the transaction. I was informed that there is no cancellation policy. I emailed immediately and received no response. 

I was charged {$310.00} for tickets on XX/XX/XXXX( Twice the amount of XXXX XXXX ) and HAVE NOT received the tickets. 

I filed the claim with chase credit card to not pay and they denied this claim stating the merchant has no record of cancellation. 

They did not email or call me back to allow a cancellation and they also did not provide me with the merchandise that they charged {$310.00} for. I have NO TICKETS and they did not reply or response to my immediate cancellation. I filed a claim with Chase Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I was contacted by Sequium Asset Solutions seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached XXXX letter. I have spoken with the Sequium Asset Solutions representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the Summer of XXXX  and that we have the payment confirmation receipts to prove it. I was instructed by Sequium Asset Solutions representative to submit the proof of payment information via email address XXXX for the Sequium Asset Solutions review. I have submitted the same proof of payment information receipts as I am attaching to this complaint to the Sequium Asset Solutions using the email address provided. After not hearing anything back from Sequium Asset Solutions I have contacted them again on XX/XX/XXXX and was told by Sequium Asset Solutions representative that no information about the case could be provided at this point. I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To Whom it May Concern : I am disputing XXXX XXXX gross neglect and failure to notify their client of mortgage payment more than 30 days past due. I paid the XX/XX/2023 mortgage. What XXXX XXXX did not do was notify me that the payment was reversed. Yes, there is a letter showing in " my documents ''. That letter was not sent to me. It would be unrealistic for a client to log into their system every day to verify a clearing of payment. They stated they called ; however, there was no call. They cant even provide a date and time of the call. If in fact the call was not answered, why did they not leave a message? During one of my conversations with them the asked if I wanted to opt into text alerts. I have never been offered this messaging system. 

When looking at XXXX XXXX documents section of their client login, it shows the reverse payment letter dated XX/XX/2023. I received that letter on XX/XX/2023 ( well past the XXXX due date ). Had I received the letter timely or received any other notice, I would have promptly corrected the issue which I did. I will say again, XXXX XXXX did not notify me appropriately as their documentation states. I have always paid all my debts on time. 

Timely payment was made for the XX/XX/2023 invoice to be paid in XXXX. I logged in and made a payment. No error was listed. No notification of a reverse payment. I received my XXXX invoice for XXXX payment. That invoice indicated there was a {$0.00} past due amount. I paid my XXXX payment as usual. I was on military orders away from home most of XXXX, so when I returned home early XXXX, I saw the XXXX statement with a XXXX amount reflecting a past due amount. I immediately called XXXX XXXX and made the payment promptly. 

XXXX XXXX did not support their client. I strongly believe their resistance to correcting this issue stems from my many issues with this company. They did not pay my mortgage insurance from my escrow following three notices from the insurance company. I have been open with my concerns with this company on social media. I ask that you consider their XXXX  rating. This company does not take care of their clients. They failed me as a loyal client. They failed me as a XXXX. 
I ask that my credit report not reflect the derogatory issue of being more than XXXX  days late on a payment. 

Respectfully submitted, XXXX XXXX

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

Complaint narrative:
I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX  XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: OR

Complaint narrative:
got a notification on my credit report that my score went down a lot. checking into it found out that someone has rented an apartment using my information and ran up a bill of {$5200.00}. now a collection agency Rentsolutions account # XXXX has my account. 
I have had identity theft in the past and have cleared it up but this one i have desputed and they will not change it or clear it for some reason. The address is XXXX XXXX XXXX XXXX XXXX la XXXX i have never rented anything in louisiana nor been there. 
i have filed a police report, sent copies of my address plus copy of bills with my adress, copy of my drivers license and a police report number XXXX to XXXX who sent to rentrecoverysolutions to dispute they said nothing changed and it was my bill police report at XXXX oregon police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your urgent assistance in overturning a denied claim that I recently filed with Wells Fargo. As a consumer, I believe in the importance of accountability and fair treatment, and I am reaching out to you for guidance and intervention in this matter of utmost importance. 

Allow me to provide some background information on the situation. On XXXX, I filed a claim with Wells Fargo regarding fraudulent charges. I carefully followed all necessary procedures, submitted the required documentation, and provided a detailed account of the circumstances surrounding my claim. However, despite my sincere belief in the validity of my claim, I received notice from Wells Fargo on XXXX XXXX stating that my claim has been denied. 

This denial has left me feeling frustrated and helpless, as it directly impacts my financial well-being and undermines my trust in the consumer protection measures set in place. Recognizing the importance of accountability and justice, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance and guidance in overturning this denied claim. 

I firmly believe that the CFPB has the expertise and authority to objectively assess the matter and ensure that justice prevails. I kindly request your intervention to thoroughly review my claim, examine the evidence provided, and assess the actions and decision made by Wells Fargo. In doing so, I am optimistic that the CFPB can help overturn the denial, providing me with the rightful resolution I deserve. 

Enclosed with this letter, you will find all relevant documents supporting my claim, including correspondence, receipts, and any other pertinent information. I trust that these materials will assist in your review and evaluation of my case. 

Moreover, I kindly request regular updates on the progress of my case and any actions taken by the CFPB in response to my request. Please feel free to reach out to me at XXXX or XXXX if additional information or clarification is required. 

I am immensely grateful for your attention to this matter and your ongoing commitment to protecting consumers ' rights. I firmly believe in the mission of the CFPB and trust that, with your intervention, justice will ultimately be served. I eagerly await your response and the resolution of my claim. 

Thank you for your time and consideration.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paysend US LLC
State: NY

Complaint narrative:
On XX/XX/2023. I saw this company called paysend on XXXX to send money to my foreign bank account. I always use a company called XXXX. Paysend was offering a better rate so I said let me give them a try. I never recieved the money in my foreign bank account. I send paysend numerous email with reciepts of my bank statements of my foreign bank account money was never recieved. They gave me a reciept that was fraudulent. I called my bank in XXXX XXXX they never recieved the money. The receipt paysend provided was no good. Even the contact person number they provided number was not working. Its a number of a person in another country. I have sent numerous emails with no resolution just that it was given to a different department. I have provided the reciept of paysend and my foreign bank account. The receipt paysend gave me that said my funds was deposited. This company should be banned from doing service in the United States.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
there is inaccurate information on my credit report that is not associated with my identity, nor is there a contract associated with my identity XXXX XXXX XXXX XXXX XXXX. I am unfamiliar with this company and the reported loan on my credit report. Please correct this issue!

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