vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Grant & Weber
State: GA

Complaint narrative:
They typed some charges on paper that are fraudulent. They keep calling me threatening legal action and they cant prove this debt is mine or real. Its not my bill. They literally made up a fake bill and debt I dont owe. They said my insurance covered part of it. I was not working then and had no insurance so once again its lies and fraud

. Im tired of being threatened on the phone of lawsuit and cops etc. especially when they made some bill up I dont owe. No coercive reporting Some debt collectors illegally use coercive credit reporting to get people to pay
for debts they dont owe. If those fraudulent debts arent paid, the information can damage your credit. But the CFPB has started cracking down on coercive reporting in medical debt collection. 

Debt collectors are also prohibited from using deceptive tactics to get you to pay. For example, they can not : Claim to be someone theyre not, such as a government representative or attorney Falsify how much you owe or the status of the debt Claim youve committed a crime by not paying Say they are calling from a credit bureau If you believe a debt collector is using coercive reporting or other deceptive tactics to collect money, you can submit a complaint to the CFPB online or by calling XXXX. You can also report them to the FTC.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX improperly used my credit report and this item has been removed from my credit report based on the fact that according to 15 usc 1681b i have not given a permissible purpose for XXXX to report anything on my credit report this is was permanently removed but still shows an inquiry on my report under XXXX  as well as Equifax reporting agencies these are violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: TX

Complaint narrative:
1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: TX

Complaint narrative:
1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX, has violated my rights. XXXX5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
They keep calling me and threatening arrest etc. its abusive behavior and language they wanted me to send gift cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following accounts [ Quicksilver Account # XXXX ] [ SavorOne Account # XXXX ]. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX, OR ANY OTHER ) if the person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. By Definition, the IRS Clearly says a Cancelled debt is Income. The reporting of this account as a debt is inaccurate. CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAP ONE AUTO terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of CAPITAL ONE nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy pursuant to the Privacy Act of 1974 as a federally protected consumer I am now demanding that CAPITAL ONE either updates the account to reflect " paid as agreed never late '' status OR remove the accounts from all of my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX improperly used my credit report and this item has been removed from my credit report based on the fact that according to 15 usc 1681b i have not given a permissible purpose for XXXX to report anything on my credit report this is was permanently removed but still shows an inquiry on my report under transunion as well as XXXX reporting agencies these are violations of the FCRA.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
1year I have been working with Nelnet to help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my Nelnet account. The document states that my student loan portion has been forgiven. Nelnet has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN is in violation of code 15 US XXXX  1692G. even after I notified them that I am a victim of identity theft

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 2024-01-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. It has leads been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: FL

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have lost my wallet and someone use my debit card on their XXXX on XX/XX/XXXX and XXXX totaling XXXX. I have call chime bank to file a dispute 16 time and all has been deny. I have send them my police report and my XXXX  statement which clearly there was no transaction on my XXXX  for XX/XX/XXXX and XXXX but chime still deny it when I clearly have proof and evidence. Now chime wont even open a rubuttal for my case saying they need new documentation but I mean how when they dont even look at my documentation I send them. The documentation I send has all the proof. Chime bank just wont investigate and will just deny everyone claim and are so rude to their customers hanging up on me all the time. When I send in my documents even the dispute supervisor see my documents and say I am right I have proof that I did not made those transactions on my behalf but the dispute team still deny it 16 time. Chime wont bother helping their customer get their money back. This is ridiculous when I have proof n documentation. Chime need to be close down for not caring for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have no knowledge of this account, XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. It has leads been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest credit systems is trying to collect on a debt not owed to them. I have no signed contract with that debt collector nor the original Creditor. This company southwest have threatened to mess up my credit if i didnt pay or jail time. I asked southwest to prove how this debt is owed to them from my person and all they send are bills from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( loans/mortgage/promissory ) numbers. Please be timely with your response to the Regulation Z and Federal-Truth-In-Lending Act guidelines. LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violations of UCC 3-501, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. This letter shall be considered lawful notice that LOANCARE , LLC on behalf of XXXX XXXX. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust, MERS and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States XXXX LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is in violation of code 15 US $ 1692G. even after I notified them that I am a victim of identity theft

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