vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Unknown Collection Medical Debt : MCA Management CO Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is continuously reporting a inaccurate bankruptcy/accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX XXXX XXXX WITH A BALANCE OF {$29000.00} is INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/year> I sent Transunion a dispute letter containing specific information regarding the inaccurate reporting on my consumer report. Instead of completing an investigation in accordance with 15 U.S.C. 1681i ( a ), Transunion replied to my dispute with file # XXXX refusing to honor my request suggesting my dispute came from a third party despite the dispute included a copy of my driver 's license and social secuirty card. However the Credit Repair Organization acts allows consumers to utilize a credit repair service it they choose and Transunion is obligated under the FCRA to inititate an investigation. Transunion has willfully and negligently failed to honor my request and should be held liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: VA

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 XXXX XXXXXXXX, 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 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
I received my first statement from the hospital in XX/XX/XXXX, and I called them in XX/XX/XXXX to request an itemized bill -- I didn't receive the bill until XX/XX/XXXX, but the collection company has been calling daily starting on XX/XX/XXXX ( almost XXXX weeks before I received the bill ). I mailed the collection company a dispute of the debt and a request to cease calling me on XX/XX/XXXX, which they have ignored ; they continue to call me daily. I will be paying the debt with the original creditor -- I do not want to have any contact with the collection company, nor should this be on my credit report. I've been in regular contact with the original creditor in good faith, and I want this collection company to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc
State: TX

Complaint narrative:
Bright Money charged my banking account without prior authorization or my consent, and has been doing this scheme to many other users. On XX/XX/XXXX Bright Money did not receive authorization and charged my account for {$39.00} USD for a membership that was not authorized or consented to, as the last time that I used Bright Money was XX/XX/XXXX in hopes to start building credit. 
They ask for your banking details and then eventually put you on an automatic membership and steal users money from their accounts without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Absolute Resolutions Corp.
State: AL

Complaint narrative:
I dispute the collection through all three credit bureaus. Each time the account came back verified and accurate. Sent two separate validation requests of the debt there was never no response nor resolution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knights adjustment here is additional affidavits which the police department instructed me to file and for the past few years, XXXX XXXX fraud prevention manager from XXXX emails communications have all been saved. He received all police reports several years ago. Im currently waiting a law firm that will handle my case against XXXX. As I need years of damages to my credit, pain and suffering and loss of business income for the last 10 years and this judgement to be vacated in the near future. The debt is incurring interest monthly and I refusing to negotiate on paying for fraudulent charges. The only debt I owe is for an XXXX overdrawn checking in the amount of {$610.00}. And the remaining balance on a vehicle which there is a current breach of agreement that XXXX hasnt honored from their written agreement Im waiting to be corrected. 

I am not able to do any settlement until the fraud charges are removed, vacated by a judge or settled directly with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

LOBEL FINANCIAL SERVICES ACCOUN WITH A BALANCE OF {$29000.00} is INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America master card ending in XXXX and XXXX were both closed by the bank because they said I had too high balances on my other credit cards as they must have viewed on my consumer credit reports. HOWEVER, this was just a temporary situation where I used a lot of my credit and have already paid almost all of it off. If the bank would just wait a month and run my consumer credit again they would see that I have paid off almost all of my balances, which demonstrates financial STRENGTH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
the XXXX XXXX XXXXXXXX relied on deceptive advertising to attract students, falsely claiming to work with employers such as XXXX, XXXX, XXXX, and XXXX to create job opportunities for XXXX XXXX XXXXXXXX students and tailoring its curriculum for the job needs of such companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX Wells Fargo card is used for rent and apple only but it keeps getting fraudulent charges. This has happened multiple times over a year timespan. 

This card is only used for rent and XXXX. However, fraud keeps happening. Reading other reviews online shows that there is a clear data leak. 

Additionally, some agents ask for sensitive information that seems unnecessary over the phone, while others do not ask for the same amount of detail. It is concerning that different agents would require different amounts of verification. Details requested when calling in : 1. Security code 2. address 3. last 4 of card 4. last 4 of SSN 5. Mother maiden name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I opened my account on Coinbase and got a payment from a gambling site. I transferred my money to their base site and they immedietly locked my account. Then they asked for some documents and information which I provided and for a month they haven't done anything!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: FL

Complaint narrative:
I received bills from XXXX XXXX for {$520.00}. I have never order anything from them. I tried to call to dispute, but I could never get them on the phone. Now I've received a call from a debt collection agency, Revco Solutions at XXXX, that I owe this money. Revco said that this was for shoes that were ordered. Revco said that they can't remove the charges due to fraud and I had to call XXXX XXXX who reported it. 

I called XXXX XXXX, XXXX, to report this as fraud. 
XXXX XXXX and told me that I have to call the Debt collector to report this as fraud and gave me XXXX to call for the Debt collector. This phone number automated system asked me my age and tried to sell me on a product I don't need. XXXX XXXX did tell me that this order was for four bottles of XXXX XXXX and it was shipped to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I live in Florida and am far to old to wear cologne, let alone one that sells for that much a bottle..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
Account in question : Genesis Credit OGDL25 Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency has violated my consumer rights by using false and misleading misrepresentation and deceptive means.

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I sent a letter to the creditor asking for documentation on the debt and received nothing in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Account In question : Con Col mgmn XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXXXXXX XXXX  at the XXXX FL they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: Experian Information Solutions Inc.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am requesting to dispute an account on my credit report that has not been removed despite multiple requests. The account in question is listed as STATECU account # XXXX, and it is negatively impacting my credit score. I have made several attempts to rectify this matter by contacting both the credit bureaus and the creditor responsible for reporting this information. Despite my efforts, the account remains on my credit report, which is unfair and inaccurate. 
I would like to emphasize that this account is erroneous and does not belong on my credit report. I have provided evidence to support my claim and have followed all necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing the validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
The amount {$620.00} They said the account was opened on XX/XX/2024 ( XXXX mos ) Status is Open Company Name is XXXX Charter Communications Placed for collection this account is not mine I never did business with this company in my life I would really appreciate if this was removed, How is it possible for someone to run my credit without consent and that's exactly is what happened I would appreciate. I have not applied for anything in over 4 months. This fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief