vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: AL

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 # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Account XXXX # # # XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-11-04 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: AL

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 # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company 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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: CO

Complaint narrative:
I saw a collections account on my XXXX XXXX XXXX that showed a recent open collections from Carter Young. I never received written mail, email, text or verbal call voicemail letting me know there was an account going into collections on a bill that i never received in the mail or digitally in email. 

I have called then 3x times this morning and been hung-up on 3 times. I have reached out via online chat just to have it ended early with out any help or direction to take care of this.

I just want to get this taken care of but Carter Young is putting up roadblocks/ not aiding in getting this fixed. I have read reviews that they have been reported to the XXXX before so I hope something is being done or looked into about this companies and their managers practices. 

My credit score has been negatively impacted due to their tactics, lack of transparency and blatant lack of following consumer laws. 

At this point I don't know how to go about getting this fixed because they hang up before you are able to get your debt issues figured out and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received my dispute results from Transunion Credit Bureau, and it was not in compliance with the dispute request for the documents sent to them by XXXX XXXX XXXX XXXX in regards to the charge off loan.I have been asking for the documents and procedures used by Transunion to verify and validate this account. I specifically as for the documents provided by the creditor XXXX XXXX XXXX XXXX, and have not received them in the timely manner consistent with the FDCPA of 30 days this is my my second time asking for these documents and not received them. By law they must remove this account or update it as payed as agreed IMMEDIATELY. I am including the results sent to me by Transunion. My next step is to file a law suit against Transunion.

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 2022-11-04 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: VA

Complaint narrative:
On my Experian report a charge off date is incorrect. The date on my report is being reported XX/XX/2020 as a charge off date. I paid the charge off amount for {$80.00} on XX/XX/2020. I spoke with XXXX XXXX XXXX  to verify the correct charge off date and it was verified the correct charge off date is XX/XX/2020. XXXX XXXX emailed me a letter that states i paid the charge off amount and the date, along with a credit card statement which shows the date i paid and {$0.00} balance. I've disputed this with Experian 5 times and sent Experian dispute department my proof by XXXX certified mail. Experian refuses to correct the error made on my report and claim the dispute department verified the info on my credit report as being true an accurate. I don't believe Experian took the proper steps to contact XXXX XXXX bank to verify the correct info. I spoke to Experian dispute department several times and explained to them, but they refuse to correct this error.

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 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management continues to call every day, spamming my cell phone number multiple times. I never had any prior dealings with this company, I owe no debt to them nor do I have any unpaid outstanding debts with anyone. 
Here 's the most recent call log of their spam calls : XXXX XXXX XXXXXXXX XXXX PDT XXXX XXXX XXXX XXXX  PDT XXXX XXXX XXXXXXXX XXXX  PDT XXXX XXXX XXXXXXXX XXXX PDT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX - Return Order ( Order XXXX ) Label provided by XXXX  - Tracking # XXXX ) UPS XXXX - Equipment returned to XXXX via XXXX ' Postal using return label provided by XXXX  XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX XXXX  Final Notice. '' - {$290.00} XXXX - Letter to XXXX XXXX disputing charge - {$360.00} - {$360.00} XXXX - Accessed Experian Report # XXXX XXXX XXXX Received letter from XXXX  - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to XXXX  disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from XXXX  - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to Experian. 
XXXX - Opened dispute on Experian Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''

