vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
They Failed to validate this debt. Legally or properly. 

I have been a victim of HIPPA VIOLATION by the Bureau of Medical Economics and XXXX XXXX XXXX Specialists. 

I demand it be removed from my credit reports immediately! 
Or I will be suing them for {$10000.00} or more. 

XX/XX/2021 I requested validation of the debt to them. 
They did not VALIDATE THIS DEBT. respond back to me XX/XX/2021. 
Without proper validation. 

I contacted Bureau of Medical Economics via " certified / USPS mail as well as XXXX XXXX XXXX They Failed to Validate the Debt. All that was sent was a fake bill with my name on it with a company I never did business with or signed or authorized anything. 

I want all debts they are claiming are mine removed from my credit reports immediately. 
They are in violation. I have never done business or authorized anything with any of these companies. 

They are in violation. 
I obtained an attorney and they claimed I need to file this complaint with you here as my next step. 
Before I sue them for violating my HIPPA Rights. If not removed immediately from my reports. 

Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX AUTO  XXXX Balance Owed : {$4200.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance Owed : {$700.00} XXXX XXXX  XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Even though their own policy states a consumer can make comments they never have allowed them to be posted. Fact ... a multiple number of reports to confirm that. 
Their latest report another confirmation of their failure ... .rept file XXXX illustrates that deliberate omission. Furthermore they have a number of incorrect cell and phone numbers years old. If we throw in the fact that foreign person 's have access to AMERICANS PERSONAL critical INFORMATION because THEY ARE AN English company located there speaks to the hidden lie protecting you data. When we add all the companies that are allowed to continually access your report there is no way you will ever achieve a good credit score and lenders themselves confirm by fact the Fico score provided by the bureau is always wrong by 40 points or more and do not even come close to each other 's scores. Sadly these facts by opinion are an indication of the great facade of credit reporting.

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a Synchrony XXXX Mastercard that gives points for purchases made with the card on XXXX. I have XXXX points that are available to redeem, but there is no way to redeem them through XXXX. I have made multiple phone calls to Synchrony, who then referred me to XXXX, and then XXXX referred me back to Synchrony. Five months ago Synchrony stated they would credit my account statement for these rewards. Four months and three phone calls later, there has been no credit to my account, and now they are referring me back to XXXX stating Synchrony Bank is not responsible for redemption of the points. My card agreement is with Synchrony and they are responsible for this. 

I also filed a complaint with the XXXX  XXXX  XXXX  two months ago and this did not help resolve the issue. XXXX CASE # : XXXX. 

I have been in banking for 20 years and stongly believe this to be a UDAAP voilation. They advertised a rewards points card, and there is no way to use them.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of 2021 Experian reported information on my account that I deem incorrect. I lost over 30 points on my credit report from a mortgage inquiry. I t reported a remaining balance on a installment loan that did not exsist on my credit report. I also lost points saying I have a short credit history with over 7 years of credit reporting.

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 2021-11-17 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: LA

Complaint narrative:
This is my formal notice of an intent to sue with Experian Ive tried 4x to get this issues resolved and they come back saying investigation verified how are you verifying this information I wasnt given a full file disclosure and also you are using my information without my written consent which is identity theft, According to 15 USC 1681 ( b ) Reasonable procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter which Experian did not follow 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit reporting : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy which Experian did not give me using my private information without my consent and making these derogatory reportings Experian reported information onto my consumer reports based off of transactions and experiences without my consent and this is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) According to the XXXX XXXX Act I was suppose to get a chance to direct whether I wanted information about a transaction onto my report or not, I wasnt and Experian did post transactions anyway According to 15 USC 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), 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 Experian written instruction to report any of this

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 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX regarding a collections debt from XXXX. I sent this company a certified letter to validate this debt. The debt was not validated but sent from a company with a different name Cavalry Portfolio Services , LLC. In the amount of XXXX. The account listed is XXXX. The address is different as well. The address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX was sent certified verification mail. XXXX XXXX XXXX and/or Cavalry Portfolio Services , LLC did not verify this debt but instead sent me a bill. Nothing verifying the debt. This is clearly an abuse of collections tactics. This is not my debt and is from XXXX don't have or have had any business with this company in the past or currently. This is harassment! I demand that this collections company cease and desist all collections efforts and stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX A transaction of XXXX went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account? as far as I remember. However, a transaction was made today from my XXXX under the same citi credit card issue I have complained about it being used/opened not under me. I have asked for investigation from both XXXX and Citi. I do not know from Citi if there is an investigation under way.

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 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/31, I was in contact with a person selling a ticket to the XXXX XXXX game in XXXX. After texting and talking on the phone for a few hours, we agreed that I would send him half of the money ( {$600.00} ) for the ticket then he would send it before I sent the remaining {$600.00}. After I sent the money he blocked my number and blocked me on PayPal. I reported the transaction to both PayPal and my bank ( XXXX XXXX ) and they both denied the claim stating it would be a loss to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This Account # XXXX Does not belong to me. 
XX/XX/2021 I have noticed inaccurate information on my credit report XX/XX/2021, I have sent to Nissan motors a request to verify this Account # XXXX 30+day pass and on XX/XX/2021 there was a response from Nissan motor XXXX on XX/XX/2021, I have reach out to XXXX XXXX XXXX, to Investigate the account. 
This account was never investigated by XXXX Came out as verified. 
XXXX has updated my account. Showing two accounts. With a different account number showing # XXXX Which this account, is one of my old accounts, that is paid in full. XXXX has sent me a letter saying that they will not conduct any further investigation after this latter rich 30 days. 

On XXXX Account # XXXX. Is showing Too Account # XXXX and XXXX. 
Which this XXXX is the Same account.as Account # XXXX. 
Experian Have. Investigated this account. updated account and still shows as verified. 

on XXXX this Account # XXXX is Different from XXXX XXXX XXXX not reporting accurate data and not reporting the right day this account is Supposed to be out of my credit report. 76, terms. Every other reporting agency is reporting 75. 

I have included. A copy of my Social Security card. California ID. 
Proof of residency. the Verified letters, that XXXX send To me. A copy of the contract. The letters. Requesting. Verification. of my behave. Copy of my credit report, that shows inaccuracy on all three major Credit bureaus I also have sent Copies of the Dispute to all Credit Reporting Agent agencies. XXXX XXXX XXXX. CFPB You should receive a package by mail. on Monday XXXXwith a contract that shows a signature that doesn't belong to me. The name is spelled wrong and is not signed by me. I want this remove deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: MD

Complaint narrative:
On XX/XX/2021 I purchased a vehicle and was financed through a 3rd party bank. On XX/XX/2021 I sent an affidavit to this company and on XX/XX/2021 it was delivered. I have not received a response as of XX/XX/2021. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to CFR and USC. The first item was that the finance charge did not include the sum of all charges directly violating 15 usc 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1300usd ) in order to be approved for this loan which is in violation of 15 usc 1662. The notice provided in this contract was also incorrect pursuant to 16 cfr 433.2. With these discoveries pursuant to 15 usc 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 usc 1635 ( a ).

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on XXXX and one on Experian. While 0 on XXXX further proving this information inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NJ

Complaint narrative:
THE COMPANY AMERICOLLECT INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, 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 whom may have knowledge concerning any such terms of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on Equifax and one on XXXX. While 0 on XXXX further proving this information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Called rent debt automated collections on multiple occasions on XX/XX/XXXX I called around XXXX and I was transferred to multiple people who could not answer why I had a collections amount with them when I originally only owed the apartments {$1200.00} dollars for 1 months rent I tried to make payment and I was told I needed to contact the apartments because they denied payment and they will Have someone give me a call Back regarding balance never received callback, I made another call on XX/XX/XXXX to understand why I still havent gotten a call back regarding the fees that were added and why the cost is what it was, and I was told I needed to call the apartments to find out what the fees are for when I contacted the apartments they explained the fees are no longer with them and that I need to contact the collection agency, once again I called The collection agency on XX/XX/XXXX and the person I spoke to stated it was the apartment fees and he couldnt explain what the fees were for and informed me if I didnt pay {$6000.00} dollars I would have my account red flagged and I will be sued if I didnt set a payment arrangement with him To pay an amount I do not owe and no one can explain where these fees generated from or how the because {$6000.00} from the original amount of {$1200.00} that I agreed to pay and I dont understand why this continues to happen and be treathen to be sued and taking to court on a debt I have been trying to pay for months.

Company response to consumer: Closed with explanation