vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Municipal Collections Services, Inc.
State: IN

Complaint narrative:
I received mail from Municipal Collection Services, LLC. ( MCS ) stating that I owe their client XXXX XXXX XXXX XXXX for a ticket. I have no knowledge of this ticket. I am disputing the validity of this debt that I'm alleged to owe. 

MCS is stating that this alleged debt has been referred to them. I have no idea what a 'referred " debt means as it relates to me being asked to create an account with MCS and making a payment for a debt I have no knowledge of. The letter also says their office will provide the name and address of the original creditor, if different from the current creditor, but the letter never names any creditor. 

It seems these are deceptive and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XXXX XXXXXXXX XXXX  XXXX sent me a letter stating XXXX  now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from XXXX stating XXXX XXXX XXXX has required this alleged account. None of whom I have ever contracted with, it also stated XXXX XXXX XXXX XXXX is the master servicer for XXXX XXXX XXXX, also never contracted with. 
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX XXXX who claims to have purchased this alleged debt from 12 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXXXXXX XXXX XXXX COMENITYXXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXXXXXX XXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness.

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7. 

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ).

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well.

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-12 00:00:00
Product: Credit 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: NY

Complaint narrative:
Summary I paid for a 10 hour event but only managed to get into the event 1 hour before its closure. The organizer is not responding to my refund request and my bank refused to open a dispute. 

Details I paid {$600.00} ( two charges of {$300.00}, one on XX/XX/XXXX and the other on XX/XX/XXXX ) for XXXX tickets for XXXX XXXX XXXX XXXX XXXX XXXX music festival that took place on XX/XX/XXXX with my Chase credit card. 

XXXX was supposed to be a 3-day event from XX/XX/XXXX to XXXX. After canceling the first day of the event on XX/XX/XXXX, the organizer pushed back the event start time from XXXX to XXXX on XX/XX/XXXX. Upon arriving at the venue around XXXX, I was told the only way to get my ticket was through the XXXX XXXX tent, which had an extremely long line. 

After waiting for 3 hours without food, water, or restroom, two of my friends left and never got their tickets. I waited in line for 4 hours with another friend to get our tickets and by the time we got into the venue it was past XXXX and the event would end at XXXX. I essentially got an one hour experience after paying for 10 hours. 

This is clearly unconscionable trade practice based on the NYC CONSUMER PROTECTION LAW, which defines unconscionable trade practice as Any act or practice in connection with the sale, lease, rental or loan or in connection with the offering for sale, lease, rental or loan of any consumer goods or services... which results in a gross disparity between the value received by a consumer and price paid, to the consumer 's detriment. 

The event organizer never responded to requests for refund from me and my friends and the credit card company Chase refused to open a dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
These inquiries have been added to my credit report without my authorization! 

CITI CARDS CBNA XX/XX/XXXX  XXXX XXXX XXXX XXXX  I disputed them with the creditors and credit bureau but they remain on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AMEX XX/XX/XXXX  I disputed them with the creditors and credit bureau but they remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-09-12 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX  8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute and request correction of several inaccurate late payments that are currently reported on my credit report. These late payments are affecting my credit score negatively, and I believe they are unjust and need immediate rectification. I have attached copies of my credit reports from XXXX and Transunion Credit Bureaus to this letter for your reference, which clearly show the inaccuracies I am disputing. I would like to bring to your attention that I have never been late on these accounts, and the late payments reported are erroneous. I have always made my payments on time, and I have documentation to prove it, including bank statements and payment receipts. Therefore, I am formally requesting that you investigate and correct these inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. I kindly request that you : 1. Conduct a thorough investigation into the accuracy of the late payments on the mentioned accounts. 2. Contact the respective creditors to verify the accuracy of the late payment information. 3. Correct the information on my credit report to accurately reflect my payment history. 4. Provide me with a written response outlining the results of your investigation. I understand the importance of maintaining an accurate credit report, and I am committed to resolving this matter promptly. I kindly request that you complete this investigation within the time frame specified by law. These are the following accounts needs to be corrected in question : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX Balance Owed : {$28000.00}.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXXXXXX XXXX XXXXXXXX. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

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