vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Paragon Revenue Group dba Jon Barry and Associates Inc., is demanding {$640.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. Paragon Revenue Group are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX I have not received goods or services from Paragon Revenue Group. 

XXXX XXXX XXXX XXXX violated my HIPPA rights releasing my private medical information to Paragon Revenue Group XXXX Please be advised no consent to treat documents bare the name Paragon Revenue Group as Paragon Revenue Group is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 
A permissible purpose was not granted to Paragon Revenue Group. I am not a party to any agreements Paragon Revenue Group may or may not have with XXXX XXXX XXXX XXXX  I am not responsible for Paragon Revenue Groups purchase / transfer from XXXX XXXX XXXX XXXX XXXX have not agreed to pay/tender anything to Paragon Revenue Group. 

On XX/XX/2022 at XXXX I contacted XXXX XXXX XXXX XXXX on a recorded line in efforts to clear this matter with the original creditor. According to XXXX XXXX Customer service for XXXX XXXX XXXX XXXX  the alleged debt was sold to Paragon Revenue Group XXXX XXXX stated there was no payment due to XXXX XXXX XXXX 

Paragon Revenue Group provide the original purchase receipt, tax filings, name and number of the authorized representative that released my detailed private medical information to Paragon Revenue Group. 

My credit files are not to be reported to or damaged in regards to this matter Paragon Revenue Group., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Please Cease and Desist. 

See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent accounts In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights XXXX15 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 2022-11-21 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: NJ

Complaint narrative:
I noticed a few accounts on my report I am not Familiar with

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 2022-11-21 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: NJ

Complaint narrative:
I noticed a few accounts on my report I am not Familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
This company continues to call me everyday and leave text messages stating that I owe a debt to them. Ive gotten several call daily and several text messages daily. Ive blocked there number and they still continue to call me from the same number and several others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I recieved a text from on XX/XX/22 at approximately XXXX XXXX  from PNC bank saying my debit card was place on hold.. I called the number provided. Gave SS number, card number, PIN, security code. 
Then realized i was scammed..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime bank does want to give me my money back after fraudulent transactions. Charge from XXXX who I don't have charge of XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: SC

Complaint narrative:
The Experian credit reporting agency is refusing to remove XXXX XXXX XXXX redacted* from my credit file. Please be advised this account was removed XX/XX/XXXX and added back with absolutely no supporting documents or proof from Experian. 

With extensive research. I have attached proof the account was removed, added back and the open dates are changed. Upon adding an account back to a consumers profile. Proof of an actual debt must be provided in support of a claim of an actual debt being owed to the alleged creditor. The Experian credit reporting agency and XXXX are not honorable companies. 

The Experian credit reporting agency stated they will not respond to anymore of my disputes unless I provide relevant information. Apparently, the truth is not enough! 

The credit report Date generated : XX/XX/XXXX ; the open date was XX/XX/XXXX. On XX/XX/XXXX the open date is now XX/XX/XXXX. This is proof of inaccurate reporting. The Experian credit reporting agency chooses to ignore this and XXXX chose to provide copies of alleged charges with questionable ip address history. 

I requested the contract between myself and XXXX in the form of validation notices. The contract actually signed by me to allow XXXX to report to my credit files which allows The Experian credit reporting agency to update my credit file. 

I should not have to fight for a good credit score or to be treated with respect, this is outrageous! I am to be protected! A complaint with the CFPB is necessary at this point. This is the only negative account on my credit file, it is not reporting to any other major bureau nor XXXX. ( see attachments ) Provide exactly how this account was validated as belonging to me. 

I have researched how The Experian credit reporting agency uses a standard letter to respond to complaints via this portal. Please take into consideration I would like an authorized representative to reply as I have a right to understand whats really going on with this particular account and Experian. XXXX generated auto reply messages will not be accepted.

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 2022-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reporting on credit report for XXXX XXXX that is fraudulent as the terms were changed by hand writing on contracts after contract was signed. I was not informed of these changes. The tax and payment information was altered and was not the original agreed to amount. This must be deleted from credit report. Police reports were also filed. 

Also this company is filing lawsuits against me in jurisdictions where I do not live in an effort to gain default judgements this is unscrupulous.

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 2022-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I inadvertently made two {$1000.00} payments to Chase on my Personal Line of Credit ( 1 ) on XX/XX/2022 and the second on XX/XX/2022. When I discovered that I " double paid '' I looked up my account online and saw that one of the payments had posted to the LOC at Chase and my balance was now just over {$7200.00} ( I have a {$10000.00} limit ). 

I intended to just transfer that first {$1000.00} back to my XXXX checking account - where it was paid from, but although they had posted my payment to the principal - the DID NOT make those funds available to me. I immediately contacted Chase this morning @ XXXX and spoke to CSR : XXXX in the XXXX, and XXXX told me that " because no payment was due at the time I made the payment online through Chase, they are not releasing the credit until my next due date which is in XXXX. 

So Chase has taken ( both ) my payments but will not make those funds available to me until my next payment due date. This is very wrong. Don't I have certain rights under Regulation Z and possibly E? Crediting of payments and availability of funds on an electronic transfer? How about XXXX???? There is nothing in any disclosure that states they will not make funds available until the NEXT payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reporting on credit report for XXXX XXXX that is fraudulent as the terms were changed by hand writing on contracts after contract was signed. I was not informed of these changes. The tax and payment information was altered and was not the original agreed to amount. This must be deleted from credit report. Police reports were also filed. 

Also this company is filing lawsuits against me in jurisdictions where I do not live in an effort to gain default judgements this is unscrupulous.

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One is trying to collect a credit card debt that is owed by my father that has the same name as I do and used my home mailing address as well as my social security # to open up this card. My father kept up with making payments and then it shows that all payments stopped the month before he passed away. I tried explaining this to them and they didnt want to hear it so I feel as though theyre trying to get me to pay a debt that isnt mine and Im not paying it even though I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NC

Complaint narrative:
I have items on my report that do not belong to me I disputed these items prior and they had got deleted but now they are reflecting on my credit reoprt as charged off or closed accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NC

Complaint narrative:
I have items on my report that do not belong to me I disputed these items prior and they had got deleted but now they are reflecting on my credit reoprt as charged off or closed accounts XXXX 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 non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SECURITY CREDIT SERVICE account with a balance of {$310.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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