vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Sir/Ma'am I am writing in response to your company placing MULTIPLE DEBTS ( 15-USC-1692H ) AND DUPLICATE medical collections on EACH of my Consumer Reports. 
As part of my validation request under ( 15-usc-1692g ) XXXX I am requesting your company provide me with the PURCHASE AGREEMENT to ensure the accuracy of the records. 
Please provide me with the original bills from each account you have listed on each of my Consumer Reports. Please provide a breakdown of these medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you. 
Provide me with your company license/bond to collect debt in my state. Please provide an affidavit signed under Penalty of Perjury that your agency has not violated any portion of the FCRA, FDCPA, HIPPA, and PHI. PLEASE CEASE ALL CONSUMER REPORTING UNTIL THE DEBT HAS BEEN VALIDATE BY ( ( ME ) ). 
Please accept this as my formal debt validation request, I am allowed under FDCPA. Withholding any information you received from any provider in an attempt to be HIPPA compliant is a violation and considered deceiving me after my request. I request full documentation of all information you received from the provider of service in connection with this alleged debt. 
Please do not contact me by phone at home or work. Continued reporting of this alleged debt prior to me validating is a violation which can allow me to seek even more damages. If your company fails to respond please remove all references to this account and alleged debt from my Consumer Reports and your company records.Thanks for your immediate attention. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus never did a proper Investigation according to the FCRA, from my Certified Letter Request in XXXX and XXXX, XXXX. ( 1 ) They ignored my request for a Re-Investigation, ( 2 ) they failed to provide their Method of Verification ( including the real name, address and phone number of the furnisher ) after I requested it, ( 3 ) they are willfully and recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error ( 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ), and ( 4 ) they have failed to notate my account or furnish the Required Disclosure, within the period of time required by law, that an item on my credit report is under dispute, i.e. Notice of Dispute after a creditor or debt collector has reported the dispute ( FCRA Section 623 ( a ) ( 3 ). 

Also, they have violated my rights as a consumer even more. In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my Consumer ( credit ) Report. 

The Credit Bureaus stated that my accounts were property Investigated, but how is this possible when the information ( including account data ) contained in each of the three major Credit Bureaus is not the same ; the date opened is Inaccurate, the date of last activity is inaccurate, the account status is inaccurate, the date last reported is not accurate, the balances and credit limits are inaccurate. This is a violation and is grounds for immediate removal.

They also violated the Law because according to 15 U.S.Code 1681 section 602 ( A ), it states that I have the Right to Privacy. And 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also stated that a Consumer Reporting Agency can not furnish an account without my written instructions. I did not give anyone written instructions. 

These Accounts are Inaccurate, Incomplete, Unverifiable, Unfair, Erroneous Creditor Account Name * Account Number * Error / Inaccuracy or Violation XXXX  XXXX XXXX Notice of Dispute Violation XXXX XXXX Notice of dispute Violation XXXX XXXX  XXXX XXXX Notice of Dispute Violation XXXX  XXXX  XXXX Inaccurate Open Date XXXX  XXXX  XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX Credit Card XXXX Notice of Dispute Violation XXXX XXXX XXXX  XXXX. XXXX Notice of Dispute Violation XXXX XXXX XXXX High Balance is Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX High Balance is Inaccurate XXXX XXXX  XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX  XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXXXXXX Notice of Dispute Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal took my money after 6 months, Paypal said they will release my money after 6 months that's why I waited. They don't even said the specific violation I did. I just did a typewritting jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX* on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent 4 registered letters to Equifax, XXXX and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion Equifax opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if Equifax contacted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Today, I noticed a drop in my XXXX score from XXXX to XXXX. I investigated what caused the drop and discovered that Barclays had reported my account as delinquent at least twice over the last few months. I paid my Barclays card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card. 
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired Barclays card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge. 
As I was not aware of the {$6.00} charge, and do not monitor the Barclays account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my XXXX XXXX. 
It is my belief that Barclay intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is zero and will cough up a few months of fees to avoid the hassle to resolve it. 
My complaint would be with both Barclays for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods. 
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my XXXX XXXX, or the {$48.00} Barclays charged me ( snickering all the time, I suspect ). 
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my XXXX XXXX means nothing to these behemoths.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid to XXXX, for a service I never asked for, and I paid {$52.00} for 11 or 12 months, which is either {$580.00} or {$630.00}. I downloaded a document to give to the Refinancing Bank. I was asked by XXXX if I wanted to continue receiving their service and I said : no. 
However, XXXX continued charging my credit card. Therefore, I had to close my credit card. Bank of America returned me three months that I paid. But after I sent a letter with all the info they wanted, they gave me a short time to answer them again. The time period was very short, so they gave me the possibility to send them a fax with the proof that I canceled XXXX. I did not have time to cancel, a service that never asked for, because after I complained to Bank of America, XXXX canceled my service. It seems that they never read my fax because they sent me a letter telling that : " Because I did not send the cancelation '' they sided with XXXX and they told me that not only they will not give me my money back but also they will charge me again for the three months they had returned the money.

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