vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: NV

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-07 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: NJ

Complaint narrative:
I have sent multiple disputes to the 3 major credit bureau requesting to have my credit file corrected from all inaccuracy.

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 an account without my written instruction.

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).

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 2022-06-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an 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 2022-06-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: TX

Complaint narrative:
Re : MiraMed Revenue Group. Account Reference # : XXXX and any other one of my accounts with MiraMed Revenue Group. 

First, MiraMed Revenue Group ( thereafter " MiraMed '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX. or after XXXX XXXX., calling me during unreasonable hours when I have repeatedly asked MiraMed to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy. MiraMed alleges that I owe debt it wishes to collect. I have repeatedly requested that MiraMed send me an itemized list detailing all such debt and stating with detail and specificity what exactly each itemized charge pertained to. MiraMed has repeatedly refused to do so. Without such an itemized, detailed and specific list, it is impossible to verify MiraMed 's allegations as to the alleged debt. Thus, MiraMeds billing as to the alleged debt is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed MiraMed that the hospital ( XXXX XXXX  ) to whom MiraMed alleges I owe debt has illegally billed me, by virtue of discriminating against me with respect to other similarly situated patients by not granting me the same financial aid it grants to indigent individuals such as myself. The hospital  unjustifiably denied me the same financial benefits it grants to other similarly patients, thus violating its duty to only charge patients in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, I have an account with JP Morgan Chase together with my wife in order to share common expenses as well as the renovation of our new home in Florida. As such I usually deposit/transfer money from other personal or investment accounts belonging to me and her. 

Every time, literally every time, I connect an external account and try a first transfer ( inbound always ) my whole account gets locked for online/mobile use. As I travel often for business that is the worst. 

This last time, my 4th external account linked and VERIFIED ( two deposita that needs to be identified ), after calling 4 times my account is still locked after more than 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
1. The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX, PA XXXX from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
9. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
10. The following account is not mine XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
11. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
12. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
13. The following account is not mine XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2022 my debit card was stolen from me while shopping at XXXX XXXX That card was used 12 different times on XX/XX/XXXX and XX/XX/XXXX subsequent to its theft. All 12 charges occurred in businesses that I never frequent. There was even one  withdrawal of {$500.00} from a branch of the bank that issued my card albeit that branch is 75 miles from my home. Ten of the twelve charges/withdrawals occurred 75-80 miles from where I live. Four of the twelve charges/withdrawals far exceeded the amount that I typically charge or withdraw. This was all done despite the fact that my PIN is committed to memory. It is not written down anywhere, and no one else knows it. Despite all this, I did not receive a fraud alert from my bank until XXXX declined a XXXX attempted charge on XX/XX/XXXX. After making numerous calls to the XXXX XXXX phone number and receiving no satisfaction, I went in to my local branch and filed a claim for all XXXX charges which totaled {$3100.00}. On XX/XX/XXXX, I received a {$2100.00} debit card claim credit via automatic deposit into my checking account which is & XXXX short of my claim. Ive spoken to customer service representatives minimally four different times asking for an explanation of the shortage. Each time I have been promised that the reviewer of my case would call with an explanation. Ive been given a time frame for the promised return call anywhere from one to three days subsequent to my call. To date, I have not received that return call. Please help me. I am a 35 year  plus customer of this bank, and they have responded to me with disinterest at best and with disdain at worst. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/2022 I attempted to send a wire from my Navy Federal Savings account via the prescribed method of sending an emessage thru their online system. On XX/XX/2022 the wire has still not processed and I attempted to call the bank, at which time I am told it can take anywhere from 24-48 hours to process such wire, even though it is time sensitive. This is unacceptable as I should not have to wait this long to access my funds, and I feel it is a way of unfortunately holding my money hostage and in violation of the regulating act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: AR

Complaint narrative:
I have asked the three major credit bureaus To remove the bankruptcies off of my report due to the courts not reporting public records such as bankruptcies to any credit bureaus and do not furnish them any types of information about bankruptcy cases to the bureaus. I have asked multiple times and they wk not remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: AR

Complaint narrative:
I have asked the three major credit bureaus To remove the bankruptcies off of my report due to the courts not reporting public records such as bankruptcies to any credit bureaus and do not furnish them any types of information about bankruptcy cases to the bureaus. I have asked multiple times and they wk not remove this information.

