vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical Data Systems INC ( XXXX XXXX XXXX ) has charged me for a collection which I do not own and sold it to another debt collection agency and now have two of the same collection but different amounts and they have threatened judgment and that my credit would be damaged which is currently is being negatively affected as they keep adding random collection attempts on my account to permanently hurt my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite XXXX  numerous attempts to address the presence of fraudulent, XXXX, and XXXX  information on my XXXX  report, the issue remains XXXX. The inclusion of these items has profoundly impacted XXXX XXXX causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this XXXX  with XXXX XXXX, as XXXX XXXX fallen victim    to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
see attachment for full dispute RE : Federally Protected Consumer Complaint Count 1 : Negligent Noncompliance with FCRA 611 Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] 1. On XX/XX/2023, I received a credit report from Equifax ( Exhibit XXXX ). 
2. The credit report included the results of an investigation into disputed information. 
3. The investigation results indicated that XXXX XXXX XXXX  and XXXX XXXX were currently not reporting on the Equifax credit file ( Exhibit XXXX ). 
4. Furthermore, the investigation results stated that the XXXX account had been deleted from the credit file ( Exhibit XXXX ). 
5. It is pertinent to note that the XXXX account is furnished by THE XXXX XXXX XXXX XXXX 
6. Despite the conclusion of the investigation, these XXXX accounts have persistently remained on my credit file. 
7. Equifax is legally obligated under 15 U.S.C. 1681i ( a ) ( 5 ) to promptly delete this information from my consumer file following the reinvestigation of these accounts ( Exhibit XXXX, Exhibit XXXX ). 
8. Equifax 's failure to promptly delete these items constitutes a breach of its duty, resulting in significant harm to my credit report and credit score. 
9. Equifax is further liable for willful noncompliance with these regulations concerning each account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Please start a XXXX and prove that this XXXX  actually belongs to XXXX. 

XXXX XXXX XXXX I was never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX I was never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following XXXX  information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC

Complaint narrative:
I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX  refuse delete hard inquiry and wf crd svc refuse

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a checking account with JP Morgan Chase Bank. I sent two faxes to them asking that the following restrictions be added to my account : - No online banking. 
- No online electronic transfers out of my account - No debit cards. 
- No authorized persons to handle my account besides myself. 
- All changes are to be done inside the branch only, not by phone or otherwise. 
- No online access, this includes, but is not limited to, the Chase app and online banking is to be blocked at this time. 
- I am only to receive deposits via online transfer. 

I went into a branch on XXXX XXXX XXXX. I spoke to XXXX XXXX who called customer service to tell them these things, however, since then, I have not gotten any communication ( s ) from Chase bank in the mail to confirm my request. The email that I have provided is a temporary email and after this communication I can not be contacted this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear Discover, I would like my account reconsidered and to be re-opened and remain opened and my great relationship with Discover Bank to be re-opened and remain opened. 

Credit cards needing to be re-opened and remain opened : 1. Discover DiscoverIT Cash Back credit card ending in XXXX 2. Discover DiscoverIT Cash Back credit card ending in XXXX As a loyal Discover active member, I need my accounts to be opened. In the past 8 or so years I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers due to fraudulent charge ( s ) as someone gaining access to my account and me misplacing my wallet. It looks like that was resolved as they told me to fill a SSA form afterwards which I did in XXXX  and Discover confirmed its receipt but still closed my account in error. 

In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my account leading to someone closing my account in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get a new number due to fraud. I had not even gotten the chance to use my card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have {$10000.00} credit limit on this account ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use my credit cards. 

I was told to fill out an SSA form afterwards which I did in XXXX  and Discover said they received it but they closed my account due to error. 

I would like you to please reconsider the closure of my account and please re-open my card with a new number and send it overnight. 


I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Discover may want to ensure my security. 

I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Discover. 

