vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXX  I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX XXXX. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX. 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXXXXXX XXXX Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

CERTIGY PAYMENT SOLUTIONS, LLC... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically 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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Hello, Experian is showing 1 student loan on my credit report. 3 credit cards. I actually have 4 student loans and 3 credit card accts, for a total of 7 accounts. On XX/XX/XXXX Experian ( closed 2 of my XXXX, XXXX XXXX XXXX XXXX  accts ) decreasing my score by XXXX. These XXXX XXXX XXXX XXXX  accts are " Installment Loans '' and are suppose to be listed on my credit report. On XX/XX/XXXX I filed a dispute with Experian. On XX/XX/XXXX my score increased by XXXX. On XX/XX/XXXX my score decreased by XXXX. I called Experian, mentioned my dispute regarding my accts closed, asked why my loans were closed. CSR said they're not showing closed. I explained they're obviously closed on my end, that's why I'm calling. Tried to dispute online, it wouldn't allow another dispute regarding the same matter. XX/XX/XXXX my score was decreased again by XXXX. So, I sent paperwork ( certified ) on XX/XX/XXXX to dispute this incorrect information regarding my 2 XXXX XXXX XXXX XXXX  ( XX/XX/XXXX deferred ), are deferred ; however, I've still been paying them monthly. They have decreased by score a total of XXXX by closing my 2 XXXX XXXX XXXX XXXX  ( Installment loans ) accts Experian has decreased my years of credit history for my XXXX Dept of XXXX XXXX XXXX XXXX XXXX  ; therefore, decreasing my actual score. As of XX/XX/XXXX, Experian disputes are done. Nothing has been added! My credit report still reflects only 1 student loan and 3 credit cards, 4 accts when I actually have 4 student loans and 3 credit cards for a total of 7 accts. I talked to a CSR at Experian today, XX/XX/XXXX, I asked why my Direct XXXX XXXX XXXX were closed, she said, She sees only 2 loans. She said, Experian is reporting what XXXX is sending them. She didnt go any further with my other 2 loans not being on my report. I told her I'm paying all 4 of my loans monthly. Obviously, I know how many loans I have. I called XXXX, the CSR said there were no disputes through Experian in their system. She said, they are reporting every month and all of my loans are open not closed. XXXX, XXXX, XXXX are showing all of my loans open as well. Experian Dispute Report # 's, 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 2021-11-03 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: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
1. I went to the XXXX XXXX XXXX XXXX dealership ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ) to look at the new models on XX/XX/XXXX. 
2. A sales agent talked to me ( XXXX XXXX ) and requested basic information about name, phone, etc. 
3. On FOUR occasions during our talk I stated emphatically that I did not want a " hard pull '' or any attempt to obtain my credit report, as this would impact my credit rating and Fico score.

4. She agreed each time and directly told me she would not take a credit report or a hard pull that affects credit.

5. Nonetheless, she gathered enough information so that she indeed DID, deceitfully, obtain my credit report.

6. She further shielded this by NOT giving me any credit numbers, but saying I was " approved. '' 7. On returning home, I did of course discover on my various credit-following apps that there had been a credit reported pulled, AND that my credit score diminished.

8. On phoning her back the next day, she again DENIED that she had done it, or that my credit rating was affected in any way!

9. I was told that the sales manager ( XXXX XXXX XXXX XXXX XXXX ) would " get back to me. '' No one has since that day. 
10. I contacted the owner/president of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and described the situation. I have not had any response. 
I am in the process of trying to have the consequences of this illegal and deceptive action reversed at the credit bureau, but there is no resolution at this point.

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 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
ON XX/XX/XXXX. WAKEFIELD AND ASSOICATS, SENT ME A TEXT MESSAGE REAGRDING MY PAST DUE BILL, I THEN CALLED THEM AND OPTED OUT OF TEXT COMMUNICATIONS. I THEN RECVD ANOTHER TEXT MESSAGE XX/XX/XXXX FROM THE SAME COMPANY. THAT IS A DIRECT VIOLATION OF THE FDCPA ( UNFAIR OR ABUSIVE PRACTICES )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was checking my credit report and I notice 5 collections were added to my report from Ars I have never received any notification of this debt by mail or phone.

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 2021-11-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I initially contacted Experian the 3rd week of XXXX to remove dispute comments from 3 accounts on my report ( these accounts have been closed for some time ). After 3 subsequent requests, they were removed. However, about the first week of XXXX, an account which is open/current and had never been disputed or had such comments, reflected negative comments/remarks when my lender ran my report. I have contacted Experian repeatedly and have been told that they don't see any comments/remarks on their end on my report. They continue to send me 'new ' reports clearly reflecting these comments/remarks. On or about XX/XX/XXXX, I spoke with the membership department for Experian and they told me that they could see the comments but didn't have access to make changes to the report. I was transferred back to the dispute department who again told me that the comments had been removed. I requested to speak to a manager and was told that one would call me. Twice. I've yet to receive a call. This lack of resolution has delayed my refinance for almost 3 months now. In my last communication with them on XXXX, I explained that the plethora of new reports indicate an investigation date of XX/XX/XXXX though I have initiated several since that time. I indicated that maybe whatever was not updating the investigation date, may also be the reason my report isn't updated when it is printed out and sent to me by them or printed by my lender. I was told for the umpteeth time " Ma'am, it's not there. I can send you another report ''. My last call to them was XXXX in regard to a report I received pursuant to my call on XX/XX/XXXX. The comments/remarks are still there. Please see the 3 most recent attached reports clearly showing the remarks/comments ( circled ), Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
I have received a debt collection report to my credit score from a compnay called Credit Management LP. So, it says that the original creditor is a company called XXXX XXXX in Texas. I have never been in TX. 

I dont know why is this report on my account. then, I called to Credit mamagement to get copy of the invoice and they said " that they are not longer holding that account '' I should contact XXXX '' but, the report still on my credit report. Then, I called XXXX requesting copy of the Invoice of the service and I have not received anything yet. All they told me is that was " a Service in TX '' So, it shows perfectly that it is a fraud affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to Transunion on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO TRANSUNION, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )

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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I am a XXXX XXXX legally residing and working in the XXXX. Each month I send money from the XXXX to my father in the United States to pay for my health insurance coverage. Funds are always sent via MoneyGram and, when sending, I am required to present both my US Passport and XXXX XXXX XXXX XXXX XXXX of Registration ID card as verification of identity. My father also has to present identification documents when picking up these funds. There has never been an issue with a money transfer until now. 

On XX/XX/2021 I initiated a MoneyGram International Money Transfer through XXXX XXXX a MoneyGram Authorized Agent at XXXX XXXX in XXXX XXXX, XXXX for pickup in XXXX XXXX XXXX, Texas, United States. The transaction was accepted and receipts were provided, along with a reference number. However, once my father attempted to pick up the funds, he was informed that additional information was needed and was referred to the sender for additional information. 

On XX/XX/2021 I contacted MoneyGram and was informed that my transaction was blocked due to " the destination country being classified as high risk due to numerous fraud reports being made. '' No additional information was provided. I was informed that a refund would be issued and no further assistance would be available.

I have since attempted to pick up the funds which MoneyGram claimed was available for a refund to no avail. I have also attempted to contact MoneyGram and they refuse to provide any additional information pertaining to this situation.

Respectfully, I request intervention from the CFPB as I believe MoneyGram failed to deliver on a legal money transfer order. Documentation for this transaction and all transactions I have made through MoneyGram can be provided to establish the legitimacy of the transactions. Further, I request that my transaction be sent to its intended recipient without further delay, or that a refund and compensation for my inconvenience be made available to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. 

XXXX XXXX XXXX XXXX {$8700.00} 15 U.S. Code 1692 consumer im not obligated to pay any debt.

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 2021-11-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I purchased a airline ticket with points at Chase XXXX XXXX XXXX. I spent XXXX. As the flight date neared I realized I had not received any notice from XXXX Rewards or the airline ( XXXX XXXX ) about the trip. 
When I called XXXX they did not have tickets for me. I then called XXXX XXXX XXXX XXXX to find out what happened. I was passed among the departments for literally hours ( approximately eight to ten hours over two days ). They never helped me in any way to resolve the lack of a ticket. 
I ultimately made another reservation on XX/XX/2021 and took the flight. This time it cost me XXXX points. 
The reservations in both cases were for the exact same flight, at exactly the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
I have reached out to BMW Financial services multiple times to explain that they are reporting late payments incorrectly on my report. Even though I have requested information on the dates that I paid versus the dates that they received payment, they continue to inconsistently report the late payments across the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/VICSCRT is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding multiple attempts to dispute inaccuracies being furnished on my credit report by XXXX XXXX. I asked that Experian verify the accuracy of the disputed account because all they keep doing is saying that " the account was verified without providing actual proof of said documentation to prove otherwise. '' I asked that they, Experian, provide me with a copy of the verifiable proof that they have on file within 30 days and if they don't then they have to delete it per the FCRA 15 U.S.C. 1681i.

They never sent me anything and stated that the account was verified and accurate under the dispute on my 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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I was sent an email to apply for Carnival Credit Card. In XXXX I was sent a letter with instructions to send a copy of driver license social security card and untillity bill. I got the same letter the next month. I sent the information again.the next month I received th same letter, all with the month changed. So I called an was told that they could not read the information So I sent an enhanced pitcures and got the letter again. By now it has XXXX I sent another response? 
letter and the enhanced copies. I recieved it again in XXXX. When they see my picture and I am XXXX XXXX am I being discrimated against?

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