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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, a check was written out to XXXX XXXX for my credit card payment. I was soon notified that payment was not received and discovered that someone had stolen my check and forged the amount of {$80.00} to {$850.00} and deposited into a personal account. As soon as I learned this had occurred, I immediately went to the branch to file a Declaration of Unauthorized Endorsement or Altered Item in XXXX. It is now XXXX and the bank has not reimbursed my account of {$850.00} that they allowed to be deposited into someone else 's account. I am a senior citizen on a fixed income and {$850.00} is a significant amount of money they pulled from my account. The check was CLEARLY fraudulent/forged and yet, XXXX is doing NOTHING to recoup my losses. I have followed up with their Fraud Team over a dozen times, in addition to calling and speaking to the branch XXXX on several occasions. All they can tell me is that it's still ongoing ... AFTER 9 MONTHS?! CHASE continues to tell me their hands are tied and they are at the mercy of the other bank to return the funds. RIDICULOUS! XXXX customer protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX  XXXX XXXX XXXX on a debt in which the statute of limitations has well expired. I have disputed the collection with PORTFOLIO RECOVERY ASSOCIATES , LLC several times to no resolve. They are now refusing to accept my disputes. They are trying to state my disputes are frivolous and that I need to provide proof however, they have never legally provided debt validation despite my numerous requests. The burden of proof is on them and they are refusing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordances with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 a state i have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish a accounts without my written instruction.

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 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Credit and Collections Inc.
State: SC

Complaint narrative:
I attempted to contact the debt collection company since the debt had already been paid directly to the landlord. They continued to pursue debt collections against me. After getting proof from my bank that it had been paid I attempted to call them back. XXXX refused to send me a letter stating the debt had been paid and intentionally hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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 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 1681XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.

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 2022-11-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NJ

Complaint narrative:
This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.

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 2022-11-04 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I shared my experience with XXXX. It was not mentioned at all during the sales process, by the finance head. 
I traded the XXXX XXXX XXXX. As requested, I called XXXX to get the pay off amount. The Accountant was on the phone with me. We both talked with XXXX representative. My account was in good standing. I had no past due balances and owed no payments to XXXX. I drove off with my new vehicle which I have now and pay my car note on time monthly. 
On XX/XX/XXXX, XXXX 's XXXX XXXX XXXX delivered a check in the amount of the Pay Off quoted to myself and XXXX 's accountant to XXXX. 
XX/XX/XXXX XXXX deposited the check. 
XX/XX/XXXX, I received a " Past Due '' car note bill from XXXX stating that I owed XXXX an additional {$220.00}. and change. I immediately drove to XXXX 's and met with the Accountant who was not happy with the bill. We called XXXX. Spoke with a representative who did not have authority to look at accounts. The XXXX 's Accountant had a copy of the check ( both side ) emailed to him and shared the date the check was hand delivered and deposited. I went ahead and paid the alleged balance and requested a letter from them stating the the balance was paid in full. XXXX 's cut a remembered me right then and there. 
XX/XX/XXXX, XXXX charged my credit card an additional {$16.00} as payment for a late phone. My bank retrieved that money back. I then found that XXXX posted on the 3 credit bureaus reports that I was late paying my account for 60 days. 
I have proof that I am never late with my car payments. My bank statements show that I paid my monthly payments on or before time. I have sent XXXX XXXX XXXX copy of the Pay Off check and documentation of the monthly payments listed on statement.

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 2022-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I got appliances on a rent to own agreement. I was told I could cancel the agreement anytime after initial lease term which was two months. I have been paying {$120.00} a week auto payments for 8 months and was told I still owe over $ XXXX for appliances that cost {$3500.00}. I called the company and they told me I can't terminate lease I can only donate appliances to charity for tax write off and still owe balance. I have never heard of this before. I want to either have company come and get appliances or credit money I have paid for appliances to balance which would pay off items.This was supposed to be a lease to own meaning I can cancel items without purchase. 
If we can't come to agreement I have spoken to an attorney and will be joining a class action lawsuit that I found out was filed against this company for doing similar tactics against other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: FL

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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-11-04 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: FL

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 1681XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Received letter in the mail, stating that my Bread XXXX account application was on hold, due to my credit freezes blocking its processing. 

I have not applied for a Bread XXXX account, nor do I have any idea what that company is about. 

I called the bank listed on the letter ( Comenity ), and have been on hold for more than 30 minutes. I have no idea if they will ever answer the call or give me any useful info on this possible fraud.

Company response to consumer: Closed with non-monetary relief