vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase a XXXX XXXX from an XXXX store. I believed the store to be trustworthy because it had over XXXX followers. I sent the seller {$110.00} through XXXX but was told that the funds did not go through and that I should send it through XXXX instead. I then sent {$120.00} through XXXX and was told again that it did not go through. This repeated a few times with them sending me information and even an authentic picture of their driver 's license with the promise that they would return the overpayments. In the end, I lost {$590.00} to the scam. I contacted Chase Bank on XX/XX/XXXX and attempted to reverse the payments but was told that only the XXXX payment could be refunded and that the {$480.00} in XXXX payments were irrecoverable. They said they would do an investigation but I have not heard back from them in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with fair credit Act account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
in accordance with fair credit Act account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This HARRIS & HARRIS account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX AND EQUIFAX CONTINUE FURNISH FALSE INACCURATE INFORMATION IN REGARDS TO INACCURATE ACCOUNT STATUS ON A COLLECTION ACCOUNT WHICH SHOULD BE CLOSED THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX I ALREADY INFORMED BOTH EQUIFAX AND XXXX OF THE INACCURACIES THEY CONTINUE TO IGNORE IT WHICH IS A VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

THE ACCOUNT STATUS IS INACCURATE SHOULD BE CLOSED OR REMOVED THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES CLEARLY NOT 100 PERCENT ACCURATE AS THE LAW STATES ALSO THE CREDIT BUREAS HAD THIS ACCOUNT CLOSED THEN SUDDENLY OPEN PROOF IN THE ATTACHMENTS AND NEVER TOLD ME I NEVER GAVE WRITTEN CONSENT OR AUTHORIZED ANYONE TO FURNISH ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Wrong name and address listed on my profile.

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Wrong name and address listed on my profile.

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Wrong name and address listed on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Accounts Service Team Inc.
State: TX

Complaint narrative:
I contacted my internet provider ( XXXX XXXX ) via email to cancel my service on XX/XX/XXXX. I had paid the bill for services from XX/XX/XXXX to XX/XX/XXXX. I then received a bill for services {$100.00} for service for the period of XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX and reported the error. Since I terminated service on XX/XX/XXXX, I felt that I did not owe for the XXXX to XXXX billing and did not pay for the XXXX invoice. They disagreed. They turned it over to a collection service : Financial Accounts Service Team XXXX Inc. When I received the first letter from them, I contacted them by phone that I was disputing the charges. They would not dismiss the charge. I have written 3 letters disputing this charge. XX/XX/XXXX- XX/XX/XXXX XXXX XXXX, XXXX. And they still will not take this charge off of my XXXX credit report. I disputed the charge with XXXX credit agency and with XXXX XXXX XXXX. XXXX credit agency accepted my dispute and removed it from my credit report. But XXXX will not remove it from credit report. Since I cancelled the service on XX/XX/XXXX I feel that I do not owe for services from XX/XX/XXXX to XX/XX/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 2022-05-30 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XX/XX/2022 : I checked my XXXX Credit Report and there is a new hard inquiry on the report from JP Morgan Chase Bank dated : XXXX XX/XX/2022 in which I did not provide my approval or have any awareness of. Im afraid my credit may be compromised or a company had illegally shared my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Greetings On XXXX XXXX, XXXX I purchased a gold coin from the XXXX XXXX online using my XXXX credit card. 
A package was delivered on XXXX XXXX, XXXX. I have a copy of the delivery verification from XXXX. However, when it was delivered the person ( my spouse ) who received the package claims that she did not sign for the package. She did receive the package though. The document that I have regarding the package does have a signature for the package but my spouse claims it is not her signature. 

The package remained unopened until I could set up an account with XXXX, a coin grading company. As soon as the XXXX account was established, I forwarded the package received from XXXX still unopened to them in Florida. Soon afterward I was contacted by a XXXX XXXX XXXX from XXXX ( XXXX ) informing me that the package I sent him was empty, there was no gold coin in the package sent from the XXXX XXXX. He verified this with photos and email contact. 

I was completely dumbfounded at this point. 

I contacted XXXXXXXX XXXX XXXX  to dispute the charge and apparently it was resolved quickly in XX/XX/XXXX in my favor though I don't remember receiving any confirmation of this. 

Within the past month now, XX/XX/XXXX, I have received notification from CBE Group regarding this episode claiming that I owe them {$3200.00}. as a debt to be paid. {$2400.00} for the coin and {$740.00} for administrative costs. 

I have contacted XXXX again regarding this manner over the past week and they claim that the dispute was resolved in XX/XX/XXXX in my favor. They also claim today that the XXXX XXXX admits fault regarding the transaction. They are sending me copies of the details ( I hope ) regarding the matter. It will take a few days to receive them. 

I have the option to dispute this transaction with CBE Group until XX/XX/XXXX. I do plan to do that but hope you can help guide me with options. Contacting anyone directly involves at least one hour of my time with any party involved; XXXX XXXX, XXXX, XXXX, CBE Group, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!

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 2022-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief