vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit Collection Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I underwent an XXXX XXXX performed by XXXX XXXX XXXX of XXXX, New Jersey. At the time, I was an employee of the XXXX XXXX XXXX XXXX XXXX XXXX  and had excellent employee-sponsored health insurance coverage through XXXX. I never received a bill from XXXX XXXX ( beyond what I might have paid as a deductible or co-payment on the day of the procedure I dont recall ), and I assumed they had billed XXXX and was paid by them. ( All these years later, I no longer have in my possession records from XXXX. ) Moreover, that was a non-emergency medical procedure that I never would have undergone had XXXX XXXX indicated that it would not accept my health care coverage I have maintained for decades a pristine credit history. I have a long history of paying all my bills and paying them on time. Nonetheless, earlier this year, almost six years after the XXXX XXXX, I received a dunning notice from Summit Collection Services LLC of XXXX XXXX XXXX, New Jersey, demanding that I pay {$3200.00} for that XXXX XXXX XXXX. In support of its demand, Summit Collection Services sent me a Provider Remittance Advice from XXXX showing that the insurance company declined to pay any of the {$3200.00}. What is significant, and what Summit Collection Services conveniently failed to point out, is that while the XXXX  occurred in XX/XX/XXXX, XXXX XXXX did not bill XXXX XXXX until the end of XX/XX/XXXX, almost four and a half years later. ( see first attachment ) In other words, XXXX XXXX was grossly negligent in the way in which it handled the matter. 

I am a retired senior citizen for whom {$3200.00} is a lot of money. After I objected to paying that amount, Summit Collection Services went ahead and reported this alleged debt to the credit agencies, causing a major derogatory activity notice to appear on my credit file ( see the second attachment ), harming my credit rating greatly, and likely causing me economic harm when I go to buy a car or otherwise look for credit. I believe Summit Collection Services did this in order to pressure me into paying this alleged debt. 

I believe the actions of Summit Collection Services have been unfair and deceitful in violation of the Fair Debt Collection Practices Act and, as well, are in violation of the No Surprises Act, which protects people from receiving surprise medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
So I have an Account with Penfed credit union. It was opened two years ago. I allowed my sons Unemployment to be deposited into my account. Then the instuition placed holds on my account. After two years nothing has came back to the account placing it negative. And im still unable to retrieve the funds.

I just want the funds thats in the account and let the account be closed. 
Penfedaccount # 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 explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights.

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 2022-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number 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 in account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number 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 in account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: PR

Complaint narrative:
I dispute this account and never get and answer, this account is not my is fraudulently open.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis refused to accept my proper method of identification I have submitted. This is XXXX XXXX. This is a statement verifying my identity along with my proper identification. I would like to receive correspondence at the address XXXX XXXX XXXX, XXXX NY XXXX listed on my ID. Any future correspondence from this day forward is from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: PA

Complaint narrative:
Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 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 : 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 2022-04-12 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent XXXX, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still XXXX  won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian shows a HELOC account which was paid off and closed by the bank as still being open with a large balance of {$170000.00} on my account. The bank has not been helpful and has closed off my online banking access to my statements so there is no documentation that I can use to prove that the account has been paid in full and closed. 
I filed a dispute with Experian, reporting that this debt is not owed, expecting that the inquiry from Experian would prompt the bank to report that the account is paid in full and closed. Within a few days, Experian reported that the bank indicated that the information as reported is correct, which it is not. I called Experian and was told that my only options were to file another dispute ( for what purpose I do not know ) or to contact the bank ( which I have already done and which they have done but have not gotten corrected information for my credit report ). I was also told that the bank did not have to provide any proof that the debt was owed. Clearly, no investigation was done by Experian about the validity of this debt which remains on my credit report. 

I asked who I could file a complaint with about this credit reporting issue and was told that Experian did not have that information and that they had no obligation to tell consumers where in the federal government they could file a complaint. I asked to speak to a manager and was on hold for quite a while before I was told that he could not find a supervisor to talk with me and that he had no obligation to tell me where to file a complaint about Experian.

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 2022-04-12 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: FL

Complaint narrative:
In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights. 

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 non-monetary relief
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights. 

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 2022-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. Experian and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: AR

Complaint narrative:
The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, TransUnion and XXXX all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-12 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: AR

Complaint narrative:
The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with XXXX Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, XXXX and Experian all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation