vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: AZ

Complaint narrative:
This company appears to be 're-aging ' debts. I asked for proof of ownership of this debt and to validate the amount owed and date of delinquency when I spoke with XXXX on or around XXXX XXXX  XX/XX/XXXX of XXXX. I was told I would receive proof within 72 hours but had to follow up for them to respond. After follow up, I was provided by XXXX XXXX XXXX at Mountain Run ) only old invoices, with no documentation of payments or that they owned the rights to this debt. 

I attempted to clarify with the company as to why they felt they had the right to collect, however the response was something along the lines of 'I just work in the documents department. ' This fell off of my report shortly after, so I assumed they understood their error and failure to comply with proper debt collection practices. 

The debt involved is related to alarm service at a home I have not owned since XX/XX/XXXX. The last payment I made for alarm service would have been prior to that. I never transferred new service, made additional payments, or spoke to anyone about this in the time since. 

Despite the debt being too old to be reported, and question as to whether this party has the right to collect this debt, I was surprised to see this on a XXXX report for XXXX reported on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
In the amount of XXXX To Whom It May Concern, In reference to the above-listed account, I am requesting that your company delete the derogatory account due to violations of the Fair Credit Reporting Act ( " FCRA '' ), the Health Insurance Portability and Accountability Act ( " HIPAA '' ), et seq. See. Reference Above WHAT YOU NEED TO KNOW The Privacy Rule generally requires that medical information that is used by a medical provider or its business associate should be limited to the minimum amount necessary for the purpose of the use or disclosure. 
My private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This unauthorized dissemination of private health care information has been, and continues to be of great detriment to my welfare, and is a violation of the HIPAA privacy rules.

The HIPAA-covered entity ( health care provider ) and/or its business associate and/or collection agency did NOT provide me a HIPPA release that releases my personal health care information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights There is NO balance due on this account. 
5.

6. 
There is NO permitted business purpose under the HIPAA privacy rules.

The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the XXXX, SEC. XXXX ( XXXX ) BREACH OF SECURITY. -The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX  of XXXX ( HITCH Act  ) as issued XX/XX/XXXX. 
10. Additionally your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section XXXX of the XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
I am not aware of this debt. This company has not proven that this debt is in fact mine and just placed on my credit report without proof. Also it is a XXXX violation. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

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 XXXX XXXX XXXX. 

Creditors Bureau Associates : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-10-24 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX Department of Education : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency may make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I haven't had a new purchase in XXXX months. On XX/XX/2022, I received a statement that I ower {$180.00} on a balance of {$0.00}. I called customer service and they agreed to retract the balance. On XX/XX/2022, I received another statement that I owed a balance of {$370.00}. I am incredibly frustrated with Bread Financial. This is the second claim I've opened with CFPB and I hope that the Bureau opens a serious investigation into this financial organization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems
State: NC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have reached out to a furnisher that goes by Financial Data Systems to dispute incorrect information on my credit report. As a result, several accounts were deleted but they refused to delete the last 3 accounts. I've asked for documents to show where and when this happened, any applications with my signature and invoice totals. The invoice totals does not match the delinquency on my XXXX credit report, nor is it reporting on the other two bureaus ( XXXX and XXXX ). As a result, this fraudulent charge is hindering my credit from things such as mortgages or getting qualified for credit cards. I have also explained to this furnisher that it is a violation to share any type of medical information without my consent, unless it is to a different medical facility that requires further treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NV

Complaint narrative:
You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-24 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: Dyck-O'Neal, Inc.
State: AL

Complaint narrative:
Inaccurate reporting stated that the account is OPEN but listed as a Collection/Charge-Off. Reporting that the account was opened on XX/XX/2018 and that is false. I haven't opened an account with this company ever. Also stated on the report that there is a monthly payment due which is also inaccurate for a collection/charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022, I got scam on XXXX XXXX. I sold an airfryer for the amt of {$150.00} in XXXX. A scammer asked that he wanted to make the payment thru XXXX payment app and had his wife to pickup the item. I agreed the payment method and provided him my email address. He told me he sent in {$150.00} thru XXXX, however a business account for the amt of {$500.00} was needed to be created in order to release the fund to my account. He told me to read an email from XXXX XXXX  ( XXXX ) and sent in an additional {$350.00} and it was refundable. At that time, I didn't realize it was a scam email and I followed the scammer 's instruction to send an add'l {$350.00} to XXXX Later on, they said they couldn't send me the fund due to their min limit of {$800.00} in their account. They asked that I send an add'l {$300.00} to them in order for them to release the fund. However due to Chase bank daily limit, I only allowed to send {$500.00} max per day. I told them I could only send in {$150.00}. They said it was ok. I followed instructions and sent them {$150.00}. For the remain {$150.00}, they asked that I sent in Gift card or pay thru other payment app. From then on, I called XXXX customer services and told them the situation. XXXX customer service told me that it was not their email address. So that I noticed it was a scam. The next day, I went to the police department to report this issue and had a write up police report. 
In conclusion, I lost 2 XXXX payments, one for {$350.00} and one for {$150.00}. Total to {$500.00} being scam ( see attached chase statement ). I contact JP Morgan chase bank to request a dispute and request for reimbursement. They did research my account and stating could not recover my fund back. I am hoping the gov't would help me settle this issue. I really appreciated if I can recover the lost fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
This is regarding an existing issue with transunion and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper XXXX XXXX format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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