vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been having a problem with a dispute I made with Paypal Credit ( Synchrony Bank ). I submitted a dispute for a charge that was defective on XXXX for a merchant, XXXX. I advised that my purchase was defective and I had contacted the merchant on a couple of occasions for a refund or replacement, as there is a warranty on the purchase. I have not received any response. PayPal service associate, XXXX, advised me I would get something in the mail in 7-10 days regarding my dispute to sign and return. I never received anything. I had called them back and was advised that I would get some kind of contact regarding the dispute. I called a couple of times to follow-up because there was radio silence on their part. The next contact I received was a letter on XXXX stating I had to contact the merchant! 

The merchant is overseas, which I advised them. Furthermore, I had sent the merchant e-mails on XXXX and XXXX regarding my request for credit or replacement to no avail. Thats when I reached out to PayPal Credit for assistance. They seem to be very useless and didnt ask for anything from. When I received their letter, they advised me that I needed to contact the merchant. Well. did you not listen to anything I said on the calls I made? I talked to XXXX, a manager on XXXX regarding the letter. He advised me that I can submit it again, but he initially told me that the decision on the letter I received was likely final. So am I to spin my wheels again and wait out the time just to get another letter stating, You have to contact the merchant. I thought my credit bank was an advocate for me? PayPal Credit i.e. Synchrony Bank is not living up to its values. Its doing the reverse. Here is what I believe their values mean BEING HONEST- Just dont waste your time, its denied BEING RESPONSIBLE- Let customers take care of their own problems, we are not here to reduce customer effort PASSION- We are here to fuel only our profits CARING- Show zero empathy and compassion to our customers DRIVEN- Drive away customers with our bootleg service BOLD-We strive to not be a differentiator among our industry peers.

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 2021-08-22 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i have reached out several times i have sent police reports and identity theft reports please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to TILA ( Truth in Lending Act ) 15 U.S.C.1602 ( L ) this company has used my Credit Card to create a report on me regarding my reputation as a consumer without my authorization or approval assuming a vital role that they were not asked to obtain identified by congress under Title 15 U.S.C. 1681 ( a ) ( 3 ). They have committed many Unauthorized Uses of my Credit Card as well as invaded my privacy as a consumer with the furnishing of accounts that are inaccurate which does not provide a benefit for i the consumer under Title 15 U.S.C.1602 ( p ). This company also furnished the accounts without written instruction form the consumer or a judgement of competent jurisdiction violating Title 15 U.S.C. 1681b ( a ) ( 1 ) & ( 2 ) .This company has also furnished my information to third parties without direct authorization to do so causing 59 inquiries to show in the report not connected to accounts directly damaging my reputation as a consumer and directly violating Title 15 U.S.C. 1681n ( b ) ( 2 ). According to the FCRA ( Fair Credit Reporting Act ) the contents of these accounts are considered exclusions of a consumer report under Title 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) as well as violations of the treatment of credit balances under Title 15 U.S.C. 1666d of the above mentioned TILA ( Truth in Lending Act ). I have yet to receive any validation of the alleged debts connected to these accounts under the FDCPA ( Fair Debt Collection Practices Act ) from the reporting agency nor the alleged creditor who reported the accounts to the agency pursuit to Title 15 U.S.C. 1692g. This company has caused me great hardship as a consumer with the damage to my reputation as well as the violation of my privacy. Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy pursuit to Title 15 U.S.C. 1681 ( a ) ( 4 ).

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( 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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX XXXX XXXX # XXXX, # XXXXThird-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: PA

Complaint narrative:
I finally looked into my credit and saw a collections from XXXX XXXX XXXX XXXX  Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2021-08-22 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: PA

Complaint narrative:
I finally looked into my credit and saw a collections from XXXX XXXX XXXX XXXX  Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2021-08-22 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I finally looked into my credit and saw a collections from transworld systems inc. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts ARS ACCOUNT RESOLUTION # XXXX, # XXXX, # XXXX, # XXXX, Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above company and I request again that proof of Claim and verification. I am filing a complaint over XXXX XXXX violation as well. I am not sure how my personal information ened up at the office of ARS ACCOUNT RESOLUTION

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 2021-08-23 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: PA

Complaint narrative:
I finally looked into my credit and saw a collections from XXXX XXXX XXXX. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2021-08-23 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: PA

Complaint narrative:
I finally looked into my credit and saw a collections from XXXX XXXX XXXX. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2021-08-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/ I send a registered mail letter to credit bureau they have not responded. Second letter XXXX XXXX see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief