vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: CA

Complaint narrative:
I am a victim of XXXX XXXX and sent all required documentation Per 605c, notarized to XXXX, Experian, and XXXX. 
The adverse information has not been blocked as requested. 
XXXX sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX victims request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.

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 2022-09-30 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: TN

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

XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 Dection 2 : 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 records of convictions of crimes which antidotes the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I called a fraudulent XXXXXXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again. A scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
{$170.00} : XX/XX/XXXX : XXXX XXXX XXXX XXXX To Whom It May Concern, I recently examined my credit report on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any, and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information attached to your reply and accept this letter, as my formal debt validation request, of which I am allowed under the FOCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can alow me to seek damages from collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you through XXXX. 

Sincerely, 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 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been reaching out to all three credit bureaus : XXXX, Equifax, and XXXX, for the past year and a half. I have been disputing the fact that I am the victim of identity theft and someone has been using my social security and personal information to get access to credit card accounts, loan accounts, and phone accounts and some other things I have no idea what they are. I have listed everything below and which bureau they are reporting as well as the amounts of theft which is almost {$20000.00} worth! 

Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX Acct # XXXX debt for {$760.00} XXXX XXXX ( XXXX ) Acct # XXXX debt for {$2000.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX XXXXs ( XXXX ) Acct # XXXX debt for {$850.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$120.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Acct # XXXX debt for {$13000.00} Fraudulent Accounts that Equifax are reporting : XXXX XXXX Acct # XXXX debt for {$760.00} Fraudulent Accounts that XXXX are reporting : XXXX Bank Acct # XXXX debt for {$760.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX, XXXX, and Equifax have failed to comply with the FCRA by not moving fraud accounts and I have filed a police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage is overcharging my escrow account and is refusing to refund the overcharges. 
They have overcharged my account for the month of XX/XX/2021 by {$110.00} and this is just another abusive practice. 
My monthly PMI is {$110.00}. My yearly PMI is {$1300.00}. The year has 12 months. According to United Wholesale Mortgage, the year has 13 months. PMI is applied twice for XX/XX/2021. 
Please see enclosed evidence. ( they charged {$1400.00} for XXXX PMI instead of {$1300.00} ) I am being constantly abused and lied by this company. 
I live in fear having them to administer my Escrow Account. Every letter/notice from them contains errors as answers to requests to correct errors or Errors to justify unjust enrichment. 
Refund immediately please and STOP the constant abuse! 
The " errors '' you constantly make are used as weapons to create emotionally distress/abuse. 
Please STOP the abuse and the obstructive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/22 I received an email asking me to finish signing up for a credit card w/ CHIME, a credit card I never signed up for. 

On XXXX/XXXX/22, I received an email stating that my CHIME credit card was in the mail and to verify my address. 

NOTE : I did not respond to either email ; I never confirmed by address. 

On XXXX/XXXX/22, a XXXX debit CC came in the mail. 
On XXXX/XXXX/22, I made 2 calls to CHIME, the second of which was successful in shutting down my so-called account. 

Of grievous concern- they had my social security number, date of birth, and additional personal information. 

We need to shut this down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My mortgage company ( PennyMac ) is overcharging us interest since we make extra principal payments. They started only applying our payments on paper, but the interest stopped going down until the following month after a I made the payment. On XX/XX/2022, my balance was {$470000.00}. We should have been charged {$880.00} on XX/XX/2022, but they charged us {$880.00}. Our interest rate is 2.25 %, and our note says our bill is due on the XXXX. Our balance on the XX/XX/2022 was {$470000.00}. Their math on my statements is no longer adding up since for the last 3 months. They said I make extra payments they are splitting my interest now. They are charging me monthly, and holding my extra principal for a month unless I pay it on the XXXX of the month and lose my 16 day grace period. This is their new policy that started 3 months ago if you make extra principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: TN

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

XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXXXX/XX/XXXXXXXX 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 604 A Dection 2 : 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 records of convictions of crimes which antidotes the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666 B a creditor may not treat a payment on a credit account an open end consumer credit plan as late for any purpose. Cease and Desist 15 USC1692 G,15 USC 1692 C

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 2022-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: SC

Complaint narrative:
1

5 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 st
ates a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

XXXX, XXXX. 
Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been reaching out to all three credit bureaus : XXXX, XXXX, and Transunion, for the past year and a half. I have been disputing the fact that I am the victim of identity theft and someone has been using my social security and personal information to get access to credit card accounts, loan accounts, and phone accounts and some other things I have no idea what they are. I have listed everything below and which bureau they are reporting as well as the amounts of theft which is almost {$20000.00} worth! 

Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX  Acct # XXXX debt for {$760.00} XXXX XXXX  ( XXXX ) Acct # XXXX debt for {$2000.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$850.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$120.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Acct # XXXX debt for {$13000.00} Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX  Acct # XXXX debt for {$760.00} Fraudulent Accounts that Transunion are reporting : XXXXXXXX XXXX Acct # XXXX debt for {$760.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX, XXXX and XXXX have failed to comply with the FCRA by not moving fraud accounts and I have filed a police report and identity theft 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I called a fraudulent XXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$350.00}. I gave them the card number over the phone and never heard from them again. A scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CA

Complaint narrative:
I am a victim of XXXX XXXX and sent all required documentation Per 605c, notarized to XXXX, XXXX, and Transunion. 
The adverse information has not been blocked as requested. 
XXXX sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX XXXX request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.

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 2022-09-30 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: CA

Complaint narrative:
I am a victim of XXXX XXXX  and sent all required documentation Per 605c, notarized to Equifax, XXXX, and XXXX. 
The adverse information has not been blocked as requested. 
Equifax sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX XXXX  request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America when I had an account with them kept charging me fees that would eat up 100 % of my {$1800.00} monthly XXXX deposit every month since XXXX. I had a meeting at Bank of America requesting these funds be returned they refused and even after I changed to a different bank for my deposits the government accidentally sent over two deposits after that and Bank of America refused to refund those too

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