vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

On XXXX the XXXX, 2024, I received the attached verification letter from Medical Revenue Service, XXXX. The verification letter was from XXXX XXXX XXXX, the consent for treatment was not signed by me but was signed by XXXX XXXX. I XXXX XXXX XXXX disputes this allege Debt in its entirety. 

The verification letter/Consent for service is not signed by me and XXXX XXXX XXXX not a legal representative of mine and was never given permission to sign a consent for service on my behalf. 

I XXXX XXXX XXXX is demanding that Medical Revenue Service XXXX and Atrium Health Mercy provide the signed Advance Derivative by me that gave XXXX XXXX the authority to sign the consent for service on my behalf. 

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of XXXX. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the XXXX XXXX XXXX XXXX against Medical Revenue Services XXXX, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint ( reference number XXXX ) regarding issues with my Apple Card, which I obtained in XX/XX/XXXX for a XXXX XXXX XXXX XXXX My subsequent health challenges and the loss of my wallet, containing both the card and my mobile phone, severely disrupted my financial management. These challenges included hospitalization and a stay at the XXXX XXXX XXXX, as well as travel to XXXX, complicating the resolution of my card issues. Despite these difficulties, my attempts to address the issues were met with indifference by Goldman Sachs, especially regarding the recovery of my phone, which was found at a gas station by an acquaintance named XXXX. Despite no card usage since XX/XX/XXXX and its subsequent loss, Goldman Sachs dismissed my dispute. 

In response to my complaint to the Consumer Financial Protection Bureau, Goldman Sachs agreed on XX/XX/XXXX to credit {$7000.00} for disputed transactions and an additional {$500.00} for XXXX merchant-favored disputes as a goodwill gesture. However, inconsistencies in later discussions emerged, with claims that I owed {$4400.00}, exacerbating my XXXX health issues. Despite their initial agreement, further conversations were contradictory, leading me to file another complaint on XX/XX/XXXX ( reference number XXXX ). 

Goldman Sachs responded on XX/XX/XXXX, stating the crediting of {$7000.00} for unresolved disputes and an additional {$28.00} for XXXX merchant-favored disputes. As a courtesy, they stated that they credited {$470.00} for XXXX past merchant-favored disputes. They also stated that refund checks totaling {$2100.00} and {$470.00} were mailed on XX/XX/XXXX, acknowledging a communication error. 

Despite these claims by Goldman Sachs, I have yet to receive any refund checks. Most importantly, Goldman Sachs reported late payments for XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 90 days past due ), XX/XX/XXXX ( 120 days past due ), and XX/XX/XXXX ( 150 days past due ) to the credit bureau, adversely affecting my XXXX XXXX. These reports do not reflect the severe disruption to my financial management due to my health challenges and the loss of my wallet and phone, and no card usage since XX/XX/XXXX, and the loss of the card. Despite repeated attempts to resolve this through phone calls and emails, which have been met with automated and unhelpful responses over the phone and via email, the inaccurate credit reporting remains unresolved. 

Attached, please find screenshots of my up-to-date credit report from XX/XX/XXXX, showing the late payments and also the automated email responses from Goldman Sachs, asserting the accuracy of the reported information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
CFPB Dispute Letter Template for AR Resources INC Violations Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against AR Resources INC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Nature of the Complaint : AR Resources INC is attempting to collect a debt from me ; however, they are engaging in the following illegal practices : - Statute of Limitations Violation : AR Resources INC is attempting to collect a debt that is beyond the statute of limitations in the State of Florida, which is 5 years. I believe the debt originated on [ XX/XX/XXXX ] and is therefore time-barred from collection. 
- Failure to Provide Validation Information : AR Resources INC has not provided me with the validation information required under 12 CFR 1006.34 ( b ) ( XXXX ) before placing a collection on my credit report. This includes details about the debt, the original creditor, and the amount owed. 
- Denied Opportunity to Dispute : I have not been given a chance to dispute the account according to XXXX CFR XXXX ( c ) ( XXXX ) ( i ). I have not received a written notice of my right to dispute the debt within 30 days. 
- Deceptive and Misleading Practices : AR Resources INC is engaging in false, misleading, misrepresentation, and deceptive means to collect the debt. 
- Unauthorized Reporting : I believe AR Resources INC does not have the authority to furnish the account to consumer reporting agencies without providing all required disclosures. They are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( XXXX ) ( A ). 

Cease and Desist : I demand that AR Resources INC immediately cease and desist all attempts to collect this debt, remove any inaccurate information from my credit reports, and stop all communication with me. 

Requests : - Debt Validation : I request that AR Resources INC provide the written debt validation information required by law under 12 CFR 1006.34 ( b ) ( XXXX ). 
- Purchase Agreement : I request a copy of the purchase agreement between AR Resources INC and the original creditor. 
- License and Bond Verification : I request proof that AR Resources INC is licensed and bonded to collect debts in my state. 
- CFPB Investigation : I request that the CFPB investigate AR Resources INC 's practices and take appropriate action to enforce my rights under the FDCPA and other applicable laws. 

