vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: NV

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 : XXXX BANK 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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NV

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or 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 data is inaccurate.

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 2023-02-27 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
There is a Credit Card company name " Target Card Services '' that is reporting a fraudulent account into my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.

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 2023-02-27 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: EQUIFAX, INC.
State: TX

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. XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Improper use of credit info without written communication

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 2023-02-27 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: Mortgage Research Center, LLC
State: CT

Complaint narrative:
Improper use of credit info without written communication

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 2023-02-27 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: Collection Management Holdings, LLC
State: NM

Complaint narrative:
My medical bills were to be paid by Medicare insurance, which did not pay due to billing errors. XXXX XXXX XXXX XXXX XXXX ( XXXX ) accepted my Medicare Advantage insurance for services provided on XXXX XX/XX/XXXX. The bill was partially paid by my insurance, but the provider never submitted a corrected claim for the rest of their and the physician 's bill. I have never received a bill from either XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the physician 's bill. I contacted their billing offices repeatedly in XXXX and XX/XX/XXXX and was told they had lost my file, then they were changing billing companies, then I should stop calling them and they would submit corrected bills, and finally, I was told if I never received a bill, " so be it. '' Nothing was heard for 6 years when XXXX XXXX XXXX ( XXXX ), a collection agency, surfaced in XX/XX/XXXX and said I owed XXXX XXXX XXXX ( who I have never dealt with ), {$660.00}. I was also told the doctor was not obligated to accept my Medicare insurance- which is obviously not true since the facility accepted my insurance cards at the time. I sent XXXX documentation and they said, first, to have a nice summer, and a week later told me if I did not pay, they would report the unpaid bill to the credit bureaus. Nothing was heard for six months and then Credit Management Company, a new collection agency that has never billed me, reported an open account to XXXX. The alleged debt was for XXXX XXXXXXXX XXXX  - again a company I have never dealt with. I have researched XXXX and XXXX and learned they are both bankrupt and there are many similar instances of improper billing filed with the XXXX XXXX XXXX XXXX XXXX  ) in XXXX Texas. I tried to find out any information about XXXX XXXXXXXX XXXX  and was told they are a recruiting company that would not have ever billed me for professional services. They have not returned my telephone calls. The collection agency that has taken action to report an unpaid debt is Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX. They have not responded to my query. I have filed a complaint against them through the XXXX of XXXX Pennsylvania. I also filed a complaint against the bankrupt XXXX and XXXX with the XXXX of XXXX XXXX Texas and the Texas Department of Insurance. Complaints have also been filed with the No Surprise Help Desk at the Centers for Medicare & Medicaid Services and the New Mexico XXXX XXXX XXXX XXXX Department NM Senior Medicare Patrol . The provider XXXX said they accepted my Medicare card for payment, billed the insurance provider, then failed to correct errors. Had they corrected the bills, the amount claimed would have been paid in full and I would owe nothing. There is no reason I owe this money for a failure to correctly bill by the medical provider and physician within the prescribed time to submit bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX is deceased and I am the beneficiary of her account. She purchased a cashiers check for XXXX on XX/XX/22. After the check was declared lost in the mail her funds were never returned to her account ... ... .even after the 90 day void on the check. I had an appointment today to discuss this with you but unfortunately, my current health keeps me from travel. 

I would like this money returned. I made another appointment for friday but unable to know if I can make it. I am attaching a death certificate and a copy of the cashiers check. Please help me resolve this matter. 


sincerely, 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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have credit card account with Union bank since XX/XX/XXXX. I was making regular monthly payment. I use XXXXXXXX XXXX  electronic checks for payment. On XX/XX/XXXX XXXX I received the letter from Union Bank stating my payment was received in XX/XX/XXXX but is returned, not accepted. I will incur late fee with next statement and needed to pay ASAP. Of note, due date is XXXX of each month. Bank deliberately mailed the letter late to set up a customer for late charge. 
I confirmed with XXXX XXXX check was mailed on XX/XX/XXXX and was cleared on XX/XX/XXXX I have the letter from XXXX XXXX  with a copy of the check. I called Union Bank, I was advised the case will be escalated with payment team and I should check in five business day. On XXXX XXXX I received a letter from Union Bank advising me to pay ASAP to avoid collection process! I called Union bank again on XX/XX/XXXX and was advised in rude away I have to pay. I again advised Union Bank I did not receive any reversed payment, {$200.00} were sent by XXXXXXXX XXXX. I did not receive my money back. I was advised again case would be escalated to the payment team I have to wait for ten business day. I called on XX/XX/XXXX and was advised same, case was escalated As responsible consumer with credit score XXXXXXXX I am concerned about the situation. I am between two banks now, I payed on time, two weeks prior to due date. As of XX/XX/XXXX I did not receive a check from Union bank with reversed payment.Money were cleared from my XXXX checking account! I called your agency and I was advised to open dispute case. I tried to open it last week and today, XX/XX/XXXX Both time my request to open the dispute case was declined! I just spoke with representative XXXX who declined my request. I asked to speak with the supervisor but she/he is not available .I was advised supervisor would call me back within an hour. 
I did make my payment on XX/XX/XXXX with the memo to apply the payment for my XXXX statement. I believe XXXX payment was lost but money were cleared from my account .I would like to pay my XXXX dues when I receive my money back! It should be in Dispute process .Union Bank declined to open Dispute case. 
I appreciate your assistance in this matter! 
I can prove with my monthly bank statement, so called reversed payment is not received. 
XXXX XXXX XXXX number with Union Bank 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 2023-02-27 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: KY

Complaint narrative:
Ive disputed a bankruptcy multiple times with Experian and they continue to say that XXXX XXXX  reports the information as accurate, however Ive contacted XXXX myself and experian never contacted them. XXXX and XXXX investigations lead to the bankruptcy reporting being deleted from my credit report, but experian refuses to delete the information from my 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 explanation
Consumer complaint received 2023-02-27 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written letters to Experian, XXXX, and XXXX to delete this account that is older than 7 years on my credit report. They have been ignoring my requests. So I sent a letter directly to XXXX XXXX, pretty much asking them to stop reporting an account that is older than 7 years old because that is against the law. Instead of deleting it, they sent me a contract as their " proof '' of reporting. But what good is providing proof of a contract when the contract clearly says XXXX on the header of the paperwork ( attached ). It is XXXX! Also, XXXX is not reporting because they are aware that it is past the 7 years statute for reporting time. Delete the account with XXXX XXXX ( Account # 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 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM TRANSUNION, XXXX, XXXX AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX NXXXX 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

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 2023-02-27 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: Westlake Services, LLC
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-02-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXXXXXX 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 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I got a missed call for Aargon Agency ( or someone claiming to be ) at XXXX central time on XX/XX/23. I called back at XXXX central XX/XX/23 and someone picked up asked my name I confirmed the name, he then went on to say I owe money. He asked if I lived XXXX   I said no he said ok. I then said I've spoken to someone about this before and asked for information to be sent to me and I've never received anything. He asked what information I then began listing what I need, " 1. the original contact, 2. Original info from original creditor, their name, their ... ... '' he interrupted me before I could finish saying XXXX XXXX  I can not give any of that to you ''. I then said " why you have to provide that I need to know its legit I've been scammed before ''. I then said " I will dispute it '' He said " go ahead ''. I had 4 things I need and I wasn't even allowed to get through the 2nd things.

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 2023-02-27 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: MI

Complaint narrative:
Public Service Loan Forgiveness I submitted a certification form PSLF forms to MOHELA on the following dates : XX/XX/XXXX - Civilian XX/XX/XXXX - Military - XXXX XXXXXX/XX/XXXX - Civilian employment XX/XX/XXXX forms cover my XXXX XXXX  and military service. My XXXX XXXX  went from was from XXXX. After review I have not been credit for military service time or my XXXX XXXX. I made payments during this time and if public service is credited I would have completed 120 months and be eligible for loan forgiveness. 

XX/XX/XXXX additional dates at my current XXXX XXXX job. I am requested that this time be counted. 

MOHELA continues to not credit my public service to reach loan forgiveness. I am requesting that MOHELA review and credit my public service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief