vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.

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 2022-10-09 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
XX/XX/2022 received a phone call from XXXX XXXX XXXX XXXX. A person stating they are attempting to collect a debt owed to a medical center. The agent on the phone asked if i was ready to make a payment, I informed them that i was not comfortable giving out my financial information over the phone to people who call me. I requested that they send me paper work for the owed amount and where the bill was from and accurate information on payment types available to me. I received no paperwork in the mail. XX/XX/2022 phone call from XXXX another agent contacted me requesting i pay over the phone to them for a debt owed to them for a medical bill. I again stated that i would like to receive a letter stating the company 's name what debt they where trying to collect and options of payment, as i am not comfortable making payments over the phone to strangers who call me. I received no paper work or mail the following months. I received another phone call from the collecting agency this time from a number that is different that I do not remember or can find on my call logs. I stated I am not disputing whether I owe a debt or not that I am uncomfortable making a payment over the phone to a company that has not sent me any paper-work stating what debt I owe or giving me a option to mail in a payment or make a secure payment at a legitimate website. That i would like to receive a proper letter. Then the agent said they would send me something in the mail and that there was XXXX debts this company was now trying to collect. Today XX/XX/2022 I received notice of a " complaint '' that was filed on XX/XX/2022 in XXXX XXXX of residence. Although in the complaint it states the filing date is XX/XX/2022 it was not filed until XX/XX/2022 which is past the XXXX statute of limitations on one of the debts filed in the complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
On XX/XX/2022, " Factual Data '' reported a fraudulent inquiry to XXXX which was not the result of any credit-seeking activity on my part. Factual Data informed me this was from XXXX XXXX XXXX. XXXX XXXX XXXX informed me this was from XXXX Mortgage. XXXX Mortgage XXXX XXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to Factual Data so they can move forward with removing the inquiry. '' XXXX at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). XXXX refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. Factual Data insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. XXXX Mortgage has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
On XX/XX/2022, " XXXX XXXX '' reported a fraudulent inquiry to XXXX which was not the result of any credit-seeking activity on my part. XXXX XXXX informed me this was from Quicken Loans LLC. Quicken Loans LLC informed me this was from Rocket Mortgage. Rocket Mortgage XXXX XXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to XXXX XXXX so they can move forward with removing the inquiry. '' XXXX at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). XXXX refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. XXXX XXXX insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. Rocket Mortgage has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Dear American Express, I would like to report the Business Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Dear American Express, I would like to report the Business Platinum Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission and opened the account in my name without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: WA

Complaint narrative:
credit karma said i was prequalified for credit card like 95 % CHANCE AND WAS TURNED DOWN A FEW TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Dear Chase, I would like to report the Chase Business Credit Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission and opened the account in my name without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. Please wipe all debt in relation to this account immediately. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 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: NY

Complaint narrative:
To whom it may concern, You have violated the law. Under the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the fo! lowing circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I the consumer never gave TRANSUNION any written consent to furnish a report or report anything on my consumer report, No consent is identity theft. A copy of the identity theft report is attached labeled exhibit A. I am demanding a copy of proof or written instruction be provided. The deletion of alleged debts owed accounts from my report and file and as pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) to be paid {$1000.00} per violation by check, all violations are stated in notarized affidavit provided as an attachment

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 2022-10-09 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: NV

Complaint narrative:
I have filed multiple disputes with Experian about in inaccuracies on my credit report. After my disputes, under their dispute center, they have marked those account as under bankruptcy and never late. However, they did not update these changes on my Experian credit report and they are continuing to showing those account as a negative information. I even tried to contact with them over the phone but couldn't resolved the issue. Please see the credit report and pictures from their dispute center. They do not match up.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I purchased an item from XXXX for a total of {$8.00} in XX/XX/XXXX. I made sure to set up auto pay at that time. My automatic payment was removed without my knowledge and authorization. 
I did not receive a notification that my payment was late until XX/XX/XXXX and I was charged numerous late fees and interest fees for a total of {$86.00} before I was even notified. 

I called XXXX on XX/XX/XXXX to resolve this issue and was told that if I paid {$36.00}, they would waive the rest of the late fees and interest. I agreed and authorized a payment of {$36.00} on XX/XX/XXXX to clear my balance. 

I received an email on XX/XX/XXXX that I had a payment of {$35.00} due on XX/XX/XXXX. My account shows they have not waived the late fees and actually charged me another late fee of {$40.00} and I now owe a total of {$85.00}. 

My XXXX XXXX has also been severely impacted by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Im submitting a claim to you all about XXXX XXXX thats located in XXXX Indiana. I currently have a used XXXX XXXX XXXX I purchase from the used car lot, back in XXXX  I had the car for a few years. I keep up with the maintenance on my vehicle when it was needed. In XXXX  I had my XXXX XXXX so I figured I should XXXX back into the XXXX. So I travel a lot with my vehicle come XX/XX/XXXX, my family and I was traveling to the base for military duties, and after leaving XXXX XXXX for an oil change my vehicle Engine went completely out on the highway I feel embarrassed afraid and stressed out and Im still facing XXXX XXXXfrom traveling due to this incident. My husband and XXXX  XXXX  stay on the highway for 3 and a half hours waiting to get a tow. Once we made it home safely I XXXX a recall for my vehicle I found the engine for all XXXX was going out there was a major recall on them. I called to set an appointment for my car to be seen and get another Engine. Its been very challenging for us these past few months to get around. Today is XX/XX/XXXX, I havent got the new engine I have creditors calling me daily to pay my notes, however. I Suffer financially from our vehicle bed and I have them process it without it being repaired so I cant pay anything or anyone my husband does his best to pay for everything alone. Since I dont have transportation I send a letter to Capital one. Stating 15 U.S. Code 1692d - Harassment or abuse. I give them 10 days to respond by writing I still havent heard back from anyone. Ill like the car Repair to be removed from my credit also have my title and my down payments and notes I pay back in my hand for false information about the vehicle.The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

amount : {$8500.00} After finance amount : {$15000.00} Monthly : {$260.00}

Company response to consumer: Closed with explanation