vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XXXX I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC requesting {$1900.00} from an ER visit from XXXX. In 2020, I was making monthly payments to another credit agency for this exact debt ( XXXX XXXX XXXX XXXX XXXX ). I reached out to XXXX XXXX via written letter requesting proof of debt and a halt on credit reporting until I am able to verify the debt on XXXX. I also contacted XXXX XXXX for proof of payments made. I never received this requested proof of debt from XXXX XXXX XXXX and today, XXXX, it was reported to XXXX as in collections and my credit score dropped XXXX points. I know that this is a violation of the Fair Credit Reporting Act, and feel that this was done spitefully because I requested to verify the information/debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CA

Complaint narrative:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX  ACCOUNT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION. SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD, I NEVER BOUGHT ANYTHING USING THAT CARD, THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I AM XXXX AND AS A PROFESSIONAL I HAVE NEVER APPLIED FOR THIS CARD, NEVER BOUGHT ANY MERCHANDIZE FROM THAT STORE. THIS CARD WAS OPENED FRAUDULENTLY, I NEVER APPLIED FOR THAT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I, consumer, XXXX XXXX received a alert from credit karma on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: IN

Complaint narrative:
I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have requested multiple times to receive old savings bank statement from Chase Bank. As per Chase Bank website, the request was placed, and stated they will be sent. However, they were not sent, even beyond the stated time frame. The same request was requested multiple times online by secure messaging, and by phone call to their customer service. The response is essentially the same, that they will be sent. However, they were never sent. The original request was made on XX/XX/21. I believe that Chase Bank is either irresponsible, incompetent, or just lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CA

Complaint narrative:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX  ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX BANK ( Finance ) XXXX XXXX XXXXXXXX NA ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( Bank XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 have disputed XXXX ( XXXX ) accounts with Equifax and XXXX for over XXXX ( XXXX ) months. 

XXXX. Equifax : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit XXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I called Citibank regarding a credit card account reporting on my XXXX report. They searched my social security number and there was no record of this account. So how is XXXX verifying this account with you guys if there is no records? This is wrong.

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account in XXXX and found about fraudulent account with about {$4000.00} opened in my name in XXXX before I was a customer with Wells Fargo. Once reported I got my online access and changed my passwords and username. The account has yet to be closed despite XXXX separate conversations discussing the fraudulent account and desire for it be closed.

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: ND

Complaint narrative:
I have called to ask for a validation with the company Jefferson capital my signature license anything also have asked three of the major credit bureau to check for me. I was told it was validated when asked how I was told my name and social is enough to validate. I was told by the company the bill was sent somewhere when I asked where I was told a merged/ wrong address. The address I was given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have supplied my license as proof that That address does not exist still have not had a response I am up to multiple disputes.For clarification my address is XXXX XXXX XXXX XXXX XXXX ND XXXX. Also they keep changing the open date which is making my credit yoyo up and down this effecting me negatively I want this removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/10 I made a XXXX party payment from my bank ( NOT USAA ) to my auto loan ( WHICH IS THRU USAA ). I listed my account number and all info needed. Ive been on the line with multiple USAA reps for the past 2 days with no resolution. For whatever reason the payment was sent to USAA XXXX XXXXy, Ive never had a mortgage. Ive requested a supervisor multiple times through USAA as well as the mortgage company with no help. I have a payment for over $ 2k that has cleared my balance account and cant get it applied to my USAA XXXX loan because the reps have failed to get me to the correct place. XXXX beyond frustrated at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I rented a car from XXXX in XXXX from XX/XX/XXXX to XXXX, 2021. I charged it to my Capital One credit card, and waived the XXXX collision damage waiver charges on the rental contract, in accordance with the XXXX card benefit that Capital One offers. On returning the car as per my reservation, the attendant noted a tiny paint chip on the front fender, and insisted that we file a damage report ; I resisted, since I had not even noticed the " damage '', and there were other dings recorded on departure documents : this was not a new, pristine vehicle. The attendant assured me that the report was only a " hold '' on my credit card ( for XXXX euros ), and actual charge would be adjusted once the " damage '' was assessed. XXXX, however, immediately placed a charge on my account for the full amount : XXXX US dollars. I disputed this charge with Cap One as soon as I saw it, and it was removed. I was told to wait for correspondence and instructions on how to submit my documentation ; thirty days elapsed, and the charge was reinstated. My correspondence with XXXX produced a bogus repair invoice. I again contacted Cap One and got a link to upload documentation, which I did. XXXX XXXX, the charge appeared again : Cap One said too much time had passed. I then filed a claim with the XXXX benefit insurance to cover the collision damage waiver : their response was " no coverage in XXXX or XXXX ''. While XXXX is largely to blame for the extortionate repair claim, Cap One has reneged on their promise of customer assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW WORLD COLLECTIONS, INC.
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CA

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 I have noticed various areas in the way Equifax is furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. Equifax CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to XXXX XXXX XXXX ( XXXX ). Also XXXX XXXX XXXX ( XXXX ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted Equifax or XXXXXXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX  such authority. 
Equifax 's apparent and constant neglect to properly carry out their job is costing me by ruining my consumer report. This is an attempt to remedy the following listings you have listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CA

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way TransUnion are furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. TransUnion CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give TransUnion PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX such authority . 
TransUnion 's apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings TransUnion have listed on my consumer report. As I have contacted XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, # XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX  XXXX, # XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MI

Complaint narrative:
I have disputed 2 ( XXXX ) accounts with XXXX and Transunion for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.

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 2022-02-18 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have disputed 2 ( XXXX ) accounts with XXXX and XXXX for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit Collection Service XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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