vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VI

Complaint narrative:
On XX/XX/XXXX, I sought a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. The office visit was with a doctor in the XXXX XXXX XXXX XXXX XXXX, and was also a referral from my personal care physician. This visit was 100 % covered by my spouse 's employer 's Employee Assistance Program XXXX XXXX XXXX ). 

A year after the visit, XXXX XXXX XXXX XXXX XXXX sent me a delinquent bill notice in the mail. After following up with both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, it was determined that the provider ( doctor ) had improperly and illegally double billed for the service. XXXX had paid XXXX XXXX XXXX XXXX XXXX in-full, and no money was owed. This original debt was for over {$100.00}. 

On XX/XX/XXXX, I received a debt collection notice in the mail from Asset Care, stating that they had been sold this debt and were attempting to collect it. This time, the debt listed is {$20.00}. XXXX XXXX XXXX XXXX XXXX sent a six year old debt for {$20.00} to a debt collection agency. 

Since the time that the debt was deemed to be paid-in-full in XXXX until XX/XX/XXXX, I had received no correspondence from XXXX XXXX XXXX XXXX XXXXXXXX regarding this supposed debt, even though I had continued to use their services during that period. Following the notice of collections, I have attempted several times to get an explanation of the debt from XXXX XXXX XXXX XXXX 's billing department, but they have refused to discuss it, saying that they sold it and can not assist me with anything. They have told me to contact their " Patient Advocacy '' line at XXXX. That is NOT a patient advocacy line. That is a phone number for the debt collector ( AssetCare , LLC ). 

Not only are they creating fake debts, they are also misleading patients into contacting a debt collector under the guise of speaking to a patient advocate. 

Essentially, they made up a fictitious debt, never notified me of it, waited for several years for it to become delinquent, and then sent it off to collections to attempt to tarnish my credit and image.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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:
TransUnion, Please see attached - I was a victim of identity theft and theres fraud on my credit report that needs to be fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mortgage was paid in full after COVID forbearance as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments were paid. I need late payments removed. Me and my wife are survivors of the XXXX pandemic. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: DE

Complaint narrative:
The following inquiries are fraudulent and need to be removed from my credit report immediately, someone has been applying for credit in my name. When I contacted the companies listed below and the three credit bureaus they were unwilling to assist me with getting these fraudulent inquiries removed from my credit report. The following inquiries are fraudulent and need to be removed immediately from my credit report : 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 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 2023-08-18 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:
I received my credit report on XXXX XXXXand notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be 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 2023-08-18 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them 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 explanation
Consumer complaint received 2023-08-18 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX my son was XXXX XXXX XXXX XXXX XXXX, and we received a check from the insurance company. I opened a custodial account for him on or about XX/XX/XXXX at XXXX XXXX  with both of our names on it. Over the years the our account ended up at Chase bank, and at some point it became a CD account unbeknownst to me why, and at some point his name was dropped, as my name was the only name showing on the statements. My Son passed away XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX at the XXXX ca branch and spoke with XXXX, I went to Chase to close the account. I was told by him after he made a call to discuss my request I was told the account was court ordered. I requested a copy of this alledged order. I was told because this account was over 30 yrs old the banking records and how things are handled are different and was told that between the transfer of funds from bank to bank there were no records, and no records of my Son 's name, just my name, they couldn't find any information for my Son. I returned to the bank with proof of a statement sent to me from Chase bank with both of our names on the statement so at this point he called the escalation dept and spoke with XXXX who after checking i was told again there is no record of this account being a " joint/custodial '' account and their only record is it being a court order and my name only on the account. I was frustrated but kept my cool. XXXX went and spoke with XXXX XXXX, the Bank Manager. XXXX XXXX invited me into her office to get an understanding of the situation, and I was told by XXXX to bring the copy of the statement and my Son 's death certificate and she would write an escalation letter on my behalf. I received a call from XXXX mid XXXX to regurgitate the same response. My name is the only name listed on a 30 plus account that contains banking errors. Why do I have to suffer and feel like a human " ping pong '' ball? I am asking for your help with this issue, please. I think with all of their publicized critism from their current and former customers I am another victim. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: MD

Complaint narrative:
This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing. 

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent. 

I urgently request the immediate removal of this account 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: DISCOVER BANK
State: MO

Complaint narrative:
XX/XX/2023 Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 


Report this account as disputed Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
APPLIED TO INCREASE HELOC TO XXXX TO OLD NATIONAL BANK. SUBMITTED PAPERWORK AND MENTIONED WE WOULD USE FUNDS TO REPLACE DECK. XXXX XXXX IS THE REP AT OLD NATIONAL BANK. MORTAGE LOAN IDENTIFIER XXXX. FIRST LETTER DATED XX/XX/XXXX. WE STARTED TO REMOVE SOME OF DECK TO SAVE MONEY BEFORE THIS. THE ASSOR CAME TO PROPERTY TO ASSESS AND WOULD NOT DO IT BECAUSE IT WAS TO DANGEROUS. WE WERE DENIED THE NEW HELOC AND RECIEVED THE LETTER ON XX/XX/XXXX. THE REASON STATES VALUE OR TYPE OF COLLATERAL NOT SUFFICIENT. XXXX SUGGESTED WE WITHDRAW XXXX BEFORE START OF PROCESS WHICH WE DID. OUR HOUSE IS ALMOST PAID FOR, WE HAVE EXCELLENT CREDIT SCORES, AND AS I UNDERSTAND IT WE ARE USING COLLATERAL IN OUR HOUSE EQUITY. I DO NOT UNDERSTAND. I SUBMITTED A COMPLAINT WITH STATE OF WIS AND THEY FOWARDED IT OFFICE OF THE COMPTROLLER OF CURRENCY. XX/XX/XXXX I GOT A LETTER FROM THEM SAYING IT DOESN'T FALL UNDER THEIR JURISDICTION AND TO SUBMIT THIS WITH 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of these account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes, but you guys refused to remove them I have submitted my police FTC report, with two form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for an account and was denied, pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. UCC 1-308 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: AZ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023

Company response to consumer: Closed with explanation