vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: TrueAccord Corp.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violented my rights. 
15 USC 1681 Section 602 State I have the right to privacy.

15 USC 681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( SANTANDER CONSUMER USA ) ( Account # XXXX ) ( opened on XXXX XXXX ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( SANTANDER CONSUMER USA ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX acct # XXXX was closed on XX/XX/XXXX and reported monthly as closed by Consumer monthly but XXXX retaliated against me after XX/XX/XXXX by reporting my account as OPEN in violation of the Facially False Data safeguards set forth by XXXX XXXX Director of CFPB. In addition to many phone calls I wrote the attached secure message to XXXX on XXXX and XXXX responded on XXXX stating that my account was closed as of XX/XX/XXXX. Despite 20 plus phone calls, texts and other disputes, my Experian XXXX  account remains reported on the attached reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as OPEN before the Dispute investigation and OPEN after the non existent required investigation. Kindly disclose any documents and contacts regarding my efforts to get my account reported as closed. How could my closed account be reported as OPEN after reporting it as CLOSED for over 6 months? Experians own data documents monthly reporting my account as closed on XX/XX/XXXX so it has the data to resolve this matter without XXXX involvement. Delete my account permanently.

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 2023-03-23 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: TX

Complaint narrative:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: DC

Complaint narrative:
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! 
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( Security Credit Services ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Security Credit Services ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 

Thank You and I look forward to an instant resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: KY

Complaint narrative:
TransUnion has incorrect personal information on me. They have on file possibly two addresses that are not familiar or false. Also my current address is not on file. My full name is not on file and there may be a fraud alert from XXXX. This i had on file with XXXX but was able to correct without problems. TransUnion is not being as cooperative. TransUnion would not accommodate for my XXXX either. Instead they disconnected the call refusing to correct the information. I also needed to dispute two accounts falsely reported if still on file.

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 2023-03-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed information on my credit report and the CRA states they have verified the information. This particular account I was taken to court for and the judge ruled in my favor. I did submit a copy of the findings with my dispute. If the company can't prove in a court of law that I owe the debt then why is it allowed to be on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NJ

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX I paid a merchant {$18000.00} with my credit card, XX/XX/XXXX I sent in a payment to Chase to pay off that charge. I was notified XX/XX/XXXX that the charge on my credit card had been reversed when the vendor 's bank declined to accept my payment leaving me with a credit balance of {$18000.00} on my credit card. I called Chase and requested a refund of that {$18000.00} overpayment. I was told it would be sent in 7-10 days. On XX/XX/XXXX i called them to find out what happened to my refund and after 30 min on hold was reassured that it had not been processed but it would be processed and to wait 7-10 days for my refund. On XX/XX/XXXX i called again to find out why i still did not have my refund and was told I had not responded to some email they were to have sent to me, but admitted it was never sent and so they would now process that refund. It was not sent to me and so I called again and was told by a supervisor that the refund had been 'cancelled at customer 's request '' which was inaccurate - I had asked for an electronic transfer back to my bank, but that was never done and instead it was cancelled. I was then reassured it would be processed and i would receive a refund check mailed to my home in 7-10 days. on XX/XX/XXXX i still had not received my refund and filed a complaint on line with chase rather than calling them again and today - XX/XX/XXXX received my first email from chase saying they would refund my money ( suggesting to me that the 4 prior phone calls did not lead to any resolution or effort on chase 's part to refund my money despite me talking to 'XXXX  XXXX the supervisor. I was told by her they could not send me a refund to my bank and that it would have to be a check mailed to my home and it would take 7-10 days. Today the email from chase asked if i wanted it electronically returned to my bank and i set that up with the email portal. 
It is now XX/XX/XXXX, over a month since asking for my refunded overpayment and I think they have been fraudulently keeping my money without paying me any interest on that money which was mine not theirs. I have asked on 3 occasions for a call from a supervisor to escalate this issue but to date no one has contacted me. They are clearly trying to hold on to all the money they can and delaying refunds allowing them to make money on my money. this must be illegal. 
Please do something - all documents are in their possession, i have none

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: SC

Complaint narrative:
I did not owe this bill. I had health insurance, XXXX XXXX XXXX XXXX, at the time of service. this was just never billed to insurance and then put on my credit reports without my permission or knowledge. no one notified me of owing this. i did not give my permission to anyone other than the medical facility to give out my medcial records nor bills thus breaking my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have capital one 360 checking account and I never used my debit cards. In addition the debit cards are locked in safe box, it has no way for other people to steal my debit car numbers and security code. But in XX/XX/ around XXXX XXXX New York time my debit card was charged twice by XXXX for {$19.00} each. 

I immediately called Capital One and have them to replace my debit cards and I am waiting them to resolve this security issue. 

I strongly believe that Capital One 360 bank system is/was hacked. Please do your investigation. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NJ

Complaint narrative:
Experian continues to keep an address that is not and has never been mine on my credit report. I have attempted to dispute starting in XX/XX/XXXX and again via mail on XX/XX/XXXX, and after seeing it still not removed ( SINCE ITS NOT MY ADDRESS AND NEVER HAS BEEN ), i have attempted to use their online portal no less than 6 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) REMOVE THE XXXX ADDRESS ALREADY!!! ENCLOSED IS DOCUMENTS I'VE ALREADY PROVIDED TO YOU AS PROOF OF ADDRESS MULTIPLE TIMES ALREADY

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian keeps disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately. Experian has not.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. Experian has not.

According to 15 USC 1681- I have the right to privacy. Experian doesn't follow this law.

According to 15 USC 1681s-2 - 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. 

According to 15 USC 1666B - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( B ) Reporting information after notice and confirmation or 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. 

I can go on and on. 

Experian have no respect for the laws. 

Someone needs to hold them accountable for this. 

I added two attach letters I have sent to Experian over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. 

I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates
State: NY

Complaint narrative:
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests in XXXX. This debt is not valid and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Last year when I was check my credit score I realized that someone steals my information and opens a credit card since 2018. Then they spent XXXX dollars. I dont believe they have all my informations correctly, so how can they use un sufficient information to open a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit bureau refuses to remove credit line item for XXXX. Currently in legal remedy against XXXX as services never delivered and products not installed ; I didnt get the services! Extremely deceptive trade practices. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX Demand for Arbitration made

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 2023-03-23 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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