Communication Preferences : I revoke all rights for AR Resources INC to communicate with me through email, text, and calls. All future communication must be in writing and sent to the address above. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Triton Recovery Group
State: CA

Complaint narrative:
The debt collector has sent messages via social media to friends and customers with my name and debt information, telling them they are responsible to repay the debt. 

I have made numerous repayment offers to the collector and have been met with nothing but opposition. They have threatened litigation and threatened to contact all of my customers. They have already begun contacting my customers.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I On XXXX I signed a contract with Bank of America. Nowhere in the contract did it state that I had the ability to opt XXXX of Bank of America from disclosing my personal information to third party companies. 
I On XX/XX/2024 I wrote a letter to Bank of America and the credit reporting agencies making them aware that I was exercising my rights as a federally protected consumer and that I was rescinding my permission to share my private non-public personal information with any third-party company including the credit reporting agencies. 
I sent another letter through the CFPB titled " Non-Negotiable notice of permission to share private information '' dated XX/XX/2024. in the letter I let them know that I formally rescission all previously granted permissions for Bank of America and their agents to share or report my private information to any third parties including to credit reporting agenciesThis decision is effective immediately upon your receipt of this NOTICE which they received the notice on XX/XX/2024. 
Bank of America then responded on XX/XX/2024 that based on their review all of the account details are accurate and that they will not be adjusting their reporting like I had requested that they considered my dispute resolved. 

XXXX. LEGAL CLAIMS Violation of the Gramm-Leach-Bliley Act : Title V : Privacy 15 U.S.C. 6802 - Obligations with Respect to Disclosures of Personal Information. 15 U.S.C. 6802. Obligations with respect to disclosures of personal information ( b ) XXXX XXXX XXXX such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. 
XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and XXXX the consumer is given an explanation of how the consumer can exercise a non-affiliation disclosure opt-out right provided by the financial institution under this paragraph. 
This legislative text establishes a foundational privacy protection framework, giving consumers control over the sharing of their personal information by financial institutions with third parties not affiliated with the institution. My Privacy of my personal information was violated when I wrote a letter exercising my right to opt-out of the sharing and reporting of my private personal information to any third-party companies and the response I got did not even acknowledge the contents of my letter.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am compelled to express my utter dismay and consternation at the deplorable handling of my credit report dispute by TransUnion. Despite my submission of incontrovertible evidence, including certified mail receipts affirming their reception of my dispute documents, I was confronted with an indefensible repudiation asserting that the submissions were not authenticated as mine. This egregious dismissal of my legitimate attempt to correct palpable inaccuracies on my credit report not only impugns the credibility of the credit reporting process but also inflicts significant financial prejudice upon me. The obstinate refusal of TransUnion to acknowledge and rectify the errors, in spite of undeniable proof of submission, constitutes a flagrant dereliction of their obligations to ensure accurate and equitable credit reporting. Contrarily, it is noteworthy that XXXX exhibited due diligence and professionalism by promptly addressing and resolving the exact same dispute underscoring the stark discrepancy in commitment to consumer rights and accuracy among these entities. How embarassing for TransUnion.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am compelled to express my utter dismay and consternation at the deplorable handling of my credit report dispute by Experian. Despite my submission of incontrovertible evidence, including certified mail receipts affirming their reception of my dispute documents, I was confronted with an indefensible repudiation asserting that the submissions were not authenticated as mine. This egregious dismissal of my legitimate attempt to correct palpable inaccuracies on my credit report not only impugns the credibility of the credit reporting process but also inflicts significant financial prejudice upon me. The obstinate refusal of Experian to acknowledge and rectify the errors, in spite of undeniable proof of submission, constitutes a flagrant dereliction of their obligations to ensure accurate and equitable credit reporting. Contrarily, it is noteworthy that XXXX exhibited due diligence and professionalism by promptly addressing and resolving similar disputes, underscoring the stark discrepancy in commitment to consumer rights and accuracy among these entities. How embarassing for Experian.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, Today, I have tried to check my transaction between XX/XX/XXXX to XXXX of 2024. I happened to find out that your company charged twice same transactions ; therefore, the total amount of two days, which was {$75.00}, was charged twice. And the current balance indicated {$190.00}. Since I had paid off total amount of due about {$380.00}, I should not have the charge more than {$99.00} after XX/XX/XXXX of 2024. Later, when I checked again, the charge became only once ; however, the current balance had not changed at all ; therefore, I was charged same amount twice. After the recalculation of total amount after XX/XX/XXXX of 2024, I realized there was some discrepancy of total amount about {$19.00}. Anyway, since this transaction record was suspicious, I wanted to report this matter to your company through your company website ; however, it was impossible because there was no function of that. I even wanted to close/stop this credit card immediately ; however, there was no function to stop the credit card on your company website. Because I believe it is important to have the function to replace the credit card, which have had trouble of transaction, whatever the reason is, I beseech your company to make sure all credit cards issued by your company have the function to avoid the XXXX and XXXX transactions, because I already closed and replaced your credit cards already. And I feel safe by your admirable service. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this XXXX inquiry from my credit report.

Company response to consumer: Closed with explanation