vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NM

Complaint narrative:
We called IQ data international about a report on XXXX XXXX credit. The court documents we have regarding the debt owed did not match what the collector was saying, call got disconnected before we could agree to a settlement amount. upon further consideration we wanted to confirm the amounts were accurate before paying almost 5k and the collector then became irate, would not let us finish, refused to send us any type of validation for debt, said we could just negatively let it hit our credit, after mutliple conversations with my wife they then told her they wouldn't speak to her because it " wasnt her debt '' and screamed at the phone that they " renig '' theyre offer and to have XXXX call. We made attempts to validate this debt and they refused. The minute we questioned the validity of this debt and wanted proof in writing they because absolutely Irate. my wife never gave them permission to call her cell today XXXX and they did for the debt but then when she had a question they refused to talk to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: MO

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-03-02 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: MO

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-03-01 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: GA

Complaint narrative:
EQUIFAX TO Whom this may concern, Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER. 

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EQUIFAX any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose.

EQUIFAX did not RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a ( 4 ). EQUIFAX sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

Under 15 USC 1681c- Requirements relating to information contained in consumer reports.

EQUIFAX included a MEDICAL BILL on my consumer report which is a violation of 15 USC 1681c ( a ) ( 6 ) AND ALSO PRESENTS A HIPAA VIOLATION I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED. I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EQUIFAX TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX - ACCOUNT # # # # XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX {$180.00} 4. ANY OTHER XXXX PARTY COLLECTIONS I would like to state that pertaining to 15 USC 1681 ( a ) that the banking system id depended upon fair an accurate consumer report. BY EQUIFAX VIOLATING LAW, it has cause me to lose confidence in the banking system. 

IF EQUIFAX WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Money was hacked out of my account and no one from Truist will help me and Ive been on hold for 7 hours. They keep hanging up and just leaving me on hold in a loop for hours straight. I just want my money back so I can take care of my family.

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 monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
A request was made to provide me with a HIPPA Certificate for debt i do not owe, rather the company provided me with a document containing my forged signature. 
Company has violated my HIPPA rights, and will be responsible for issuing a false document. Hippa violations are serious violations and will result in major fines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-02 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: MS

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I received an alert on my experian account that a collection was added to my credit report by CBE Group XXXX XXXX XXXX XXXX XXXX, IA XXXX. There was a payment on my XXXX XXXX account for {$70.00} on XX/XX/2022 confirmation # XXXX. There was also another payment made on my account for {$91.00} on XX/XX/2022 confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase ( Chase ) withdrew money from my mortgage escrow account to pay unsecured property taxes that were at no time my legal responsibility under California Law. The taxes in question were unpaid supplemental property taxes owed to XXXX XXXX of XXXX by the former property owner ( NOT ME ) and were not secured by the mortgaged property. Chase had no valid business reason to pay this property tax bill with my money, let alone without my knowledge or consent, and I will not be held financially liable for their careless mistake. Chase owes me a full refund in the amount of {$750.00} as complete reimbursement. Nothing in the mortgage I signed requires me to pay someone elses debts and I will not do so here. 

Below is a timeline of key events : On XX/XX/XXXX, XXXX XXXX XXXX XXXX notified me that XXXX XXXX of XXXX had moved to the unsecured roll unpaid supplemental property taxes, which XXXX XXXX had categorized as Secured erroneously. 

On XX/XX/XXXX, JP Morgan Chase ( Chase ) became the servicer of my mortgage, including escrow account. 

On XX/XX/XXXX, Chase paid " delinquent '' taxes to XXXX XXXX of XXXX using funds in my escrow account. Total amount withdrawn : {$750.00} On XX/XX/XXXX, I noticed the inappropriate escrow transactions while scheduling my mortgage payment. I contacted the property tax department and spoke with a representative named XXXX. I explained to him that I did not owe the taxes Chase paid and there was no unpaid, secured taxes due on my property. He opened a ticket and stated Chase would respond after an investigation. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with a representative named XXXX XXXX. She indicated the allowed review time had not passed and there was no update. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with an individual named XXXX XXXX. She indicated the ticket had not been addressed and that she would escalate it. She noted that I should follow-up later in the week. 

On XX/XX/XXXX, Chase mailed me a letter stating we found that your account is in good standing and that there is no refund available for the [ ] parcel ( XXXX ). This is an unacceptable conclusion. Chase made a clear error and is financially responsible for returning the money withdrawn from my escrow account inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I purchased a XXXX XXXX XXXX from formally XXXX now Bridgecrest XX/XX/XXXX I made a down payment of {$2500.00} on XXXX dollar car which should have took my balance to {$8300.00} however I ended up with paperwork saying $ XXXX I made all of my payments on time until running into hardship with having to get the car fixed as well as the car was picked up and serviced for a recall I reported to XXXX after few weeks that I had began to smell gas fumes I didn't feel safe continuing to drive the car I asked to be assisted in getting another car or returning the car I was told by XXXX that I could return the car when I purchased it if I was unhappy with no further obligations due to begin a buy here pay here lot when I tried to do so while looking for another car due needing to continue to get to work bridgecrest would not work with me and told me the information that XXXX XXXX gave me was inaccurate and that I still needed to make payments on the car even when it was in the shop so after not getting help I decided to return the car on XX/XX/XXXX there were issues after another with this car I was sold a lemon after the car was return the car was resold without notice neither was I given a balance all warranty contracts were canceled in XX/XX/XXXX and money was applied back to the balance of the car. there is no way possible that I should owe $ XXXX own a car that I do not have and this was thrown on my credit report with out proper notice this is against the CFPB however on XX/XX/XXXX I requested a 10 day payoff to see what the balance was after canceling all the auxiliaries that was never told to me that i was purchasing until I read the paper work the balance came to XXXX on XX/XX/XXXX as I was still making payments on this car before returning prior to XX/XX/XXXX there is no way that this should be on my report nor should I owe them anything I have reached out and tried to resolve with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: KS

Complaint narrative:
On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled for a mortgage pre-approval request. On XX/XX/2022, I sent a debt validation letter to Merchant Adjustment Services via certified mail. On XX/XX/2022, I received a letter from Merchant Adjustment Services. Contained in the letter was not a validation of debt, rather, I received a list of the medical records in direct violation of XXXX regulations. I never signed an authorization allowing access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Technology, Inc.
State: CA

Complaint narrative:
Keep getting hits on my credit report for inquiries that were not requested or originated by me. Inquirer is XXXX XXXX XXXX based in XXXX, CA. I have tried reaching out to them to get more information but the phone number listed doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
XX/XX/XXXX, cancellation of PMI was requested. I have not received any information regarding my request. I requested that my account be created since I am a survivor in interest on the account. I have no means to log into my account and check any balances. This is the worst mortgage servicer!

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 2022-03-02 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: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}

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 2022-03-02 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Unfortunately, I had just gone through the CFPB with an issue I had with TD Bank reporting to XXXX a hard inquiry on my credit report. TD Bank responded to the CFPB that they would remove the inquiry from my XXXX report. They explained to please allow up to 60 days. Sadly it has been past the 60 day due date. This evening I called and spoke to the same representative XXXX whom I had spoken to originally. She said that she could see nothing on her end in computer system. I want TD Bank to now remove this from my credit report immediately. I have copy and pasted their previous response to the CFPB previously. 

We requested removal of the inquiry and the attached letter was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : We have received your complaint to the Consumer Financial Protection Bureau regarding a TD Credit Card application, completed online on XX/XX/2021. We completed our investigation and confirm that you did not complete the application process initiated via the internet on XX/XX/2021. As a result, we have sent an update to the credit bureaus requesting for the inquiry to be removed. We apologize for any inconvenience caused by the reporting of the inquiry. Please allow 60 days for the inquiry to be removed from your credit reports. If you have any questions, please contact customer service at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.

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 2022-03-02 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: NY

Complaint narrative:
I have sent letters to credit bureaus for outdated and inaccurate information to be removed off my credit report. I didn't get any response within 30 days. All three credit agencies did not respond.

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 2022-03-02 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: FL

Complaint narrative:
My attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation In accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 If the UNVERIFIED Items listed below are not deleted immediately.

Your failure to respond within 30 days of receipt of the verified letter may now result ln a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial injury

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