vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
The first time I became aware of this debt was when I saw it on my credit report : Amount : {$980.00} Original Creditor : XXXX at XXXXXXXX XXXX XXXX  XXXX : Consumer Adjustment Co I did not receive any communication regarding this debt from Consumer Adjustment Company, but I recognized the name of the original creditor as a hospital at which I was a patient. I assumed this was related to an unpaid copay from that hospital. I reached out to Consumer Adjustment Company via their website to reach an agreement on the debt. I received no response. 

Because of the lack of response from Consumer Adjustment Co, I then reached out to the hospital billing department and paid the outstanding bill to them directly. I later learned that that bill was not the one that Consumer Adjustment Co was trying to collect on. I had no way of knowing this at that point. Therefore, I thought the debt was settled and attempted to dispute the debt with the credit bureaus. The disputes were denied. 

I then filed a complaint to the XXXX XXXX XXXX  Finally, the debt collector communicated regarding the debt, providing a date and the name of one of the healthcare providers who cared for me at the hospital ( I thought it was unusual that they had the specific name of a care provider ). This communication was the first I had heard from Consumer Adjustment Co, and it was through Better Business Bureau. The date Consumer Adjustment Co provided in this communication was not the same date for the balance I paid to the hospital already, so at this point, I assumed there must be another debt that I was unaware of. 

I then reached out to the hospital billing department again and was informed : 1. the debt for the date in question was assigned to a different collection agency than the one that is trying to collect on it 2. the hospital billing department does not deal with Consumer Adjustment Company at all 3. the amount is incorrect 4. the debt is not considered delinquent at this time and should not be reported to the credit bureaus When I first saw this debt on my credit report, I was uninformed of the obligation of the debt collector to notify me of the debt or to provide me with an opportunity to request further information. At this time, the only communication from Consumer Adjustment Co has been in response to my XXXX XXXX XXXX  dispute. I am wary not only of the legitimacy of the debt but of the circumstances of how Consumer Adjustment Co has the specific name of a care provider from my visit to the hospital. I have yet to receive any debt validation from Consumer Adjustment Co, and the original creditor is denying the existence of any outstanding debt with Consumer Adjustment Co. I am suspicious that this may be fraudulent. 

The date of service Consumer Adjustment Co is attempting to collect on is XX/XX/20 from XXXX at XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I contacted one main financial on XX/XX/XXXX and told them due to me being out for XXXX they will have to continue to take monthly payment by auto draft set up with my bank account information. I continue to get calls 3 times a day and from different numbers 1 ) XXXX XX/XX/XXXX XXXX XXXX  XXXX 2 ) two calls made from Branch on XX/XX/XXXX XXXX ) Friday XX/XX/XXXX XXXX XXXX XXXX  and XXXX two voicemails were left that day. The repeated calls continue daily from other numbers daily and again today XX/XX/XXXX 1 ) XXXX 2 ) XXXX from XXXX 3 ) XXXX XXXX. They are using deceptive practices to call from Numbers at branches my loan is not with and leave messages asking to Call back number to main branch. Im Requesting that they remove my banking information from their system and not to draft and loan payments going further I am also requesting that the loan company be punished for their deceptive collectin practices and obsessive harassing calls to my cell phone when I had payments set up for automatic draft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XXXX of 2022, I used XXXX as the payment source for " XXXX  '', the XXXX, XXXX public transportation app. As the payment backing in XXXX, I used my personal Chase credit card. I used the " hvv '' app to buy subway and bus tickets for transportation. The seller for this service shows up in XXXX as " XXXX XXXX XXXX XXXX '' and on my credit card as " XXXX XXXX ''. The billing code that XXXX used to charge Chase is processed by Chase as a cash advance. This accounting error by Chase resulted in a {$10.00} cash advance fee for each ticket purchased. In the end, I was charged {$150.00} to buy public transportation tickets via XXXX ( the funding source of which was my Chase credit card ). 

Chase was unwilling to refund the cash advance fees regardless of evidence to show - through paypal receipts - that these charges were for public transportation tickets. I spent an entire afternoon trying to sort this out with Chase to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14 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:
CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX - account # XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: TX

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX  - account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt recovery solution last reported on XX/XX/XXXX {$1900.00} and the second {$910.00} on XXXX XXXX XXXX XXXX XXXX  under the law section 609 A Federal Law I have the right to see both of these account listed below with my signature when it was open and proof or it must be removed this account under my name in 30 days thanks under section XXXX XXXX -A Delete all information which can not be verified thanks in advance XXXX XXXX XX/XX/XXXX / ss last four # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: IL

Complaint narrative:
On XX/XX/XXXX, called Experian spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at Experian that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, Experian and XXXX never did and failed to do a proper Investigation according to FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information.

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL! 

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Also, Experian took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I wish to complain about Coinbase Inc. I was a victim of scam fraud by bsxstar.com through Coinbase Inc for the amount of XXXX. When i new that i was scammed i immediately contacted Coinbase Inc and was told that there nothing could be done about my problem. I believe that this response in unfair especially for the amount of money that is involved. I suffered from XXXX from this situation until now because i have been waiting for their response but it has been months of settling from them but they refused and closed my case. I am so hopeless and I have decided to bring up my case in your institution hoping you could help me. I was ready to take my life because i have been refused to be helped by the Authorities and by Bank companies and especially the Coinbase company but i believe that there is still hope for me. 

I look forward to hearing from you. Thank you so much. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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 was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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 was recently contacted by an occupant of a address I used to receive mail at, when I was homeless. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: MS

Complaint narrative:
I would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: MS

Complaint narrative:
I would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!

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