vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
An unknown account flagged my credit files with inaccurate/unverified collection information. Their account was updated on XX/XX/2022. It took quite time to locate the company. There are not any names, addresses, or phone numbers listed on the attachments and I had no idea of who to contact. 
Please be advised that Credit Collection Services ( CCS ) are not Holders in Due Course ; no services or goods were received from Credit Collection Services ( CCS ) and I have not agreed to pay/tender anything to Credit Collection Services ( CCS ) on behalf of their alleged client for any reason. Credit Collection Services ( CCS ) have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Credit Collection Services ( CCS ) was NOT provided to me to allow Credit Collection Services ( CCS ) to verify the accuracy of their data before placing their account with the credit bureaus for collection. Credit Collection Services ( CCS ) did not include any contact information nor a number. 
This proves Credit Collection Services ( CCS ) is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private medical information to Credit Collection Services ( CCS ). This is proof that my HIPPA rights have been violated. 
Credit Collection Services ( CCS ) do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Credit Collection Services ( CCS ) s reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Credit, Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

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 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank REFUSES to use my cell phone to send a One Time Passcode ( OTP ) to my cell phone, STRICTLY because my cell phone is under the same account as my WHOLLY OWNED SMALL BUSINESS, WOMAN OWNED entity. They say they can ONLY text me if I own my own phone and it is in my own name. This is pure discrimination against women, small business owners, and minorities. The agent specifically told me, I had to have a phone listed under my social security number in order for Chase to use my cell phone. 

However, my ADDRESS listed with Chase IS MY BUSINESS ADDRESS! The address with my XXXX Business Account IS MY BUSINESS ADDRESS! So, that matches! Chase is not saying, I need to have my own address. My email contains the name of my company. Literally, everything SCREAMS my company name, and they are ok with it, except my cellphone. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have an inquiry on my consumer report that should not be there XXXX  XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " XXXX '', and " Experian '' on XX/XX/XXXX and I STILL have not received any reply from them.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Upon answering the call after several messages left by the company, I explained that the debt did not belong to me! The debt was associated with a car I've never owned, and the debt was connected with XXXX XXXX XXXX. The company continued to call, and leave messages while I was in class with students and leave messages at my home, as well as on my cell phone! 
Just of a few of the days, and times are as followsXXXX ( XXXX pm ), XX/XX/XXXX ( XXXX pm ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) twice, XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) I NEED HELP! The company refused to obey my answer that it is not my debt! I contacted XXXX and they confirmed that I did not have an outstanding debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

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 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc.
State: NY

Complaint narrative:
Remex Inc. posted a negative remark on my credit report without notifying me of this debt. No letter or validation of debt was mailed to me. After reading their countless negative reviews, I see they are doing this to many people. People are not being made aware of any debt and find their credit reports have been tarnished by Remex Inc . I do not have a contract with Remex inc . I do not owe Remex Inc any monies. Why would they post a negative remark on my credit without even letting me know there is a debt involved. This was posted on my credit report on XX/XX/2022. This is a violation of the debt fair act. 

I will reach out to the original creditor noted to investigate. This debt collector, Remex Inc. should not be allowed to do this to people. I would like copies of letters sent by Remex Inc. pertaining to this debt. I also want them to validate this debt and remove the negative credit remark on my credit report until this is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In response to claim # XXXX Transunion has continued to violate my rights. They claim to have investigated the incorrect account for XXXX XXXX XXXX that is reporting to my consumer report and causing harm to my life. This account is reporting a different close date with XXXX, Transunion, and XXXX. I demanded that this account be deleted from my consumer report due to non-compliance with METRO2 standards for accuracy. Transunion claims to have updated this account. I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. TRANSUNION DID NOT DO A PROPER INVESTIGATION AND CONTINUES TO PARK THIS INACCURATE ACCOUNT ON MY CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: OH

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 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 2022-04-30 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: OH

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
Equifax is currently reporting on a close to XXXX XXXX XXXX collection account as Open and over 120 days late. I have contacted Equifax, to dispute the account. But they just refresh it the same. I have told them that they are illegally reporting on that collection. 
Over 120 Days Past Due Open XX/XX/XXXX Whose Account Individual Account XX/XX/XXXX Status {$790.00} Type of Account Type of Loan Debt Buyer Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
I sent Seventh Avenue a Federal Trade Commission Identity theft report in regards to a fraudulent Seventh Avenue Account # : XXXX opened up in my name and the fraudulent account is listed on my XXXX and XXXX credit report. The Seventh Avenue Account is a fraudulent account and isnt my account. I never applied for the Seventh Avenue Account. The account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: OH

Complaint narrative:
I attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the three loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all 3 of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. Two of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. XXXX updated the 30 day late comment on my credit report for XXXX XXXX but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to XXXX in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on 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 2022-04-30 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: MN

Complaint narrative:
The following credit card accounts listed on my Experian credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit cards was reported as lost/stolen.

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 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I had previously disputed this XXXX XXXX I never received a bill. After the dispute I called XXXX and told them at the time I had these services I didnt have health insurance. It was for the emergency room. I was in the waiting period for health insurance. I dont remember who I talked to. I explained my situation and told her I was now on Social Security XXXX and I had no way of paying this because I barely have enough money after my home, utilities and medication was paid for. I have applied for financial assistance through XXXX because of my financial situation. This account is 5 years old and I was under the impression they were going to take it off my report. I sorry if I wasnt supposed to file a complaint because I wasnt able to file another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I purchased a vehicle from city limit motors in XXXX Illinois on XX/XX/XXXX. The dealer informed me that the XXXX XXXX I purchased was a XXXX submodel. Which does not exist. He had me drive the XXXX to personal finance company, where he met me with the contract. He spoke to the staff there for me. I tried to back out of the loan twice because the interest was high. He swindled me by telling me that I could refinance the vehicle in a year or so after the payments improved my credit score. He failed to mention that you can not refinance a vehicle that is over ten years old. He acted as a liason to me and the loan company until I signed the contract. I felt obligated since drove the XXXX there and having my ride leave from the dealership. 

In XXXX personal finance lied to my insurance company when the vehicle was stolen. They claimed that thw contract stated interest is to be precalculated. The contract clearly states I pay monthly installments with no penalty for paying off early. My insurance cut a check for more than {$11000.00}. But it did not cover the interest. I was left with a balance of around XXXX that has compiled interest and is now around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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:
The inquiries on my credit report are in accurate

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 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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