Thank you for your time, understanding, and patience and thank you for re-opening my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently had a dispute opened with Synchrony Bank regarding a transaction for {$740.00} for services that were not described and rendered. However, despite all of my efforts and providing them with more than enough evidence this world 's worst bank was not able to resolve or fight the dispute with the merchant. Now they have posted the charge back in my account as I owe the balance, when they opened the dispute, they also took away the 2 % reward I got with the transaction. 
A XX/XX/2023 back I called Synchrony Bank and spoke with the Manager named : XXXX  and he told me that he has to submit the ticket to back office and I should be getting those rewards back within XXXX billing cycle. 
However today i.e. XX/XX/2023, I received a letter saying that Synchrony Financial is unable to redeem rewards points and I have to go to online and click redeem rewards points. 
Now this clearly shows how intelligent and awake their team is and No wonder why they didn't fight the dispute because they did not want to do any work. My inquiry was very simple If they want me to pay the balance for that transaction based on the credit card rewards term, they should also post back the 2 % rewards that they took away and they are telling me that how to redeem rewards, seriously? 
I called back again today XX/XX/2023 and spoke with another manager : XXXX and informed him the same after wasting another XXXX hours on the phone he sang same song that he has submitted the ticket and I will be getting the rewards in XXXX billing cycle. I also requested a call back from him Manager or direct supervisor and he told me that it is not guaranteed. 
At this point I am simply amazed how the XXXX this bank still exists and ruin the customers life every day.

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
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a XXXX XXXX done for a XXXX  with XXXX XXXX They did a horrible job not only was the XXXX  to bulky, twice the size of my original XXXX that was causing XXXX XXXX  and my XXXX wouldnt close properly for months. But there was also a whole in the XXXX work from it being too bulky trying to adjust it and have it fit properly. The dentist refused to redo the work, and I was forced to go to another XXXX. I have proof from other XXXX how poor the job was. My credit card company did not back me up in this, even though I had to redo the work, literally seven weeks after the procedure. I had just completed with XXXX XXXX. I disputed it this case was not properly handled nor the investigation was thoroughly done and no one reached out to me to let me know what was going on. I had to constantly reach out to them and then they finally just closed my case on XX/XX/XXXX saying three months has gone by. Improperly handled, and my case was completely mishandled

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
In XX/XX/XXXX I refinanced my XXXX XXXX XXXX. The original loan was through Stellantis Financial and it was refinanced through XXXX XXXX. On XXXX via priority USPS mail I sent a XXXX XXXX XXXX to Stellantis in the pay off amount of {$28000.00}. Per USPS tracking this was received by Stellantis in their XXXX, TX address on XXXX. ( see attachments ) This check was cashed by Stellantis and the funds were paid out on XXXX. ( see attachments ) However, Stellantis continues to send me late payments notices, late fee notices, and now a letter threatening vehicle repossession citing they have not received payment. I have contacted Stellantis via phone XXXX times. On XXXX I spoke with a manager, XXXX XXXX, and emailed her a copy of the cleared check which XXXX XXXX had provided me in an attempt to help remedy this. XXXX XXXX confirmed receipt, said she would look into it and I would be contacted in XXXX  business days. ( see attachments ) Stellatis never contacted me except via an automated text to alert me my payment was due. On XXXX XXXX, a XXXX XXXX representative, contacted Stellantis with me on the line via a XXXX call to further certify they had paid out these funds to Stellantis and to obtain proof of ownership or vehicle title reflecting XXXX XXXX  as the first lien holder per the refinancing agreement. Over a XXXX XXXX XXXX XXXX XXXX time span, the XXXX XXXX Representative and I were transferred to XXXX different people with no one providing any remedy. Again the cleared check was requested and emailed to XXXX XXXX who confirmed receipt. The only explanation given was that the check was cashed but not processed because they ( Stellantis ) are having problems on their end with their payment processing and their payment processing team is behind with " a long queue '' of payments. I was told I needed to be patient as " first come, first served. '' Supposedly there have been XXXX payment researches opened on my behalf. Meanwhile I continue to receive calls, texts, and letters about missed payments and late fees. On XXXX I received a letter from Stellantis threatening repossession if they do not receive their funds by XXXX. ( see attachments ) They have received these funds and cashed them via the company 's XXXX XXXX account. I can provide this account number as it is indicated on the back of the cleared check ( see attachments ). The back of this cleared check also indicates the po box the check was sent to, the same address I sent payment to on XXXX via USPS certified mail as stated previously ( see attachments ). I am also prepared to furnish any phone records to show how many times I've attempted to contact Stellantis in regards to 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I've been looking at info on my credit reports and noticed Credit Acceptance reporting late payments on an account that is just not true. This company has reported payments being 30 days late for XXXX of 2023 and this is not the case. I am arguing that Credit Acceptance had no legal right to report this information and it is not accurate at all. Under 15 USC 1681a ( 2 ) ( A ) ( i ) the consumer report does not include information solely as to the transactions or experiences between the consumer and the person making the report. Credit acceptance is violating my consumer rights on so many levels. I have also filed complaints against the agencies reporting this info for not validating that it is accurate before reporting it on my consumer file and damaging my credit.

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