vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: AL

Complaint narrative:
In XXXX of XXXX I became aware of a low score on my XXXX Credit report. Upon investigation, I learned that there has been a company reporting a {$1300.00} debt collection on my XXXX report since XXXX. 
I have never received any correspondence of any kind from this company - CAC Financial Corp - XXXX XXXX, Oklahoma. I have never entered into a contract with this company and have no privity of contract whatsoever with this organization. I have never agreed to pay CAC Financial Corp - XXXX XXXXXXXX, Oklahoma any amount for any product or service. If CAC Financial Corp - XXXX XXXXXXXX, Oklahoma is attempting to collect a debt for some other company, they have not operated in good faith, in that : XXXX ) They have never communicated with me at any time, in any way. 
XXXX ) They have made no attempt to validate any debt with me, or obtained verification from me of any debt between me and any other entity or individual. 
If CAC Financial Corp - XXXX  XXXX, Oklahoma can prove privity of contract between me and CAC Financial Corp - XXXX  XXXX, Oklahoma, I request documentation to this effect. If they can not, I demand they remove their collection item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
rash Curtis and associates is repeatedly calling me and impersonating both the medical office and an attorney pretending that I owe money for which I do not. I have already spoken to my primary health insurance provider XXXX XXXX and they informed me that I do not owe this provider money because they did not properly submit the claim. The provider sent the amount of money to a collection agency, rash Curtis and associates, instead of properly submitting the claim through the insurance company. Rash Curtis has claimed that it doesn't matter whether I owe the money or not, since I didn't respond to an initial letter many months ago, I now owe them the debt. They have never verified the debt with me they refused to send me any documentation proving that I owe the debt. They have transferred me repeatedly throughout departments claiming that I'm speaking with the law department or legal division. I have informed them to stop contacting me and that I had an attorney with whom they must be, and they refused to go through my attorney. I do not owe this money. I have already hired an attorney to have it legally removed from my credit report. Rash Curtis continues to call me and harass me. The most recent phone call they alleged that they were calling from the California XXXX XXXX in XXXX XXXX the doctor 's office who initially failed to properly submit the medical claim. 
yesterday was the most recent phone call. Prior to that they have called me every 30 days without fail. They have lied to me on the phone and harassed me and threaten me with legal action if I do not respond even though they have failed to submit documentation that I owe the money. They are harassing me and using abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: DISCOVER BANK
State: AZ

Complaint narrative:
I bought several mice from XXXX XXXX and later found that they had problems, so I returned them all to XXXX XXXX. XXXX XXXX promised me that they would refund me the full amount within XXXX weeks, but I have not received any money for almost 2 months. 

Because I have not received anything, and XXXX XXXX has never refunded me, I have disputed the purchase with my Discover credit card. However, Discover is being unreasonable and despite providing complete and clear evidence that XXXX  has received my return a long time ago, they have refused my dispute. 

They are requiring me to prove that XXXX XXXX  's policy would have refunded me the full amount in this situation and that the refund would have been credited back to my account. These demands are clearly unreasonable and I am entitled to dispute the payment, I have not received anything, and have proven that I have returned the significantly flawed mice in full. I also attempted to find XXXX XXXX  's policy and sent it to discover, they do indeed promise a 30-day no-questions-asked refund and state that they will refund back to the credit card within XXXX weeks. But discover argue that these terms are not clear enough and do not guarantee a full refund and do not represent a return to the original credit card. 

In my opinion, this is clearly an irresponsible and malicious obstruction. I believe that in this situation, I have actually provided evidence beyond what is normally required for a dispute, and I have communicated as best as I can, but Discover is pushing all the burden of proof on me, I am very disappointed and hope that the CFPB can intervene and investigate so that consumer rights can truly be protected. 

-- -- -- -- -- -- - Here are the XXXX XXXX. detail : XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Merchandise {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Monday, XX/XX/XXXX Transaction Date Monday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Merchandise {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Saturday, XX/XX/XXXX Transaction Date Saturday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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:
I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2023-01-29 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:
I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This is not my account I never authorized for this account to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Waypoint Resource Group, LLC
State: OK

Complaint narrative:
somebody placed a car in my name without me knowing and it got towed.

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 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: NC

Complaint narrative:
I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX Violations punishable under XXXX XXXX. XXXX. Additionally, those misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-29 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: MD

Complaint narrative:
Its been XXXX since XXXX XXXX deleted a trade line on my credit report. I have submitted multiple disputes for the trade-line to be removed and Experian continuously verifying account meaning no investigation was done on the first place. Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the unconfirmed tradeline. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of XXXX XXXX XXXX et seg, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. something de done Please Note : This notice is an attempt to correct your records, and any information received from you will collected as evidence should any further action be necessary. This is a request for information only, not a statement, election, or waiver of status. 

Attached is documentation from XXXX XXXX XXXX  stating account had been deleted but upon checking on report, account ( tradeline ) is still active on credit report. DELETE THIS UNCONFIRMED ACCOUNT 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 2023-01-29 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 XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, 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 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

P.s, To whom it may concern I was never once notified in writing by 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 2023-01-29 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: MN

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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name 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 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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After looking over my report I noticed and unauthorized inquiry from XXXX XXXX  dates XXXX on my credit report that I didnt authorize. Please have this incorrect information removed from my credit profile please. Thank you

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 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
I went on vacation and XXXX XXXX XXXX XXXX in XXXX and they charged me this money and i had already giving them my insurance i called and solved it now they just mailed me another one saying i still owe and i know it was resolved because it was taken off my credit and that ruined my credit alot

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was a little low on my Checking account for the monthly service fee and the bank took the service fee and made my account in overdraft status. I went in and the teller informed that the fee is paid regardless if you are elderly or not. I couldn't believe what I was told so I put money that I didn't have in the account to bring it current because the overdraft fees can become very costly and you can be put into XXXX XXXX for an overdraft account. This is terrible because these bankers make money off of these accounts without people even knowing it. They get insurance and make money every month for you staying alive. There are many deceitful ways that the bank makes money off of the people. when you make a deposit they make it seem as if they are making a deposit in their accounts.as well and call you an authorized user but you open the accounts and all these banks need is your signature and they can go to the Treasury and get deposits for them to do whatever they want to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.

P.s, To whom it may concern I was never once notified in writing by 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 non-monetary relief
Consumer complaint received 2023-01-29 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.

P.s, To whom it may concern I was never once notified in writing by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
i have a credit card that does not belong to me and i have tried contacting all three agencies and its and its still on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: MI

Complaint narrative:
I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, 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