vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I got a debt medical collection on my credit report now from XXXX had a car accident in XXXX  and we never recieved bill of this amount. My lawyer paid every single bill I had. I did not recieved any bill of this amont ever and I called the collection to send me detailed bill, they never sent me. My lawyer paid of around {$37.00} other medical bills.

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 2023-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have possessed a Walmart Capital One card since XXXX. I have NEVER been late with a payment. On XX/XX/XXXX I was on XXXX and tried to make a purchase and was told my card was declined. I called capital one, talked with a voice prompt and they asked me to confirm I tried to make the purchase today. I confirmed I did and it said I should go ahead a place the order. Tried and it was declined again. I Called Capital One and talked to a live person this time. On the XXXX call the girl said I reached my credit limit. I said then we have fraud because I have no new purchases on the card. She transferred me to operator XXXX. That person informed me that because I had a bill of {$38.00} that was due on XX/XX/XXXX ( 7 days ago ) they shut down my entire account. I said, that's impossible. No phone call, no XXXX mail, no notice, you shut down an account because I'm 7 days late and I've never been late before?? She said that is how it's done at Capital One. I asked for her XXXX and was told she is the highest person I can talk to. I called back and talked to another person and was told the same thing. I can't believe the law allows Capital One to shut down an account without notice for {$38.00} for being 7 days late, when I have never been late before. Wouldn't a person just get a bill the next month with an unpaid balance notice and a late fee. To shut down the account is insane. Please help, this can't be the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC

Complaint narrative:
Re : Loan number : XXXX Loan Depot had purchased a lender-placed hazard insurance on my home at _____for exorbitant cost and now Im expected to pay a large sum for it. 
My home owner insurance expired on XX/XX/XXXX of XXXX. At the time I had to deal with some family emergency and I had to travel overseas. Therefore I did not get these notices. Loan Depot then proceeded to buy hazard insurance for my home for the cost of {$5900.00}. I found these notices in XX/XX/XXXX. When I contacted Loan Depot, I was told to submit proof of insurance before you would cancel the policy and I would owe Loan Depot {$2000.00} for the duration of the insurance roughly between XX/XX/XXXX and XX/XX/XXXX. 
This policy is predatory for these reasons : 1 ) It seems to me Loan Depot bought the most expensive policy there is. Theres no accountability on the part of Loan Depot because the money does not come out of Loan Depots account. Not paying would put my home at risk for a foreclosure. Therefore, this action, in effect is forcing my hand to pay an unreasonable sum of money to the benefit of Loan Depot and its associates, whoever this company is that sold this exorbitant policy. 
2 ) I have been a very good customer of Loan Depot. I have always paid my mortgage on time and except for this last incident has never caused any problem with my loan. Yet, Loan Depot did not even take this into consideration before springing into action in order to take advantage of this opportunity to gouge a customer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, 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 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 2023-01-12 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: CA

Complaint narrative:
I downloaded my credit report and asked Equifax to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Equifax has tried use stall tactics despite my many attempts to solve this issue.

1. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX 3. Account name : XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXXXXXXXXXXX**** 5. Account name : XXXX XXXX XXXX Account number : XXXX 6. Account name : XXXX Account number : XXXX 7. Account name : XXXX XXXX Account number : XXXX 8. Account name : XXXX XXXX XXXX Account number : XXXX 9. Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX. Account name : ( Original Creditor : ) Account number : XXXX 11. Account name : XXXX XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all 3 credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how Equifax has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Right before the pandemic launched, I lost my XXXX American Express credit card and was waiting for a new card to come in the mail in XXXX of 2019. The card was sent priority mail and delivered to my front door. Someone stole the card and attempted to withdraw cash at an ATM ( per American Express ). This now has an open balance which is fraudulent and should be disputed. Then, I received an email stating I was approved for the XXXX American Express credit card that I did not apply for in XX/XX/XXXX  2019. Again, in XXXX of 2019 I received a letter in the mail stating I had applied for the XXXX XXXX American Express credit card, but I had not applied for this. I called American Express and reported all three instances immediately. I have followed up NUMEROUS times with employees hanging up in my face and NO RESOLUTION to date including details around the identity theft. This negatively impacted my credit score and I was unable to secure housing due to the derogatory remarks. I am now a victim of identity theft and am still waiting to hear back from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: LA

