vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I was involved in a motor vehicle accident on XX/XX/XXXX when a young lad hit me from behind while I was in my pick up truck. It caused XXXX XXXX XXXX and I ended up having XXXX on XX/XX/XXXX. My XXXX XXXX coverage deductible of {$5000.00} was paid and after the XXXX I received an invoice from XXXX XXXX saying I owed them over {$3000.00}. I was told my deductibles were covered and I was not going to pay anything out of pocket. They have since sent this invoice to collections and it has affected my credit. I asked them to provide proof that I signed for the ir services but they have not yet done so. Please assit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX of 2022 my truck was repoed, with no knowledge to me that it was going to happen. I got in contact with the loan people, they told me I had 15 days to pay the payments that were owed and get the truck back or they would send the truck to auction. I paid the account to current on XX/XX/XXXX with the auto loan company and because that was a Friday I could not get my truck until the following Monday the XXXX. I thought everything was good, it wasnt. I tried to make the payment the following month, I couldnt make it online, so I tried calling them and got the run around. No one could tell me how to make a payment because they couldnt find my loan on file. I got this run around up until XXXX when finally someone told me that my account had been wrote off and I had all of this money to pay or my truck was getting taken again. Meanwhile no one is taking responsibility for the run around and me not being able to make a payment for months on my truck because of them not knowing. I just need help with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fraudulent account is on my consumer report. It need to removed as soon as possible. There is no 3rd party. I am human. There has been the following account that are not authorized under my consent or written approval. I have filed a FTC report regarding this manner. It needs to be attended this manner as soon as possible.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted experian, XXXX, XXXX to freeze my accounts. In the morning I had two more credit checks from XXXX XXXX and XXXX XXXX which I did not recognize. I called experian again and this fraudulent person had my account freeze reversed

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The fraudulent account is on my consumer report. It need to removed as soon as possible. There is no 3rd party. I am human. There has been the following account that are not authorized under my consent or written approval. I have filed a FTC report regarding this manner.

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 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, TransUnion XXXX XXXX has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXX XXXXXXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX TransUnion & XXXX has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this 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 2023-03-01 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: CA

Complaint narrative:
I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, XXXX & Equifax has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXXXXXX XXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX XXXX & Equifax has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681 and they violated my right numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and did not give XXXX written permission to furnish these accounts. 

Account XXXX : XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Account Resolution Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 



This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Account Resolution Solutions, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Account Resolution Solutions, continues its collection efforts, I will file for litigation for actual damages caused and Account Resolution Solutions, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681 and they violated my right numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and did not give Experian written permission to furnish these accounts. 

Account XXXX : XXXX Account 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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I have been a member of this bank for YEARS. I have been traveling and living the same lifestyle also FOR YEARS. For whatever reason, the service and access to my card has gotten worse and worse, and especailly awful in the last XXXX  months. This month alone i have had to call in at least XXXX to get 'fraud alerts ' to be subdued. My payments are constantly blocked. Every person I speak with apologizes and says its a visa thing. Nothing has been done. Nothing about my spending habits or lifestyle has changed. It has been relentless to try and just spend my own money. No one has answers. No one can help. I just have to keep calling over and over to get the fraud alerts to be subdued, and regain access to my card. I spend hundreds of thoudsands of dollars a year on this card and for some reason i get completely shut down when I try and buy food for {$20.00}. It is crippling. I am hoping this route will have some effect on this. I just want to spend my own money. Like I have been for years. XXXX calls this month just to get my card unlocked. No one does anything to make it better. This isn't a visa problem, this is a schwab problem. this is who manages my bank accounts and money. my card is cut off, compromised, needing a new one but wont expedite. I also promise for whatever XXXX answer the bank may have 'a new card ' is NOT the solution. I have had new cards. I have had the same card. I have had the same spending habits. a new card won't fix this. and changing my account to an international one won't either. They are just getting worse and worse with service and i have XXXX answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
The company offers minors much lower savings account rates ( around 0.1 % to 0.3 % ) than adults ( up to 3.4 % ). Company representatives stated that minors can only be secondary account holders for higher yielding savings accounts and CDs, which would make the adult primary account holder responsible for tax on the minor 's income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
There is a collection on my account that is not only false it is NOT mine I have NEVER signed a contract with this agency I was NEVER contacted about this collection either! It is being reported that this is an open account for the amount of {$320.00}, BUT this is a collection this is a violation of my rights, also In accordance with the fair credit Reporting act XXXX Account # XXXX Security credit service, has violated my rights. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MS

Complaint narrative:
I would like to file a complaint against XXXX credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the XXXX attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all XXXX agencies this account has been reported which are as follow : Equifax, XXXX, XXXX. All XXXX must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report.

3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the XXXX attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all XXXX agencies this account has been reported which are as follow : XXXX, Experian, XXXX. All XXXX must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with non-monetary relief