vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: CT

Complaint narrative:
Im accordance with the fair credit reporting act, XXXX  account XXXX ( XXXX XXXX  ) and XXXX ( XXXX  ) has violated my right to privacy. 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B states : A creditor may not treat a payment on a credit 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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Capital System ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX Investigative Team advised this would be removed after I have disputed this account online several times. Jefferson Capital has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2023-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Midland told myself and the cfpb I could take XXXX for the hud Covid relief. Now theyre giving me a hard time. Threatened me. Marking my credit, leaving the amount outstanding.

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 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Management Group, Inc. (GA)
State: NV

Complaint narrative:
In reviewing my credit report I found an account on collection held by XXXX XXXX PH : XXXX XXXX XXXX Amount : {$2700.00} Original XXXX XXXX XXXX XXXX XXXX XXXX Florida It is true that I was XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX but my bills were paid my XXXX and since I had never heard of such debt ( no one ever contacted me about it ). On XX/XX/2023 I contacted XXXX XXXX of XXXX Florida, Billing inquiries, PH : XXXX XXXX XXXX, and after searching using my name and date of birth they were not able to find anything on my name, they did tell me that since it was an older bill they would be better able to tell me something if I could provided an invoice number. 
So, the same day, XX/XX/2023 I called XXXX XXXX, the lady that took the call, after I identified my self and explained what I needed, told to call XXXX XXXX XXXX where they would be able to provide me with the invoice number, the number turned out to be for XXXX XXXX XXXX XXXX XXXX XXXX 
I called them again and them some other lady took the call and after a bunch of bla bla told that she would email me the information, which she didn't. 
I'm sure that when you talk to them they will denied all of this and will tell you that I'm an old man and didn't understand what they were saying, and that I gave them the wrong email. It is true that I'm XXXX years old, but I assure you that I'm not senile and that what I just wrote is the truth. 
I'm sure that you will be able to clarify this situation. 
I appreciate your help, thank 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I quit XXXX on XX/XX/XXXX. They refused to port my number over to my new carrier and charged me for 2 months thereafter when I had no cell service. Some months later, I was sent to one collection agency after another for a bill of {$100.00} that I did not owe. I'd call and explain the situation and every agency sent the " debt '' back to XXXX. This has been a continual harassment since then. Now I have Jefferson Capital LLC of XXXX XXXX, MN reporting this as a derogatory on my credit report. I called them today ( XX/XX/XXXX ) and was told that they would put it into dispute but the rep there could not tell me what that meant or what would happen going forward. My XXXX score has crashed by XXXX points over this one item that is false reporting. My XXXX was XXXX and is now XXXX on XXXX. This is the only change in a while other than their usual minor blips. I pay any bills that I owe legitimately and on time. I do not, however, pay bills that I do not owe. XXXX and Jefferson Capital are responsible for damage to my credit score and my peace of mind. Three years of this harassment is just too much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/2023, I have received a debt collection notice by XXXX mail saying I owe {$44.00} Now in the month of XX/XX/2023, I am receiving multiple phone calls from the company. I choose not to answer because I believe it's a scam. 

I've checked my credit reports and this company/debt isn't on my credit. I have nothing in collections or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
Experian, XXXX, XXXX is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.

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 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company
State: MN

Complaint narrative:
I was harassed by JG Wentworth to sell annuities while I was in a vulnerable state, causing me to lose over half of the original amount that was owed to me on a life insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.

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 2023-05-09 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX 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 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to a website XXXX to buy 2 pair of running shoes and paid via paypal credit. Something didn't feel right during the checkout process but I continued given it was via paypal and they claim I have buyer protection. The purchase was made on XX/XX/2023 for XXXX. 

2 days later after not hearing anything from the company or being able to speak with them I reached out to paypal to dispute the transaction telling them I believe this to be a fraudulent merchant. PayPal immediately closed and denied my claim twice telling me this is not their issue and I need to pay them the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 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 2023-05-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX 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 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 2023-05-09 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:
The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account 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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the XXXX XXXX, which do not the belong to me. We have two account number that I am disputing XXXX - account XXXX in the amount of {$1600.00}. 
XXXX  account. Number XXXX {$8800.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NE

Complaint narrative:
I am a co-signer on a Sallie Mae student loan for my son. I have asked numerous times, at least 5, to try and get my name off of the loan. I have written many letters due to the harassment of other family members that are NOT co-signers on the loan with my son. Calling to try and talk with any representative is the ultimate WORST. When I call to talk with Sallie Mae, as a cosigner I should have the right to the loan information, but they can not verify my information. And yet they can call family members not associated with the loan to harass.That is why I have resorted to mailing letters. Hopefully they are being handled. Long story short I mailed yet another letter to Sallie Mae asking/requesting to be removed from my sons student loan 2 weeks ago. As of yet no response. The loan has been opened since 2014. This is an Installment account, the account # is XXXX, amount balance {$11000.00}, monthly pmt {$160.00}, Primary loan is in name XXXX XXXX, co-signer XXXX XXXX ( me ) Just stop calling family members not associated with this loan and steps to have XXXX XXXX removed from this 2014 account. It has been almost 10 years. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, XXXX, and Equifax have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, Experian, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 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 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX  XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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