Complaint narrative:
Ive been trying to resolve this issue since XXXX of XXXX. I had a checking account with Chime. On XX/XX/XXXX of XXXX, a charge hit my account from XXXXXXXX XXXX XXXX  for {$4000.00}. I have never XXXX XXXX XXXX  from this company. 
I am a victim of identity theft, and I sent my identity theft report and police report to Chime. They denied my claim. I asked them for documentation of what they did to investigate. What they sent me said that all they did was call XXXX and an agent told them over the phone that their info in the computer matched my information. 
Chime told me that my old Virginia license was used to rent the car, and I havent had that license since XXXX. 
Also, the dates that the car was rented, I was in the XXXX  in Louisiana. I sent them documentation of that. The car was rented in XXXX, Florida. They still refused to remove the charge. 
I wasnt aware that I could go through this service to try to get this resolved, or I would have done so much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, # XXXX # XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # N/A 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check and chase said they need to verify it and it will take until XX/XX/2023. 

I waited and on the XXXX I checked and my account was still locked, I called the fraud dept and they said I need to verify the check. I went to chase bank and verified the check with the person that gave it to me. They said its too late and my account is closed already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was contacted by the `` County Process Server '' on XXXX at XXXX and told I was being served for garnishment and to call XXXX XXXX XXXX XXXX XXXX at XXXX. I spoke with the receptionist, XXXX and XXXX at XXXX XXXX XXXX. They knew my social security number, a previous address and a current address. They gave me the last 4 numbers of an HSBC account that I have never had. I contact HSBC customer service, collections and recovery. XXXX XXXX XXXX XXXX XXXX XXXX said that I last made a payment on XXXX  for {$75.00} which I have no record of. They also gave me a another date of XX/XX/XXXX? They said the debt was {$2000.00} and that they would settle it for {$750.00}. I believe that they were scamming me. I attempted to call back the process server and reached only a voicemail. XXXX said they had mailed a letter to my address, which I did not receive. I requested a copy of this letter and he refused to provide it to me. I requested more information on the debt and he said that I would get that during discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
TransUnion and XXXX Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX on behalf of XXXX XXXX. This bill was paid by XXXXXXXX XXXX and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a provider. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the Doctors office and I requested TransUnion and XXXX remove the false information being reported by XXXX XXXX XXXX They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both TransUnion and XXXX keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.

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 2023-01-12 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: TX

Complaint narrative:
There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXXXXXX XXXX XXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all three credit reports ( XXXX, XXXX, and Transunion ) even though they were defaulted over XXXX years ago. Each time the loans get transferred they treat it like a new account and start the XXXX year reporting window over even though this was without my consent. I have disputed this with all XXXX agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.

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 2023-01-12 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: TX

Complaint narrative:
There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all XXXX  credit reports ( XXXX, Equifax, and XXXX ) even though they were defaulted over XXXX  years ago. Each time the loans get transferred they treat it like a new account and start the XXXX  year reporting window over even though this was without my consent. I have disputed this with all XXXX  agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXX OF XXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all three credit reports ( Experian, XXXX, and XXXX ) even though they were defaulted over XXXX  years ago. Each time the loans get transferred they treat it like a new account and start the XXXX year reporting window over even though this was without my consent. I have disputed this with all three agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.

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 2023-01-12 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: SC

Complaint narrative:
ON XX/XX/2022 in the amount of XXXX  XXXX XXXX XXXX has unlawfully purchased a debt that does not belong to me the consumer, from XXXX XXXX XXXX XXXX, and have reported this transaction to the EXPERIAN REPORTING AGENCY, without my consent nor knowledge I was never contacted on this matter. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by XXXX XXXX XXXX nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to opt out of any and all reporting of my information.

Company response to consumer: Closed with non-monetary relief