vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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: NV

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 non-monetary relief
Consumer complaint received 2022-10-30 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: NV

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau stated that this account was properly re-investigated. Yet, they refused to provide the full disclosure that I requested per my rights via the Fair Credit Reporting Act. They sent another vague, verified letter, and supervisors refused to disclose the info used in their re-investigation. How was a proper investigation conducted when this random charged-off account now reflects an altered open/active status XX/XX/2022? ( confirmed with multiple Transunion special handling supervisors ). TransUnion removed the " Date Closed '' section from the recent verified results letter. I have all proofs. This is grounds for removal as they violated my rights according to : 15 U.S.C 1681 A - definition ; rules of construction. 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 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.

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

15 U.S.C 1681 Section 804 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

No payments were ever made to this creditor in accordance with their reported charge off date. Closed charged-off accounts can not be re-opened. Bureaus and creditors can not use illegal tactics to negatively effect my score twice to intimidate me into validating a random debt with payment. XXXX and XXXX have deleted this erroneous account. Please have Transunion follow through with deletion.

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 2022-10-30 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: LEXISNEXIS
State: NV

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — Store credit 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:
Respected Sir. XXXX XX/XX/XXXX I purchased item from XXXX & return authorization by seller amt {$870.00}. Seller refund XX/XX/XXXX XXXX XXXX recharge again XX/XX/XXXX Same amt. I send return usps receipt return Tracking # XXXX Dt XX/XX/XXXX @ XXXX XXXX XXXX ID : XXXX. 
XXXX ID : XXXX I try to solve but XXXX credit card company not help & hold So please kindly refund full credit because item already seller received & delivery by usps attached copy for ur kind atten quickly. I already send to XXXX dispute XXXX also.still no response yet.Thats why I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attached a Chase Freedom credit card to my XXXX account to make payments. When I make a payment, I am asked to agree to a 3 % charge before proceeding and I agree to that. 
When I received my latest credit card statement I saw that for each XXXX payment I made, a {$10.00} fee was charged. ( This month {$60.00} in fees. Next month 's statement I saw online there were {$110.00} in fees ). I did not agree to these fees and was unaware that I would be charged. 
I called the credit card and customer service told me that I would have to contact XXXX because they made the charge as a cash advance. The agent told me that Federal regulations would not allow him to reverse the fees. 
I contacted XXXX and was told that I would need to contact the credit card compant regarding the fees as they are who received the fees, not them. 
I called Chase Freedom again and a customer service agent told me that he could give me {$13.00} toward the fees. I declined as I believe all of the fees should be returned. He said he could not do that. I asked for a superviser and she told me that she " was not allowed to waive the fees ''. 
Had I known about these exorbitant fees I never would have attached my credit card to my XXXX account. Needless to say, I will no longer use XXXX as a means to pay others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: GA

Complaint narrative:
15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( XXXX ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS 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 2022-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: CO

Complaint narrative:
Letter was sent from a company that does not exist. Attempted to collect debt from a credit card I never had just so they get my info and steal my number. 
Northstar location services is a scam. Ive never had a XXXX XXXX that I owe money on. The letter was fake as is the company. People online have received similar letters and have commented on it as a scam also. The local address does not have record of the business existing there. Yet the financial service department is in New York. XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX was taken out of my account on XX/XX/XXXXwhich was a scam I never recieved any item for money that was taken, 2nd XXXXtransaction taking {$150.00} from my account was never authorized by me at anytime, bank says they find no error I just had XXXX of my money given away bank declines to reimburse. These are known scams through XXXX, bank not honoring, then exactly how are they protecting my money?

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 2022-10-30 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

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

15 USC 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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX XXXXXXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX XXXXXXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, 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 2022-10-30 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: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Transunion to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )

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 2022-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to : Wakefield & Associates To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { Wakefield & Associate }. I have received a response that clearly violates my rights according to HIPAA. { Wakefield & associate } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { Mercy Health West } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. Wake field and Associate on my XXXX/XXXX/XXXX for {$890.00}. I have no knowledge of this debt and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Equifax to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation