vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$20000.00}, XXXX XXXXXXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

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 1681 s-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 2023-05-09 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: NY

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. 

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 1681 s-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 explanation
Consumer complaint received 2023-05-09 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX  XXXX has violated my federally protected consumer rights to privacy and confidentiality, XXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX  XXXX has sold this alleged debt to XXXX XXXX XXXX XXXX I did not give written consent nor was I notified of this sale on this alleged debt..

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried Several times to Dispute inaccurate information with Experian which Experian doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Experian To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts 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 explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon, In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. 
Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. 
So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. 
But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. 
XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. 
My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. 
I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA. 

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXX to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXX should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.

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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP

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 2023-05-09 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: DISCOVER BANK
State: TX

Complaint narrative:
Sent to Discover/ No Response XXXX XXXX XXXX Vice President / Deputy General Counsel and Assistant Secretary Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL. XXXX RE : Conditional Acceptance of Payment Claim Discover Card ending in XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent reminder in which you claim that I am obliged to make a payment to Discover Financial for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Discover Financial Services for the provision of services and / or goods. 
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Discover Financial Services has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or timeframes. 
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. 
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. 
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. 

Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. 

I have made numerous payments to them using the negotiable instrument that they provide with the statement to no avail. They have also froze my credit and I am unable to use my card which is an interference in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2023-05-09 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: TX

Complaint narrative:
Experian or XXXX reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
i keep receiving phone calls from XXXX claiming to be ERC collections wanting me to pay about {$1200.00} for a phone bill from XXXXXXXX XXXX XXXX i have never had a account with XXXX XXXX XXXX and when i call XXXX XXXX XXXX they tell me that i do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hello, Please see below message that I sent to CREDIT COLLECTION SVCS and XXXX. Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Alleged Debt Amount or Balance : {$1300.00} Dear CREDIT COLLECTION SVCS and XXXX I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. cc : CFPB, po box 27170, Washington, DC 20038

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: CA

Complaint narrative:
I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP

Company response to consumer: Closed with explanation