vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: NJ

Complaint narrative:
I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}

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 2023-01-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct number XXXX {$2300.00} XXXX, XXXX account number XXXX {$780.00} XXXX XXXX {$150.00} -XXXX XXXX account XXXX {$1600.00} XXXXXXXX XXXX XXXX account XXXX {$90.00} XXXX XXXXXXXX XXXX account XXXX {$89.00} 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions 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 2023-01-26 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: NY

Complaint narrative:
Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. - XXXX XXXX {$800.00}. 
Acct Status : OPEN Remarks : Dispute and Collection Acct. 
According to FCRA Law an account can not be reporting Open and In Collection at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: VA

Complaint narrative:
This is NOT a request to conduct a reinvestigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information. 

Equifax is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Equifax permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

The following accounts must be deleted from my report immediately. Equifax has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX This is NOT a request to conduct a reinvestigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX ( XXXX XXXX at the time I received services ). In XXXX of XXXX  I received XXXX, and received XXXX  services provided by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. My bill was initially paid for by my medical insurer XXXX, however this coverage was later revoked and I was billed the full amount for the procedure. After a lengthy appeal process XXXX decided to cover the XXXX  after all, and paid XXXX XXXX the full amount due. XXXX made a mistake and sent the account to RMP despite it having been paid. XXXX has reached out to RMP to inform them that the account was given to them in error, but they have refused to fully retract it from my credit report. Instead they are reporting it as a " collections account that has been paid '' which still has a derogatory effect on my credit report, and in repeated calls have steadfastly insisted to me that they refuse to fully delete it despite knowing it is an error. 

In addition their agents have continued to call me " sir '' in conversations despite me repeatedly informing them that my gender has changed, in what I believe is deliberate belittlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
( name and address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. I spoke with company XXXX Lexington Law on XXXX to cancel withdrawal of {$130.00} they waited until XX/XX/XXXX putting my XXXX XXXX account ( # XXXX ) putting my SSI account into overdraft .after I told them not to and they agreed. They did what they were supposed to protect me from.in my haste I didnt get a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NY

Complaint narrative:
Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX - OPEN Balance {$950.00}. 
Acct Status : OPEN Remarks : Dispute and Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX, Spring Oaks Capital LLC and XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
SPRING OAKS CAPITAL LLC- Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct Status : OPEN. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NJ

Complaint narrative:
I have a Fraudulent Account on my credit reports for XXXX, Equifax, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXXXXXX XXXX Account number 00 Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have been receiving repeated and early monring calls from Medical revenue services - phone numnber XXXX regarding medical debts. As a student I am trying to make arrangement to pay my medical bills since I have no job. I called them back on XX/XX/23 the company and asked for information to contact the hospitals- since the name of the hospitals provided did not match my records of whre I obtained care. The representeative was very insultive - telling me that since I assume to be a student, I should know that XXXX XXXX and XXXX hospital are the same. That I shoyd have settled my bulls to avoid XXXX calling me. 
She would not proivide the th information I requested, but just kept talking down at me and would not listen or address my request, so I hung up. They just continue to harrass me and I am afraid of taking any calls. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: LEXISNEXIS
State: NY

Complaint narrative:
I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
I have tried to have things removed from credit bureaus all 3. Experian has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX also known as consumer finance I paid that off 3 weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX XXXX I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX  XXXX, that is address on my Florida i.d so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXX never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage medicare since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to Experian, XXXX I filed disputes online, XXXX saying vrystar is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the pay day cash advance which I paid off you can verify calling XXXX and they direct you to consumer finance which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet 2 of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a scumbag, it's not right

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 2023-01-26 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: DISCOVER BANK
State: GA

Complaint narrative:
Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with discover bank removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that XXXX am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, discover bank, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/23 I sent {$4000.00} to my close friend for back to school shoes and clothes through XXXX  directly from the Wells Fargo app. 5 minutes later he tells me he didnt received the {$4000.00} I just sent. Called Wells Fargo last Thursday the XXXX they open my claim but Ive yet to receive my money back it is now the XXXX. Ive called back several times and they just keep telling me the case is still open and ongoing. This is outrageous I dont have any money for rent Im a struggling college student just trying to get by but cant even depend on my bank for my own money back!

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 2023-01-26 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: NY

Complaint narrative:
TransUnion, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct XXXX : XXXX. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX Chase froze account. prevented me from purchasing XXXX presents. 
Same date Chase charged me a fee of {$100.00} I do not know why the account was frozen. I am not aware of ant debt as confirmed by XXXX XXXX XXXX of XXXX  XXXX, Colorado. 
I want my account closed and the return of all fees to XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian has a adress of XXXX cr XXXX XXXX tx XXXX listed as an address on my report. I have not lived at that address and have asked several times 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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Took out a car loan with credit acceptance car loan and it was supposed to be low payments as my credit score was in mid XXXX. But I found out my payments were {$850.00} a month. Making it impossible to pay. 
They didn't provide paperwork. 
I lost work due to covid and unable to make {$850.00} payments. And this has now dropped my score below 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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was told that XXXX XXXX would be representing me, and that if I paid my fees, that my debt would be eliminated completely. They changed my credit card the day I spoke with them for the first time. They told me I signed a contract that I never received a copy of it, and didnt sign anything. They told me to stop paying on my debt, and that I dont need to worry about a thing. Next thing I know I have XXXX lawsuits. I paid them over {$7000.00} and was told that I would never pay anything more than the fees. My lawsuits include their fees. I would never have paid {$7000.00} for someone to consult me for {$20000.00} worth of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MD

Complaint narrative:
ProCollect has been furnishing data to my consumer report and I never gave them consent to do so. I do not owe ProCollect anything, I do not have any agreements with them and I need them to settle and remove the tradeline they have on my consumer report immediately. This is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They are using an extortionate means to collect on an alleged debt that I do not owe. I am disputing this and in order for ProCollect to collect it must provide the following : a document signed by me evidencing the debt or the opening of the account, a certified or otherwise properly authenticated photocopy of the original document, a chronological listing of the names of all prior owners of the debt and date of each transfer of ownership of the debt, beginning with the name of the original creditor and documentation of the identification and nature of the debt or account, including the name of the original creditor, the full name of the debtor as it appears on the original account, the last four digits of the social security number, the last four digits of the original account number and for the State of Maryland your collection agency license number, name appearing on the license and the date of issue of the license. Failure to provide this documentation means you are participating in illegal debt collection practices.

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