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 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CT

Complaint narrative:
This collection company XXXX XXXXCrown Asset sent writ to old address that I lived at over 3 years ago and filed a court case against me. I only know about the writ and the lawsuit after receiving court papers with an appearance date. I did my own investigation to find company suing me. I reached out immediately asking for a copy of the writ to be sent to my correct address which I gave to them. I was told according to the law they already did what they had been required to do. I asked as a courtesy please resend to correct address. I was told representative asked manager who repeated same thing, not required to resend. I emailed a request in writing asking for writ to my correct address. No response was received. I attended first court date, told court that I never received writ or any notice from Bill collector. The court order them to send it to me. I contacted the lawyer on the case the same day and confirmed address. Nothing ever came. Court date # 2, told court again nothing was received. This time court ordered to send writ. Again, nothing received. Court date # 3, Judge ordered writ by registered mail with signature. Again nothing came. Court date # 4 Judge again ordered writ by trackable mail, continued for 30 days. During all this time multiple calls from collection agency about this debt. I told them they failed to send notice and should not be contacting me. They continue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Conn's, Inc.
State: SC

Complaint narrative:
Conns XXXX XXXX is reporting incorrect late payment to all 3 credit agencies. I have always paid my payment before the 30 day mark. The payments were due on the XXXX of each month. My last payment I made on XX/XX/2022 paid the loan off. I have late fees left to pay from where conns charged me late fees from the payments not being paid by their due date. They are now reporting these fees as 30 days late on my credit report. Again, all my monthly payments were paid BEFORE the 30 day mark so I dont understand why they are not reporting late fees to the credit agencies. If I make another payment before XX/XX/2022 towards their late fees then how are they now reporting these fees on my credit? Please advise. I can also send a copy of my contract if need be. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: PA

Complaint narrative:
XXXX sent in letters stating the account I'm going to be listing in my complaint are not accurate and the Credit bureaus violated my right as a consumer. According to the FRCA section 15 USC 1681 section 604A, the law clearly states a consumer cant report anything on my credit report without my written authorization and you can clearly see these item on my file : the follow item are also reporting inaccurately XXXX XXXX  account # XXXX this account date of last activity is in incorrect but this account was verified as accurate how is that so... 

XXXX XXXX  of XXXX  account # XXXX account Date of last activity is incorrect how was this account accurate? 

XXXX XXXX XXXX  account # XXXX the date of last activity is incorrect can be accurate XXXX XXXX account # XXXX Date of last activity is incorrect cant be accurate and verified as such. 

XXXX XXXX XXXX XXXX  account # XXXX this account is showing different dates for the date of last activity and the account showing an open account which incorrect but this account was verified as accurate which is a lie ....

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have account with Bank of America. We gave a check for the amount of XXXX for tree felling services to one of the service providers.. This check was deposited by the receiver in his bank which is XXXX XXXX. Both banks are located in XXXXXXXX XXXX. Our check was returned on XX/XX/XXXX with Refer to makercomment and a XXXX USD fee was charged. We approached both banks on XX/XX/XXXX. BOA insisted that the check had already been cleared.and XXXX XXXX stated that they have the money with them, our client has to deposit the check again which our client did. On XX/XX/XXXX. this check is again returned. Meanwhile I filed a complaint with Bank of America. There was a an error in our check date instead of XXXX my husband wrote XXXX, but our bank stated there is no problem due to the date. At the end XXXX XXXX USD missing from our account. We had to pay our tree felling service provider with cash including interest. It has been XXXX months since this unresolved issue is going on.

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 2022-06-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-06-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation