vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights # 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 XXXXXXXX 15 U.S.C 1981 Section 604 A. States I have the right to privacy 15 U.S.C 1981 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions There is also information that does not belong to me that is being reported on my credit report I already disputed the information and they keep adding it on my credit report I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is not my address

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 2022-07-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor 1. XXXX Account number XXXX Transunion -- There was never a dispute. Please remove comments. 

2. XXXX XXXX XXXX Account paid- please remove comments. no disputes 3. XXXX XXXX please remove comments ( never disputed anything ) ( 2 entries -- Transunion ) 4. XXXX XXXX XXXX XXXX  XXXX - paid/closed -- please remove negative remarks 5. XXXX XXXX XXXX- Please remove comments- 6. XXXX Account number XXXX - chargeoff removed by Creditor -- sent to all 3 bureaus. Will submit proof. 

7. XXXX- creditor error -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only $ XXXX month and at the time, I had 4 or 5 mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX XXXX XXXX initiated a collection action using the collection agency Mrs BPO to collect from me {$890.00} for purchase of an XXXX XXXX. I never made this purchase. On XX/XX/XXXX I contacted a local XXXX XXXX XXXX  branch in XXXX CO to help me understand what this matter was about. I learned the following from the XXXX XXXX XXXX agent : That someone using my name and social security number had made the purchase from XXXX XXXX XXXX. That the address that person gave to XXXX XXXX was XXXX XXXX XXXX, XXXX TX XXXX. That the XXXX  XXXX purchased has an IMEI identification # XXXX. The XXXX XXXX XXXX agent connected me with the XXXX XXXX XXXX fraud department who committed to withdrawing the collection request from Mrs BPO collection company and to investigate the case as fraud. The XXXX XXXX XXXX XXXX fraud department agent told me they would advise me of the results of their investigation within 30 days. As of today, XXXX XX/XX/XXXX, I have not received any communication from XXXX XXXX XXXX. I am filing this report at the suggestion of an XXXX Corporation agent with whom I spoke today, XXXX XXXX XXXX I want my credit report with the three major credit reporting companies restored to an Excellent rating and any adverse credit report removed from their database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I talked to XXXX XXXX and XXXX XXXX about a debt they claimed I owed to XXXX XXXX XXXX. 

I did not know I can dispute debts with XXXX, and when the collections Agency called they didn't ask to verify that the debt was mines they just assumed that the debt was mines. 

I paid the debt because I had no idea how collections worked and how much of a deceptive business it is. 

On the phone, the collections agency agreed that if I pay this {$260.00} amount, I would be able to open an account with XXXX again and the agency agreed that I would have my charge off removed from my account. 

I paid the {$260.00} and called the collection agency for months before they actually made any updates on the charge off. 

When they made remarks to my credit report, they didn't even report the balance as fully paid and so I called them again to fix it. 

The agency finally decided to reflect a balance of {$0.00} left on my charge off, but the agency never removed my charge off from my credit report. The agency also did not tell XXXX that I paid an extra {$40.00} to unban my XXXX account. The agency just kept the money and I had lost access to the only credit union account that I ever had. 

This charge off from a XXXX XXXX  made it where whenever I applied for any credit union banking accounts, I was immediately denied. 

These collection agencies are allowed to perform practices which are very deceptive and just downright lie with confidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc.
State: OR

Complaint narrative:
XX/XX/2022 Was sent a pre-approved application tried to get it processed and something funky happened. I believe they stole my identity. 
Avant Mastercard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper did not send the correct amt payment on first property tax installment. They were contacted by county tax collector and given XXXX days to submit the {$10.00} difference or payment would be sent back They did not respond. When second installment came due, Mr. Cooper sent the correct amt, but the tax collector did not process payment because the first installment was considered not paid. That check was also returned. After no response from Mr.Cooper, I was sent the notice of unpaid taxes from tax collector. I started calling Mr. Cooper immediately. I started since XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX. Every call was with a different tech and I had to start with my story from the beginning. Each one telling me that it would take XXXX days to resolve. I was instructed to check on line in my account for escrow updates. Nothing, I have also done the chat on line, requested management to deal with to no avail. I was told that there was an error due to escrow funds being redeposited after my refinance in XXXX of XXXX. I have been issued XXXX different refund check ( XXXX were voided ) for an escrow overage acct. I was finally told to send a copy of my red notice from tax collector because according to their records it shows they were paid. That was sent. Nobody acknowledged receipt or returns my calls or answers my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: LA

Complaint narrative:
The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transactions arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This violationS 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666 ( b ), Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I had a collection report item from XXXXERC, i called and paid XXXX  directly they said they will send me a letter saying they have ERc remove the item from my credit report since i paid them directly. They sent me the letter i forward to ERC and they said they dont delete items off the credit report.Since i paid XXXX  directly ERC has no claim on any debt since i paid XXXX directly. there is no collections to report since i paid off the orginal company, ERC has no rights to add something to my credit report since they have no debt to report. I need this removed from my credit report as I am in the procress of closing on my XXXX load for a house purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act.Everthing has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate? The amount is inaccurate as well.This is 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 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-07-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Creditor XXXX XXXX Account numbeXXXX XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX XXXX XXXX XXXX- Account paid- please remove comments. no disputes XXXX XXXX XXXX please remove comments ( never disputed anything ) ( XXXX entries -- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX Please remove comments- XXXX. XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all XXXX bureaus. Will submit proof. 

XXXX XXXX XXXX XXXX -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX month and at the time, I had XXXX XXXX XXXX  mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Creditor XXXX. XXXX Account number XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX. XXXX XXXX XXXX Account paid- please remove comments. no disputes XXXX. XXXX XXXX please remove comments ( never disputed anything ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX- Please remove comments- XXXX XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all 3 bureaus. Will submit proof. 

XXXX. XXXX XXXX XXXX  -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX  month and at the time, I had XXXX or XXXX mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: WA

Complaint narrative:
I.Q. Data Internacional , Inc. Collection keep calling my employer, family and friends. 
Harassing me with putting a lien on my property and garnish my salary. 
Collection agency keep repeating they have many ways to make pay the debt, insinuating that can show up at my door, and telling me they know everything about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TN

Complaint narrative:
My name is showing as XXXX XXXX XXXX. I keep calling, mailing in disputes along with my ID and SS Card, and sending in complaints about my name. My name is XXXX XXXX. I do not have a suffix at the end. They finally took the XXXX XXXX XXXX off but now it's showing XXXX XXXX XXXX. Please correct this. ( I have not recently shared this information with a creditor.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
About XXXX XXXX XXXX XXXX XXXX I had a dilemna with Citibank about checking accounts. They were originally asked to close these accounts once they refunded all of my money back to me. However, they have kept one open and charging me stating that I owe them {$20.00}. I recently received a letter stating if I did not pay this {$20.00}, they would close this account ( they already should have done this ) and would negatively report me to the banking credit unions that I still owe them money from a closed account. 
I have been fed up with Citibank and here they are again. I sent them this {$20.00} in a money order to an address they originally provided on a letter, and they returned it to me saying it was the wrong address. I sent it to the address on the second letter and they returned it back to me ( money order ) today saying they already closed account, but the letter had an array of numbers for me to call. 
The bottom line here is that Citibank should not be reporting me to any institution because they should have already closed this account as instructed months ago. 
I have attached a copy of the letter received today with the money order.

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 2022-07-12 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: TX

Complaint narrative:
Fraudulent XXXX  card application submitted with Comenity Capital Bank. Contacted the fraud department and currently do not have record of the application. Inquiry is currently showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received notification from the credit bureaus, XXXX XXXX, XXXX, and XXXX that I had a collection account added to my consumer credit report from Security Credit Services. This collection company never communicated with me via, mail, phone etc. about anytime of collections with the original creditor XXXX They have violated my rights as a consumer based on 12 CFR 1006 f ( 30 ). This states they must contact me and give me the right to dispute any collection account.

Company response to consumer: Closed with explanation