vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC has posted information on my consumer report stating there is a debt owed with their company. I have never had a contract or agreement with Americollect. they are reporting multiple accounts on my consumer report that they are not authorized to do so. 

Americollect, XXXX, XXXX and XXXX has violated my HIPAA rights. 
The federal law contains the following specific verbiage that applies to the situation at hand : " ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Additionally, HIPAA and Florida MedicaXXXX Privacy Statutes further protect my protected health information. The Privacy Rule prohibits you from using or disclosing my individual protected health information ( " PHI '' ) unless I specifically authorize the use, which I have not. 

HIPAA specifically states : Information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. Your company has supplied my confidential and protected account information without my consent as a consumer. 

Also according to 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. also U.S code ( a ) 1-4 The amounts reporting are {$1500.00}, {$290.00}, reported on XXXX and {$1500.00}, {$290.00}, {$91.00} and {$55.00} and {$56.00} Reported on XXXX and XXXX. 

These accounts are listed in error and I am requesting these items removed immediately. I have sent certified letters to all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I put in a dispute with Chase Credit Card for the charge of XXXX by XXXX  XXXX XXXX. 

I am not using this antiquated system. Primarily because your bank HAS FAILED TO ADDRESS MY INITIAL COMPLAINT THAT I WAS A VICTIM OF A CRIM, I SUBMITTED ALL INFORMATION MULTIPLE TIMES VIA YOUR FORM AS WELL AS TOO EMPLOYEE 'S. YOU HAD EMPLOYEE CONTINUE TO CALL ME FOR INFORMATION I HAD SPENT HOURS GIVING TO YOUR COMPANY AND YOU HAD EITHER IN DIRECT WRITTEN FORM VIA THIS FORM OR SHOULD HAVE BEEN NOTED BY YOUR AGENTS. 

You can not force me to use this, it is a dereliction of fiduciary duty as you have FAILED TO EVER ADDRESS MY INITIAL COMPLAIN YOU FAILED TO SERVICE ME WHEN I CLEARLY AND VALIDLY FILLED THIS OUT BEFORE. 

The fact you even sent it to me is going to trigger another round of complaints to the usual. 

I am including all the information I have already sent the party who charged me when I complained to the XXXX for Business Profile for XXXX XXXX XXXX XXXX Headquarters Multi Location Business Find locations At-a-glance Contact Information XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I placed the name under XXXX XXXX Order # XXXX TOTAL {$60.00} I ordered from steak and shake, first off they missed 2 Chili 's. They also claimed when I called them they didn't see that on my order notes, the way the items were meant to be made was completely wrong on literally everything but one burger I had made normally. You can see on the itemized receipt the XXXX doesn't have extra sauce it has barely any and was dry, the double cheese burgers didn't have pickles or onions I paid for on all 3 sandwiches, and on the website i selected no mustard but they have mustard. The franks came without mustard as requested but I bought them to get a deal on the Chili and did not get the Chili I would not have otherwise purchased them. The cotton candy milkshake is cookie dough and has whipped cream and cherry which I asked to be left off, overall I paid for delivery of these items but at least 80 % of them were wrong or groce .... The onion rings were soggy clumped together soft and oily mess, they were not what was advertised and certainly where coated in oil nasty and inedible and due to being coated in oil did not match the nutritional info on XXXX XXXX XXXX XXXX website. 

I have given you all information needed for the dispute including pictures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-29 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: OH

Complaint narrative:
XXXX XXXX Equifax has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: AR

Complaint narrative:
Global Lending Services has violated my rights as an protected consumer under the Equal Credit Opportunity Act. I have enclose the violations done to me in the attachments. 

PLEASE CHECK THE ATTACHMENTS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I mailed a payment check for {$11000.00} to Barclays Bank to payoff a credit card balance on XX/XX/XXXX. The check was sent in with the payment coupon to the address on the coupon, and the last four digits of the account were printed on the memo line. I have a copy of the canceled check that was cashed by Barclays on XX/XX/XXXX. Barclays has not posted this payment to my account. I contacted Barclays several times and was told they would research the payment and contact me with a resolution. They were able to confirm that they received and deposited a check for {$11000.00}, but have no idea what account it went into. To date, there has been no resolution and I am forced to continue making monthly payments on a balance that I have payed off. 

