vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Upon reviewing my credit files, I, the consumer noticed that Medical Data Systems furnished an alleged debt to consumer reporting agencies. I never provided written consent for Medical Data Systems to communicate with me which is a violation to my consumer 's right to privacy pursuant to Title 15 U.S.C. 1681. Medical Data Systems is also in violation 15 U.S.C. 1681 ( a ) 3 Restriction on Sharing Of Medical Information. Medical Data Systems willfully violated 15 U.S.C 1692b Acquisition of Location Information, 1692c ( A ) Communication in connection with debt collection, 1692d Harassment or abuse, 1692e False or misleading representations, 1692f Unfair practices, 1692g ( A ) Validation of debts, 1692j Furnishing certain deceptive forms.

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 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I.C SYSTEM, INC Debt Collector Company that Reported on my Credit claiming that I owe them {$360.00}. They have never given me any service or my Creditor and I did not give them permission to report on my Credit Report. I disputed it Through XXXX on XX/XX/2021, on XX/XX/2021 they said the account has been verified as accurate. I.C SYSTEM, INC ( debt collector ) is not apart of XXXX XXXX XXXX XXXX ( creditor ), just because you receives an assignment or transfer of a alleged debt does not make them a Creditor according under 15 USC 1692a. When the Debt is Being Disputed under 15 USC 1692g ( 4 ), verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. XXXX did not show the Verification and I.C. SYSTEM, INC has not mailed the Verification. It's said that the Creditor Bureau 's doesn't follow or know the FEDERAL Debt Collection Practice Act 15 USC 1692

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 2021-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pinebrook Holdings, LLC
State: UT

Complaint narrative:
My private and personal debt information was given to a 3rd party who had no legal reason to obtain this information.. My information was illegally disclosed in detail regarding the type of complaint, the amount of complaints and the nature of the complaints. Nothing was confirmed and all my private information was released to an unauthorized party. XXXX from XXXX XXXX contacted me, my employer, my wife and my brother. The employment was verified, my wife didnt answer the call and my brother was the 3rd party to whom this information was illegally disclosed. My brother does not represent me, my finances nor does he have any legal representation to be given details about my personal matters. This company states that they record all conversations for quality porpoises. I would like them to provide this recording and stop these illegal practices. I am seeking legal counsel to address these illegal activities as they violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$2100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Second complaint I submitted a compleint against NEWREZ for refinancing an existing loan back on XXXX XXXX. 
Mr XXXX XXXX contacted me a few days after, asking if I would like to continue with the loan or to get my {$650.00} for under, money I paid up front. I told Mr. XXXX if it was possible I would like to continue with the loan process, so we continued with the loan process, same problems occurred Mr XXXX again started asking to send him the same documents over and over again that I have sent to him. 
I been sending documents since XX/XX/2020 when we initially started the refinance. 
After a week or so when by and someone else would contact me asking for the same documents again, I would sent documents to this other person ( I have proof of this e-mails ) again another week would go by and someone else would ask me for the same documents. I felt like they were just playing games passing my folder to different people and not processing my loan. 
I provided all the documents requested by NEWREZ several times to Mr XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and nothing has been done, I got tire of sending email and documents over and over. 
The last email I sent was to request my {$650.00} refund on XXXX XXXX it is now XXXX and I have not yet received anything, at this point I would like just to get my money back. 
Thank you in advance for your time and help for this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX date XX/XX/XXXX and XXXX XX/XX/XXXX first XXXX plus $ and second was XXXX plus $ ive reached to you all before back when this first occured but i since havent gotten my money back ive closed the accounts 3 or 4 times and they keep reopening it so im going at it again to get my money back Im having issues with chime bank theyre legally withholding funds from me they overcharged me for their chime credit builder account back in XXXX Ive called countless times when I called them they send me through loops and circles when I ask for a supervisor they place me on hold for 30-45 mins every time then they come back and they either make their voices deeper pertaining to be someone else or just transfer me they wrote the payments off as adjustments then sent out an email about their systems having issues about it and when I went on there XXXX and XXXX commented about it I noticed tons of comments of others having the same issue and nothing is being done ive saved all my chats and emails from them and Im just wanting my money back theyve taking over XXXX dollars from me I need truly need some help getting these funds returned to me. Can you please assist? My account is under XXXX XXXX I can provide all documents and anything else needed. ( Ive uploaded the documents on my last case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TX

Complaint narrative:
I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXXXXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Thus company continues to report on my credit report every week which has caused serious issues and damages to my military record and credit score. This company was notified several times and still continues reporting fraudulent debt. Once I filed this complaint the threatened to destroy my credit and began reporting the fraudulent debt every week. Pls see attached proof as a direct result my credit score has dropped 69 points.

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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-24 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NC

Complaint narrative:
I called Experian XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. The agent also refused to remove adverse information and reports that I never provided written instructions for Experian to furnish to my consumer file pursuant to USC 15 1681b. Experian willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of Medical Information. I asked the agent if Experian had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for Experian to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.

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 2021-06-24 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: NC

Complaint narrative:
I have been calling and calling Transunion explaining that the account from XXXX XXXX XXXX does not belong to me. I have never done any type of business with them and have no clue how they got access to my information. Please delete this account and the inquires on the identity theft report. Someone has accessed my personal information and keep trying to open accounts and I don't understand how.

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 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After complaining this company has destroyed my credit by reporting fraudulent debt and as a direct result my ability to gain employment and healthy credit has been destroyed ; they have began reporting this fraudulent debt every week and or biweekly knowing the debt is NOT mine. They continue to re-age the debt. The original creditors agreed to remove this debt due to identity thief over ten years ago but sold it after charging it off. This is NOT my debt. Please see proof of their tactics used to destroy my credit my score has dropped 80 points as a direct result of this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. The late payment was still showing after its status was closed. Also, you failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.

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 2021-06-24 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: TX

Complaint narrative:
Over thirty days ago, I wrote to each credit reporting agency XXXX TransUnion, XXXX, & XXXX  XXXX indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 TransUnion, XXXX, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, TransUnion, XXXX  , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from TransUnion, XXXX, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely. they have to follow the FCRA LAWS!

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 2021-06-24 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: NC

Complaint narrative:
I called TransUnion XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. I then requested a supervisor. The supervisor also refused to remove adverse information and reports that I never provided written instructions for TransUnion to furnish to my consumer file pursuant to USC 15 1681b. TransUnion willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of XXXX XXXX. I asked the supervisor if TransUnion had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for TransUnion to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.

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 2021-06-24 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: Chime Financial Inc
State: IL

Complaint narrative:
I closed my chime account in XXXX and have tried disputing it 3 times with XXXX. Unfortunately theyre not removing the chime account. Instead they removed my current credit card by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I closed my XXXX  account in XXXX and have tried disputing it 3 times with Experian. Unfortunately theyre not removing the XXXX  account. Instead they removed my current credit card by 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 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
Victim of identity theft I havent lived in Louisiana in over 10 years

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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened a {$2000.00} CD with Bank of America on XX/XX/XXXX to secure an XXXX  XXXX Visa XXXX credit card. The credit card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Ever since I closed the credit card, I have contacted Bank of America customer service over the phone on multiple occasions to close and release the CD as I no longer need to have it since the card it was securing has been closed. However, customer service insists that I am unable to close it since Bank of America 's business card department has not yet released the hold.

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 monetary relief