vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
1.I have never had an account with this company JPMCB CARD , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are JPMCB CARD the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: PA

Complaint narrative:
Receivables Management Systems is damaging my credit by illegally reporting collections on a medical debt of less than {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /sXXXX 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2023-02-07 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-07 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-07 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: DC

Complaint narrative:
To whom it may concern I contacted XXXX XXXX, XXXX and Experian regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, XXXX XXXX, or Experian did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, XXXX XXXX XXXX Experian fail to uphold the FCRA and confirm the validity of this account

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
ProCollect wants us to pay {$13000.00} for an illegal debt not owed. They state they are not the company to speak to. Well, please explain why they have a debt and have hit our credit? The debt not owed on our credit report has their name on it. They are responsible and are committing extortion. XXXX does not have our debt. PROCOLLECT has their name all over it. They are in violation of FCRA and violating my Rights under TN State law and federal law. I assume the people at PROCOLLECT are illiterate. The debt has their name on it. No one else has their name on it. It states PROCOILLECT the village idiots of debt collection have their names on 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 explanation
Consumer complaint received 2023-02-07 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:
I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2023-02-07 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TOTAL MORTGAGE SERVICES LLC
State: RI

Complaint narrative:
I applied for the XXXX assistance XXXX XXXX program through my state and was approved for assistance with paying my mortgage. I made all my mortgage payments on time and have never been late, even through the process of applying for this assistance. I physically made my own mortgage payment for XX/XX/XXXX and I was approved for this program in late XXXX. The XXXX XXXX sent payment to the mortgage company on XX/XX/XXXX in the amount of XXXX to cover my mortgage which was still not late or past due or in delinquent status at that time. I called the mortgage company several times throughout this process to keep them aware of the application, process and payment information and paid my mortgage throughout. The funds were sent to the mortgage company on XXXX. XX/XX/XXXX my credit report shows my mortgage was 30 days late for XXXX. I called and spoke with them who assured me yes they see the payment and they will rectify the credit problem as I made my XXXX payment. It has been XXXX days and in the meantime I have called them several times to remedy this issue and it seems every time the story changes and they are not on the same page internally. XXXX credit report shows my mortgage late for XXXX, and the other shows late for XXXX, XXXX days late, although they said it was XXXX, which I paid on time, portions of my credit report show conflicting information on this account with regards to late/current/months paid status. I have called them more than 5 times to find a resolution. I have never made a late payment on my mortgage in the XXXX years I have had it. The payment was sent to them to cover XXXX, XXXX and XXXX mortgage and they have not internally applied it to my account. They said they have a disorganized internal system for dealing with the incoming payments from the XXXX funds from states. This is not my fault and should not be negatively impacting my credit. My credit has been egregiously affected and dropped over XXXX points. You will see my credit I have no late payments or a history of late payments. Another creditor of mine reduced my credit limit on my card by {$2000.00} as a direct result of this negative reporting. This has not been handled properly or in a timely, orderly organized fashion. My credit reporting for this account doesn't match and is XXXX misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I submitted a request for refunds of voluntary payments during the pandemic in XX/XX/2022. I was told during that initial request that it would take 90 business days. Since then, the timeline has been pushed back with no movement in the process. My loans are currently being serviced by Mohela but were originally serviced by 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 2023-02-07 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: FL

Complaint narrative:
I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the XXXX reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
Equifax especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report. 

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions.

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.

Company response to consumer: Closed with explanation