vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
/-/-/-/-/-/- The original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The original transaction occurred on XX/XX/XXXX XXXX 
The quoted amount and payment arrangement differ from the actual bills from the following 12 months. I was billed a much higher amount, under a term neither disclosed to nor acknowledged by me. 
I cant not tell the exact total amount, as that figure was not reflected on multiple incoherent invoices. I was led to believe at the time of service, that my remaining balance is {$0.00}, after my initial co-payment and on-going insurance payment. 

I hired XXXX XXXX on XXXX to assist me in resolving the billing discrepancy. XXXX XXXX XXXX XXXX XXXX XXXX was not responsive in the following attempts to communicate. I was told by XXXX XXXX that after initial contact, none of the following XXXX phone calls over a period of 3 months were returned. 

On XX/XX/XXXX, I sent a letter to company XXXX XXXX XXXX along with a check for insurance payment I received up to that point. In the letter, I requested a copy of the sales agreement I agreed to prior to receiving the equipment, along with any advanced notices and consent forms I am required to sign, per state and federal laws. 

The check was cashed 6 days later, but the information requested in the letter was never provided. 

/-/-/-/-/-/- The debt collector is : SIMM Associates , Inc . 
XXXX XXXX XXXX XXXX, DE XXXX Amounts claimed by SIMM is {$600.00}. 
On XXXX, I requested debt validation. The collector did not provide a response is 30 days as required by the Fair Debt Collection Practices Act. 

I requested the following information from the collector : 1. Your credential, license numbers and Registered Agent that entitle you to engage in debt collection activities in the State of California and the XXXXXXXX XXXX XXXXXXXX. 
2. Proof of any assignment or transfer of the alleged debt, including a copy of the assignment agreement.

3. The name, address and contact information of the original creditor.

4. The correct original account number.

5. The date ( s ) the alleged debt was incurred.

6. Any sales agreement ( s ), payment agreement, payment already made, complete and itemized bill associated with the debt that I agreed to.

7. Proof of my receipt and acknowledgement of any advanced notices, consent forms mandated by federal and state laws relating to the specific product and services provided.

8. The amount claimed, including any fees or interest charges.

9. Proof that the product and/or service has been provided according to the sales agreement above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I receive a notification on my credit report of a new credit card open under my name I immediately contact the company and told them that I didnt authorize for the credit card to be open and that is fraud they ask me a few personal information and they couldnt find anything they also ask me for my social security number and I told them that I wasnt going to release that information I immediately did a dispute through XXXX , also I have a notification from my one of my credit card that my email was compromise on that Dark Web Im having also other issues someone open a checking account online through XXXX  XXXX XXXX XXXX immediate contact the bank and spoke to someone in the Fraud department they close the account immediately, and still having some issues because they try to open a checking account again, I want to issue XXXX XXXX resolved Im a victim of a Fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX Transunion RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, 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 2023-05-03 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Disputed amount for {$240.00} due to being sold fraudulent tickets from XXXX and provided screenshots of the tickets, the issues that were supposed to be resolved by XXXX, and proof that the venue was unable to take the tickets. After multiple attempts to get this resolved, Goldman Sachs continued to side with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
The office of Bursey & Associates , P.C . in XXXX Arizona while contacting my about a debt in collections for XXXX XXXX XXXX sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I determine the accounts listed below be removed because according to 15 US C 1681 : I have the right to privacy and I did not give Equifax within permission to furnish the accounts Equifax Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : XXXX XXXX XXXX Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : XXXX XXXX XXXX Condition : XX/XX/2023 XX/XX/2023 XX/XX/2023 Responsibility : Individual Individual Individual Remarks : Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1100.00} {$1100.00} {$1100.00} Type : Credit Card Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$180.00} {$180.00} {$180.00} Type : Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> unkown XXXXunkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1600.00} {$1600.00} {$1600.00} Type : Charge account Charge account Charge account Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend XXXX> unkown XXXXXXXXunkown

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one joint checking. I had POA, and joint ownership of the acct. My Mom was in XXXX. I swept cash from XXXX XXXX into the acct in question. Then began moving it out and the actions were deemed fraudulent. I called to resolve the issue yesterday to no avail. Today I'm informed the bank has ceased business with me and locked the funds. My Mom died on XX/XX/XXXX and XXXX cant access the account nor close it. I am XXXX of XXXX designee and her heir per the XXXX. The bank is unhelpful, with further steps or actions to resolve the issue. I will have certified XXXX Certificates in the next couple weeks. I want to close the account and move the funds elsewhere. I have private care bills, pending income tax, and other business to resolve post death.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Attention credit bureau I am writing to dispute the collection that recently returned to my credit report after it had been removed. According to the fair credit reporting act, the collection should not have returned after the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: IL

Complaint narrative:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 

Also in addition to Sectio

n 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance du
e to this inaccurate information reporting. 

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 

Accounts there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL 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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
In response to a notice I received via a posting on my credit report dated XX/XX/ from SYNERPRISE CONSULTING I sent a letter dated XXXX  requesting that they provide me competent evidence that I have any legal obligation to pay them. Additionally I required them to meet specific outlined requests as to what the debt validation should include. I reminded them to be advised that this was not a refusal to pay if this alleged debt is legitimate, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I waited for 30 days and had not gotten a reply back yet. On XXXX  I sent an additional letter referring to the previous letter and still have not gotten a response back. This company violated my rights, willfully and knowingly dishonored my presentments. They neglected me as if my communication meant nothing to them while still reporting negative items on my credit report which in turn caused me to have a higher interest rate on my home loan. These effects have future damages which all derive from their negligence and incompetence. I am of the opinion that this should be resolved by having SYNERPRISE CONSULTING delete my account along with all reports and records referencing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: PR

Complaint narrative:
The Equifax credit agency on the aforementioned dates from XX/XX/ I presented XXXX ( XXXX ) disputes with an age of more than 7 years related to credit cards and I requested that they be deleted from my credit and they do not proceed to carry out my request where according to my best understanding they did not remove it from my history. 
At the time of filing the disputes, the aforementioned credit agency lowered my rating, understanding that they were abusive and arbitrary since the same complaints improved my score. 
These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In the dispute presented to XXXX XXXX I do not agree with the classification they selected since the account was settled. In addition, I request that any other account with more than 7 years be removed from my credit history and my score that they lowered me be restored and updated as established by law, if I have rights in relation. 
This action on the part of the Equifax Agency has caused me a lot of suffering due to its attitude and arrogance. I request on behalf of this subscriber to be right in my claims that my claims can be resolved. Since to my best understanding based on the law I make this claim before your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX Experian RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed a complaint against Navient to the XXXX for continuously reapplying an old closed account to my credit report for over 10 years. 

Navient sends me a new bullying email using info from my XXXX complaint. I emailed the XXXX about my concern that Navient was not using the arbitration steps required for this complaint process. 

The XXXX closed my account and listed my failure to respond as the cause. 

The XXXX only sent me XXXX emails, the first to open the account and the second to close the complaint, see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Delete and remove off my credit asap

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 2023-05-03 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: TX

Complaint narrative:
Delete and remove off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MN

Complaint narrative:
XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) and XXXX XXXX ( Acct # XXXX ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also Siting XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

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 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Interest rates are rising helping banks earn more yet the seniors who have their money in their checking and savings accounts are not gaining much interest as the rate at most banks is .01 % interest being paid out. I think it's time that the seniors get what owed them by a higher interest rate on their money in savings and checking accounts. Thank You. 
XXXX XXXX Banking at 5/3 bank in TN

Company response to consumer: Closed with explanation