vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: CT

Complaint narrative:
I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have 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 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

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 2023-03-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma said I had excellent odds of being approved for a credit card and I was denied. Causing my credit score to lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Unknown charges has been applied to account other than the mortgage payment info. These charges are called " Outstanding Principal '' and " Deferred Balance ''. Doing some research I found that these balances are actual legal fees that I know nothing about or how I got them. It appears it occurred when the original loan provider sold the loan to " Shellpoint '' or doing some acquisition process. This fee is separate from the principal balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 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: AK

Complaint narrative:
I requested from XXXX XXXX, XXXX and Equifax to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: AK

Complaint narrative:
I requested from XXXX XXXX, Experian and XXXX to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-04 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 have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX XXXX 
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: TX

Complaint narrative:
A recently deleted account was illegally restored to my TransUnion and XXXX credit file. I have challenged this debt to both credit bureaus with supporting documents. XXXX has taken responsibility for their inaccurate reports. However, TransUnion conducted a 4-day investigation. A thorough investigation will take approximately 30 days to determine the validity of the account. According to a representative of TransUnion, this led to an investigation. That takes a long time. The credit agency would undergo correspondence with the collection agency and the original creditor, to gather supporting documents. So, I don't think there ever was an investigation. On XX/XX/2022, I sent another letter to TransUnion asking how the account was verified and what documents or contracts were used to consider this account verified. I received a letter from TransUnion that said, " I don't understand the nature of this letter. '' Standoff tactics. I will attach the XXXX and TransUnion reports. Which contains several inaccuracies and inconsistencies. " Supposedly '' this account was verified, I don't know how. If so, where's the evidence proving this account as valid.

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 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: SC

Complaint narrative:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the ****** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC ****b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC ****e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC ****a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC ****j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC ****g , therefore you are not only using unfair and deceptive practices under the ***** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the ****** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC ****b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC ****e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC ****a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC ****j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC ****g , therefore you are not only using unfair and deceptive practices under the ***** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods 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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX This does not belong to me and i.dont recognize it

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX  This does not belong to me and i.dont recognize it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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 below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *CXXXX XXXX XXXX account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING EQUAFAX, XXXX, AND XXXX have violated my rights as a consumer and disregard to the laws set forth in FCRA. 
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.

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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any 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
Consumer complaint received 2023-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I processed a credit card payment for my business through a chase owned company called wepay. This was done on XX/XX/2023. The funds are still not in my account and the customer has been charged by their credit card company. There is no way to contact the department responsible for the review of the charge and all the customer service agents stated each time ; " Its under review ''. The review period per the terms and conditions is 1-3 business days. That time has expired. I have called numerous times and submitted numerous tickets to their system all of which have gone unanswered. When I call chase bank they direct me to the 3rd party company ( which they own ) and I get no where. I just want my money to feed my family and pay my bills and I shouldn't be out of pocket {$15000.00} because a company is not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
Good Afternoon, My name is XXXX XXXX and I have a medical debt ( {$2300.00} ) that my insurance company ( XXXX ) already paid. If you would like to talk to them about it, please call them at XXXX. This debt has been sent to debt collections, even though I communicated with the XXXX XXXX folks about 20 times over the last now 3 years and sent them the contact info for my insurance company. XXXX told me the hospital was trying to double bill me. I complained about this last year, as well to you all. I was in a car accident that cops determined was the other driver 's fault. I went to the hospital to get imaging done for my neck. The other driver 's insurance company promised to pay all medical debts. My XXXX was paying the debts up front and billing the other insurance company ( progressive ) for compensation. Unfortunately, I am still dealing with this and feel I am being harassed. I have tried calling the debt collection agency ( Healthcare Revenue Recovery Group - HRRG ) and they never pick up the phone. Please help me! A new billing letter was sent to me on XXXX XXXX, but I did not receive it until a couple days ago. I am stationed on XXXX XXXX in AZ right now and can be reached at XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
Have a balance on an expired card. Tried to get a replacement card. Was put on hold for XXXX XXXX minutes the first time I tried and gave up. Then again for XXXX minutes. No one gets on the line and there is no simple way to replace the card on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX This does not belong to me and i.dont recognize it

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 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have XXXX money order in XXXX cheques deposited into my account since XXXX/XXXX/2023. Within the the XXXX money orders XXXX have been cashed by the bank they received the funds already. My account has been restricted because they have not cashed the others money, and no fraudulent activities has been confirmed yet it is still in process. What i do not understand is why i can't have access to be own money into my account while the money order in process have not been cashed yet. As a consumer i have affected by this, because i feel like i am not treated fairly and i missed my rent payment because of this .Is there anyway i can take legal actions against chase bank XXXX Also i requested their employee number they did not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I recently received an alert on XX/XX/2023 about a derogatory reporting from a creditor named Credit Collection Service in the amount of {$480.00} on all 3 of my credit files XXXX, XXXX, XXXX. This account does not belong to me and as reported I am a victim of identity theft. This account should have never been reported on my credit file as a derogatory remark. I made a permissible request to remove this fraudulent report. I called and reported to each of the bureaus. I am being effected by this identity theft and I need this creditor investigated & a complaint ordered for the false reporting that has called me agony and stress.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: OH

Complaint narrative:
This company has closed my account yet is ACTIVELY STILL reporting monthly the collection on my credit report in an attempt to harass me into payment ... a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Inquiry ) 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.

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