vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Written numerous letters requesting debt collector to verify debt. Spoke with rep by the name of XXXX who could not verify debt information. {$260.00} XXXX which is reporting twice on my credit report from this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We thank you for the prompt response. 
THERE IS A MISSING PART IN THE HISTORY OF THIS LOAN ITS THE PERIOD BETWEEN XXXX  AND XXXX. 
PLEASE PROVID THIS INFORMATION WHICH IS CRUCIAL TO THIS CASE. 
THE PERIOD WHEN XXXX  XXXX XXXX WAS THE SERVICER. 
THE LOAN WAS STUCK FOR 8 YEARS IN THE CAOS OF THE XXXX  FINANTIAL CRISIS. 
WE UNDERSTAND THE LAW REQUIRES THE PRESENT SERVICER TO PROVIDE THE HISTORY OF PREVIOUS SERVICERS. IN YOUR CORRESPONDENCE THERE IS NO MENTION OF XXXX  XXXX XXXX. THERE IS HOWEVER A LOAN REFERENCE NUMBER : XXXX. ( # XXXX ) WHICH IS THE XXXX  XXXX XXXX LOAN NUMBER. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2022-04-29 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.

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 2022-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX said they will continue to call until I start paying on student loan. Except my loan is in forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
When I purchased my vehicle I used a cash payment for deposit however the paperwork states I used credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the XXXX credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!

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 2022-04-29 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX, amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXXXXXX XXXX  XXXX, Account # XXXX, Amont of {$380.00}, 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received an email from capital accounts trying to collect a debt of {$340.00}. 
I responded a couple hours later requesting some very important documents that tie me to this debt. I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and me XXXX XXXX , ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX  to me XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me XXXX XXXX to XXXX XXXX XXXX, and ( 5 ) a detailed itemization of the amount that they are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. 



They responded XX/XX/XXXX with what look like a computer generated statement that any one could easily create in a software. I have attached a copy of their response to this complaint for you to look at. I have also attach a copy of the initial email they sent to me and my response requesting the specific documents.

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 2022-04-29 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: CL Holdings LLC
State: PA

Complaint narrative:
Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15B creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-29 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

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 2022-04-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXX XXXX XXXX, Account # XXXX, XXXX of {$380.00}, 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 2022-04-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXXXXXX XXXX  XXXX, Account # XXXX, Amont of {$380.00}, 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-29 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act Capital One # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: National Credit Adjusters, LLC
State: PA

Complaint narrative:
Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15B creditor may not treat a payment on a credit card account under an open-end consumer credit pla
n as late for and purpose

Company response to consumer: Closed with explanation