vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: VA

Complaint narrative:
To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX 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 2023-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 2023-08-22 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: OK

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 2023-08-22 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: GA

Complaint narrative:
There are numerous credit inquiries on my report for which do not belong to me or have my approval. These inquiries need to be removed.

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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
My identity was used with XXXX and I have been receiving collection notices from them and now Convergent ( debt collector ) to collect a balance owed on the fraudulent account. The account number with XXXX was XXXX and opened in Illinois. I currently reside in NJ and have done so for the near entirety of my life. The e-mail address they used was XXXX, which is not my e-mail address. I'd like for this to be removed from my credit report so that it doesn't continue to harm my credit score.

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 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I was contacted on XX/XX/XXXX I received a phone call from Chapman Financial services. The caller did not identify that the debt they were attempting to collect was for medical debt. The caller was rude and badgering asking why I don't pay my debts. The caller then inquired about my wife 's alleged debt. I asked to communicate via email to have a clear record. I sent Chapman 3 emails ( XXXX, XXXX, and XX/XX/XXXX ) requesting they verify the debt and giving notice the debt was disputed. On XX/XX/XXXX I received a letter from Chapmans attorney that gave account numbers the name of the hospital and amounts as follows : {$810.00}, {$1200.00}, {$1400.00}, {$270.00}, {$210.00}, {$700.00}, {$1600.00}, {$1300.00}. The letter failed to meet the requirements of RCW 19.86 and RCW 19.16. while also inferring the collector would get a judgement against me. On XX/XX/XXXX I received a summons as the debt collector had filed a law suite . This collector never attempted to settle the debt and instead rushed to court. The attached letter was the only communication other than the harassing call I recieved from Chapman Financial Services, a dicvision of MST Financial Solutions

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 2023-08-22 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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 2023-08-22 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
Creditor filed for garnishment on XX/XX/23, per court records, without sending me a required 15 day notice to pay to avoid garnishment. This is not legal. 

I only found out about the garnishment because I checked court records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: PA

Complaint narrative:
The companies listed in this complaint are indeed financial institutions defined under Federal LAW which they should know.

Title 15 USC 6802 6803, 6804 The Gramm-Leach -Billey Act ( GLBA ).

Congress wrote into LAW Financial Institutions MUST provide federally protected consumers like myself a NOTICE giving me the right to OPT -OUT of credit reporting and they DID NOT.

The Law also states that they can not transport My non public personal information without my CONSENT/ PERMISSION! And if they do then this is ID Theft!!!!! 

Additionally, these 2 companies continue to illegally VERIFY with your consumer reporting agency when my dispute is based Solely upon information that they are illegally reporting when Federal Law says they must provide NOTICE before reporting my PRIVATE information. 

How can these companies report then ILLEGALLY verify information that shuld not be reporting on my consumer reports in the first place? 

Delete these accounts : 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 never did business or signed any contracts, notices. They have NO right to report my NON PUBLIC PERSONAL INFORMATION.

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 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a letter in the mail from Credit Collection Services ( XXXX, MA ) stating that I owed a debt to XXXX XXXX. It did not list the date of service or the patient name. I logged into my XXXX account and found that I had a {$0.00} balance. 

I called the number on the letter from CCS and told them I disputed the debt and wanted a detailed written statement of the charges. The person on the phone told me they were not required to provide that and the primary care provider has already sent that to me. I told them I had received no such notice and was reiterating my request for a detailed written statement of the disputed charges. They again said they did not provide that and told me they noted my account was disputed and asked if they could do anything else for me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I made a payment through my credit unions bill pay service ( XX/XX/2023 ), and the creditor has not applied it and says ( via email this morning XX/XX/2023 ), payment is due XX/XX/2023 but it was paid on XX/XX/2023. ( See Attachments as proof of payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Subject : Illegal Freezing of Assets? 
Body : My issue is with Ally Bank. I recently changed my phone number. Once I had changed my number, I updated that information with Ally Bank accordingly. Unfortunately, this triggered a freeze on my account. When I try to access my account, I am locked out and receive error messages such as " We've locked your account. '' I've been on several phone calls now, yet none of them were able to unlock the account. As it stands currently, my assets are frozen and I'm not convinced that this freezing of my assets is legal.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a JP Morgan Chase Freedom Unlimited credit card that I did not applied for. I contact Chase Customer Protection Group at ( XXXX ) XXXX to report someone fraudulently applied for this credit card. The customer service representative acknowledged my complaint and advised this was most likely fraud and identity theft, and confirmed that she had closed the account and would be mailing supporting documents to me relating to the fraud, as well as to obtain credit bureau reports. I obtained a XXXX XXXX credit report online and noted an inquiry made by JPMCB Card Service on XX/XX/23, which may be the date the criminal applied for this card online. I have no accounts with JP Morgan Chase and have not apply for any credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXXXXXX XXXX  XX/XX/2023 I deposited XXXX XXXXXXXX XXXX  that totaled to the amount of {$900.00} for a cash deposit at an ATM at my bank. It posted immediately and then the transaction was wiped off my account today and it is no longer there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
Called about 10 friends and family members saying that I owe debt when they have my address and phone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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