vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I do not know how this is on my credit. I was barely XXXX and the CARD ACT strictly says that i must be with cosigner in order to have a credit card which is why i cant get one now. This says i opened this in XX/XX/XXXX - in addition it says in order to have a credit card you have to prove you can support your self, but i still to this day live with my mom, i have not had a job at all and only go to school, i have an allowance of {$20.00} dollars per week IN NO WAY DID I EVEN KNOW I HAD THIS CARD OR APPLY FOR THIS CARD OR USE THIS CARD, I DEMAND THIS REMOVED FROM MY CREDIT REPORT. I AM STILL LIVING AT HOME, BUT I PULLED MY REPORT TO SEE HOW TO LEARN TO START BUILDING CREDIT AND I FOUND THIS ON THERE I DEMAND IT REMOVED I DO NOT OWE YOU MONEY AND IF YOU SENT ONE TO ME THEN HOW IN XXXX DID I NOT KNOW BECAUSE I COULD NOT HAVE BEEN APPROVED THEN AS I WAS XXXX YOU ARE BREAKING THE LAW AND THE CARD ACT OF XXXX SAY YOU CAN NOT APPROVE ME REGARDLESS SO WHO DID YOU GIVE THIS CARD TO REMOVE THIS OR I WILL GO TO XXXX, NEWS STATIONS AND ATTORNEY GENERAL I AM A KID STILL AND YOU RUINNED MY LIFE BEFORE I EVEN GOT STARTED I WILL ABSOLUTLYE FIND A LAWYER AND SUE IF NOT REMOVED IMMEDIATLEY AND I WANT PROOF ITS BEEN REMOVED WITH OUT ANY FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Amount of debt : {$1500.00} Date of Service : XXXX XXXX Provider of Service : HCA Florida XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from HCA Florida XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to HCA Florida XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of 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 will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any 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 a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/2022 Bank of America " refunded '' one of my credit card payments. They are very unclear about where the money went. All I know is that I didn't request the refund and I didn't get the money back. 

Over the course of 3 " looooong '' phone calls BofA said they would look into it. They try to wear you down and long weight times and sickening advertising. 

I finally got a letter saying they refunded the money to account ending in " XXXX. '' On other explanation provided. How did they let it happen? What is full account number information? 

They considered the case closed. Wrong! I will fight all the way to Supreme Court if I have to. This is wrong!!! 

I believe BofA has acted with criminal negligence. 

BofA Case Number is XXXX. Original " fraudulent '' Transaction Date is XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IN 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 monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.

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 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act US DEPT ED Account # 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 non-monetary relief
Consumer complaint received 2022-06-08 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX EQUIFAX is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. EQUIFAX has caused me tremendous harm in the form of XXXX, anger, anxiety, lack of sleep and focus, lack of motivation in daily routines and severe stress. EQUIFAX is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
The week of XX/XX/XXXX I wanted to close inactive account that was 16 % interest. Discovers retention dept offered 0 % for 12 months on old card. I agreed. Received new card on XXXX XXXX XX/XX/XXXX I get letter dated XX/XX/XXXX stating Discover will be closing my account. Spoke with an agent stating I had another open account. When I inquired agent would not give info about account. Spoke with several customer service reps account managers and fraud dept. one agent stated he had a pedigree. A supervisor in XXXX stated Discover can close customer accounts at any time. So because the portfolio dept didnt communicate with the retentions dept I am out a 0 % interest card for 12 months. The supervisor stated I could always apply for another card. The reason I had two cards was because in XXXX of last year I asked for 0 % again on my first card being a loyal customer they denied it so I opened new card and forgot about old 16 % card. I called today and the XXXX customer service rep was supposed to transfer me to supervisor and we got disconnected. When I asked one supervisor if I could record the conversation she said discover doesnt like that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: IL

Complaint narrative:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

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 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My identity has been stolen and is being used my Social Security number I have several hundred inquiries every day on my credit report Im not able to do anything with my credit all my accounts are hacked credit cards have been made in my name that I dont have anything to do with I cant keep an account without somebody breaking into and stealing information there have been banking accounts opened there have been major blocks on companies that Im never allowed to use again because of whoever messed with it created a lot of problems and had me locked out for life like XXXX XXXXEtc. I dont know what to do I tried to fix it myself and reach out to the company and the services and let them know that I was not the one making the accounts in creating everything under my name and Social Security number please help or let me know what I can do this has been going on a long time I have just been in denial Also I was reported deceased on my credit report at one time on experian.com and I have mail coming to the house for car insurance and things that I dont even own and Im constantly being profiled

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 2022-06-08 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: NY

Complaint narrative:
on XX/XX/22 I requested that XXXXXXXX XXXX cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXXXXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
on XX/XX/22 I requested that XXXX financial cease and desist collections due to the fact that this account under XXXX law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.

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 2022-06-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX  XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX. 
Balance {$530.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. 
Balance {$1300.00}

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XX/XX/2020, I was late making my mortgage payment to Shellpoint Mortgage Servicing due to COVID-19, which negatively affected my income. I contacted Shellpoint Mortgage Servicing in XX/XX/2020 to advise of my situation and ask for help. I was granted a forbearance and advised the late payment would not be reported to the three credit bureaus as the issue was due to COVID-19. However, the late payment has been reported to all three credit bureaus, negatively impacting my credit score. I contacted Shellpoint Mortgage Servicing via their website to request that the negative rating be removed from my credit report as it was due to COVID-19. However, I did not receive a response. 

Before XX/XX/2020, my account was in good standing with no late payments. My mortgage account is in good status, and I have not had a late payment since XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
The CFPB needs to review the billing dispute process at this banking institution. Never in my life, have I had such difficulty resolving a small dollar dispute with a credit card provider. Timely filed billing dispute case XXXX for a total small dollar amount of {$310.00}. Attached is just a part of the lengthy amount of information submitted to the business. In fact, the business sends an email dated XX/XX/2022 asking for an unnecessary piece of information requesting a " letter from a neutral third party ''. As requested, a letter was submitted, about seven days later, the business reaches out and asks for " a letter on business letterhead ''. The individual is self employed. The business needs to fix the wording they use if they expect a cardholder to hire a third party company for an expert opinion. 

Attached is a service invoice from the business dated XX/XX/2022, the business removed ALL of the equipment referenced in my original dispute. The dispute is valid, remove the charges from my 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 2022-06-08 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 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. 

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score

Company response to consumer: Closed with explanation