vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: PA

Complaint narrative:
Account : XXXX XXXX XXXX  XXXX XXXX account is inaccurate, reporting that I was 120 days past due on a closed account. This information is inaccurate. I was never late, and this account was never mine. Which is why its closed. Im unsure why its even on my report. Ive tried multiple times contacting the university and the reporting agency transunion, and have received no help. 
This account started reporting in XXXX even though it was supposedly opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account : XXXX XXXX XXXX  XXXX XXXX account is inaccurate, reporting that I was 120 days past due on a closed account. This information is inaccurate. I was never late, and this account was never mine. Which is why its closed. Im unsure why its even on my report. Ive tried multiple times contacting the university and the reporting agency transunion, and have received no help. 
This account started reporting in XXXX even though it was supposedly opened in 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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX I opened an account with Chase Bank in XXXX XXXX Illinois Branch. I deposit {$300.00} cash to open the account. I never received my debit card in the mail. when I called the bank to inquire about my debit card the person on the other line said that my account was closed do yo no activity. I went in person and asked for my {$300.00} and was told that I had to call and make a complain with their fraud department. I called and the fraud department said that a check has been mailed and nothing further is to be done. I never received such check. When I call back I get the same answer a check has been mailed and when I ask if the check has been cashed because I did not cash it, I get transfer to another line and as of today I have no idea what happen to my {$300.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
First of all they never send the original lease ( which is endorsed with ink ) because we all know that the original contract is endorsed with ink. Second you are a third party debt collector who shouldnt even be contacting a consumer about any matter. Which is against the law are u above the law. XXXX XXXX at XXXX XXXX as well as you who is a Third Party Debt collector have went in contract using my information is identity theft because you guys never got my consent to give anyone my information or to contact me. Those signatures are also forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity Bank continues to call and harass me and my wife also hides their numbers to unknown. Also they continue to say I need a lawyer cause they are going to ruin my credit. Well its already ruined. I lost my job due to Covid, I became sick and I am XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: GA

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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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 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 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 2023-06-30 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: GA

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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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 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 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 2023-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
THIS COMPANY STARTED HARASSING ME FOR THE SECOND TIME AFTER I HIRED XXXX LAW TO HELP ME CLEAR UP MY CREDIT. THEY HAVE BEEN TEXTING SEVERAL TIMES A DAY EVEN THOUGH I HAVE OPTED OUT OF TEXTS SEVERAL TIMES. THEY ARE ALSO CALLING ME SEVERAL TIMES THROUGHT THE DAY DURING MY WORK HOURS. I HAVE ASKED THEM TO STOP CALLING MULTIPLE TIMES. I ALSO ASKED THE NAME OF THE VISIT LAST TIME THEY CALLED AND SHE REFUSED TO TELL ME. I ONLY FOUND OUT THE NAME OF THE COMPANY ONCE I CALLED THE NUMBER BACK BLOCKED AND ASKED FOR THE NAME. THEY STATED THEY REMOVED MY NUMBER FROM THE CALL LIST BUT, THIS HAS BEEN PROVEN TO BE A LIE IN THE PAST. I HAVE ALSO ASKED FOR PROOF OF DEBT BE SENT TO THE ADDRESS ON FILE NBUT HAVE NOT RECIEVED ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: DISCOVER BANK
State: AL

Complaint narrative:
Dear Discover Bank, I hope this letter finds you well. I am writing to bring to your attention a concerning matter related to the reporting of late payments on my discover account number starting with 601101. I believe that my rights as a consumer, as protected under the federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date.

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. You also did not give me proper notice for furnishing of negative information in writing to me as a consumer pursuant to 15 U.S.C 1681s-2 ( 7 ) According to 15 U.S.C 6802 ( b ), as a consumer I was never given the opportunity to opt out from such information/account being disclosed to third parties ( All credit agencies ). 

I asked that you delete this account beginning in XXXX that was opened on XX/XX/2021 from all third parties that I was not given the opportunity to opt out from. 

Failure to address this issue in a timely manner may result in further legal action to protect my rights as a consumer. I trust that you will handle this matter with the urgency and professionalism it deserves.

Please provide a written response within 30 days of receiving this letter. I appreciate your prompt attention to this matter and I look forward to your positive response. 

Thank you for your immediate attention to this serious matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: MD

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. 

Account name : XXXX XXXX XXXX  Account number:XXXX   Account name : XXXX/XXXX  Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX/XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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 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 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 2023-06-30 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: NV

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one credit card was opened in my name without my knowledge on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: PA

Complaint narrative:
I received notification for a application in my name someone was applying for credit i contacted credit bureau and company to stop processing

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 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
I tried to set up a payment arrangement for a XXXX debt. 
IQ data states that they don't own the debt and XXXX is their client. 

I called XXXX and they told me that they do not manage the property anymore and any debt more than XXXX years old is typically a write-off. 

I have tried to make arrangements with IQ Data and even set up an arrangement. 
I called them a week before extraction and stated that I will not be able to make the full payment because of circumstances and to cancel the autopayment because it will decline. I spoke to a Manager with that request and she literally called me a liar and told me to borrow money that I am not responsible and that I do have the money. My conversation with her made me extremely emotional and upset, she was verbally abusive, and it's unacceptable. A gentleman called me today to advise that the payment did not go threw and I told him under new circumstances I only have {$1000.00} to pay on this debt and nothing else. He also called me a liar and was verbally abusive. 

Not sure why we allow people to talk to others this way. I work in collections and would never ever verbally abuse someone if they owe money. You have to maintain dignity and respect for others. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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:
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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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 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 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 2023-06-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I visited XXXX XXXX in XXXXXXXX XXXX in XX/XX/XXXX and provided all my XXXX XXXX ( XXXX ) insurance for treatment, paid my copay and left. Months later, XXXX XXXX XXXX XXXX Department sent me a bill of {$780.00} claiming that the insurance company had declined to pay. 
I contacted XXXX XXXX in XXXX, XXXX about it and they said that they had informed the XXXX that they needed to use the correct code and resubmit. The hospital never resubmitted the claim but kept sending me the bill. 
On or around XX/XX/XXXX I emailed the hospital billing representatives through the patient portal ( Attached copy of all correspondence ) and reiterated that I did NOT owe the debt and that XXXX had instructed the hospital to resubmit the claim with the correct code. We emailed back and forth and the final correspondence was with a representative identified as XXXX who stated that XXXX had sent the claim to billing/practitioner to review and resubmit the claim ( see attachment ) and that XXXX would get back to me as soon as possible. That was the last I heard from them. 
The next thing I got was a letter from Medical Revenue Services, a Debt Collector in XXXX and the collection listed on my credit report on all XXXX credit reporting bureaus. I am distressed and seriously injured by this action because of the XXXX 's negligence and failure to do their job. My credit rating has suffered and I can not fulfil my obligations to my family because. 
I would like XXXX XXXX and Medical Revenue Services ( MDS ) to immediately correct their mistakes, issue an apology and expeditiously remove this from my credit report with immediate effect. It looks like XXXX XXXX billing is out to ruin me and my family because they have also reported my wife to the credit bureaus using the same debt collection company ( MDS ) over a {$50000.00} claim incurred at XXXX XXXX XXXX they failed to submit to the insurance company. This is unacceptable and must stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XXXX.I have called and spoke to a representative, and they declined to help me. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I Dont Have The Dates But I Have Been Denied Access To Opening Accounts At Almost Every Bank You Can Name

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