I contacted Barclays on following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one has ever contacted me to ask for any documents related to this issue, not even a copy of the cancelled check that was deposited into a XXXX XXXX account assigned to Barclays .

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 2022-03-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX/XXXX/2022, I mailed out a letter to TransUnion informing them of how they are in current violation of 15 USC 1681i ( 5 ) and 15 USC 1681e. I have also requested for them to remove all outdated and inaccurate personal information. They have failed to remove these inaccurate items from my consumer report and they are currently stalling by excusing me of not being the one who is demanding them the removal of these inaccurate accounts. They also have not updated my personal information to reflect, what I said is accurate. I received a letter from TransUnion that was issued on XX/XX/2022 that not only accused me of not being who I was, but also ignoring the fact that I have requested for the removal of these accounts that are currently tarnishing my reputation and diminishing my confidence in the banking system as TransUnion is willfully violating the FCRA. They have exceeded the time frame of 30 days to provide me with an investigation response so instead, they have sent over this letter.

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 2022-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted TransUnion on XXXX XX/XX/XXXX at XXXX and spoke with XXXX XXXX about four unauthorized inquiries. 1 ). XXXX XXXX XXXX inquired XXXX XX/XX/XXXX. 2 ). XXXX inquired XXXX XXXX XX/XX/XXXX. 3 ). XXXX inquired on XXXX XX/XX/XXXX0. 4 ). XXXX XXXX inquired on XXXX XX/XX/XXXX. She refused to submit an investigation and/or look into the matter. She also stated that only the Universal is the hard inquiry the others do not matter. I stated that they matter to me because I did not authorize not do a credit application for any of these in my name. In the future, when I have to verify my information, I won't be able to recall false information reported. She refused to do anything.

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 2022-03-29 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: TX

Complaint narrative:
I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor nextep funding. In the amount of XXXX thousand dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I called Eastern Account Systems today XX/XX/2022 at XXXX pm to advise them that I paid XXXX XXXX the total amount of {$270.00} as I did not owe anything to Eastern Account Systems as I never had an account with them. I advised them that I want them to remove this off of my credit report. The rep asked for confirmations which I gave her and at the end of the call she stated that they will update the account to paid in full which is incorrect. I did not pay them anything and I have all receipts paid to XXXX directly. I want this account from them removed immediately. I have had no other dealings with Eastern Account Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 have several charge offs with XXXX XXXX Police XXXX. They have sent me 1099 's on these items and indicated they will no longer collect on them. I am unable to settle or even pay on these debts. I contacted this credit bureau to remove the balance on the item. My rights under the Equal Credit Opportunity Act ( Reg. B ) and the Fair Credit Reporting Act provide that bureaus can not list balances on past dues that I am unable to cure. Since I have had to take these charged off, XXXX balances as income, maintaining them on my report as items that I must pay is DOUBLE JEOPARDY. 

I have attached copies of the 1099 's. The accounts are listed as 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 2022-03-29 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-29 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCash Holding LLC
State: MO

Complaint narrative:
We sent you our method of payment for a permanent discharge concerning this matter. This is simply a preliminary audit to guarantee proper accounting is being conducted with said account. 

Proof : Registered Mail Via USPS : Registered Bond Number : XXXX ( use this number to XXXX ) Routing Number : XXXX The dates, amounts and actions are all specified in our method of payment. 

Thanks for your patience and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Bank has charged me outrages NSF fees over the last couple of months, each time they take more and more money, they charge my account weeks later for even more fees. Last year the CFPB became very critical of bank over draft fees. Although they agreed to a settlement, Regions bank is still charging outrages NSF fees. This bank thrives off greed and taking advantage of the consumers. I want my money refunded to my account, and for Regions to be held accountable for their actions. We the consumers have enough to deal with especially with the rise in prices. We should not be forced to pay for a CEO greed, Regions should be made to change their banking procedures. They are literally stealing from consumers and not being held accountable, we have had enough. XXXX XXXX XXXXXXXX and XXXX XXXX  are now being sued because of excessive NSF fees, Regions Bank is no better.

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