vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.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.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I took a loan for {$800.00} on XX/XX/2022. It was not explained to me that I would have to pay back over {$5000.00} to clear this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: OH

Complaint narrative:
I disputed this account multiple times with Experian and also with XXXX. The information is still reporting incorrectly to my credit report. The status on my credit report should show paid. It's reporting status is showing as past due 30 days. It has been reporting as that since XX/XX/2020 despite several efforts to get it fixed.

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 2022-10-16 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 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-10-16 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:
The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly

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 2022-10-16 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:
The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2022, I have disputed a fraudulent bankruptcy that is on my Transunion credit report in the public records section several times. I have asked Transunion to show me documentation of the adverse information as the law 15 U.S. Code 1681c3 - Adverse information in cases of trafficking states. I am a victim of identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Please understand that a person living in South Carolina can not file bankruptcy in North Carolina. I did not file for bankruptcy in North Carolina. The information is not information relating to any transaction by me the consumer. 

Clearly this is a mishap in the trafficking of documents. I have attached my information as the law requires. 15 U.S. Code 1681h - Conditions and form of disclosure to consumers. I have attached my Transunion credit report. If a thorough investigation is not provided to me I will continue to notify the CFPB.

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 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
I received a bill in XX/XX/2022 stating that I owed XXXX XXXX dollars for equipment I had loaned to me from XXXX. So I called and asked if I return it. I talked to a XXXX, ( she said she was my support person ) she told me she would send me a shipping label, which she did. I packed it up and mailed it back. Well needless to say I received another bill about a month later stating I still owed the XXXX dollars. I don't understand why they get the modem back and the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I have repeatedly asked Vance and Huffman, XXXX, XXXX and XXXX to validate this collection account. I have received any validation at all. Vance and Huffman is collecting for XXXX XXXX and I dont have any idea who XXXX XXXX XXXX other than another collection company. If this is the case who are these collection companies collecting for? I need to know what service I received from XXXX  XXXX and Vance and Huffman. I also, need proof such as signed agreements that I agreed to services from them. Is it legal for a third party company to collect for a third party company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX Santander Bank issued me a late payment fee for my Line of Credit Account which I owed to the bank a minimum of {$3000.00} I has paid the bank in principal to pay them off after our banking relationship had been terminated in XXXX. Santander said the regular payment was due a sum of {$49.00} and on top of that late fee {$20.00} on top of that {$69.00} I paid over {$220.00} and up till XX/XX/XXXX of XXXX when it closed I demand Santander to reimburse me the {$200.00} and the {$69.00} for the late payment in XX/XX/XXXX Santander paid me a refund of XXXX cent yes XXXX cents its in their data banks.

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 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
With the third party company XXXX I had a debt on my overdue account of {$2300.00}. I came to an agreement with the company and finished paying off the rest of that debt on XX/XX/XXXX. XXXX removed the complete balance from my account on XX/XX/XXXX. They then told me that they will send a deletion request to each of the XXXX credit bureaus by XX/XX/XXXX to have my closed/charged off account ( The account name is Duvera billing services ) completely removed from my credit report from all three bureaus. Present day it looks like it has been removed from my XXXX credit report but still remains on my XXXX and XXXX credit reports. I'm taking this action to have the charged off account removed from my remaining credit reports ( XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The bank of America ( XXXX XXXX rewards ) credit card is no longer provide service, but still charge credit annual fee on XX/XX/2022 for coming year. when I contact bank service om XX/XX/2022, she told me it is non-refundable for no longer service credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm credit took out 3 charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to affirm notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of $ XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and Affirm identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from XXXX XXXX on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I ran into several issues when trying to open and now close my Citi XXXX card. I can not log in online, and by looking at emails I apparently now have two cards open based on the last four digits displayed. I never received, nor activated, either of these cards. I believe these are both closed, but I'm being charged their annual fee. I spoke several times to their customer service team and they told me I wouldn't be charged these fees, it would be credited back to the statement, etc. However, I keep receiving emails my fee is late, and the amount of the fee increases due to late payment. I called Citi several times letting them know this is hurting my credit but they say it will go away ( which it never does ). They are unable to send me any confirmation or they are unwilling to provide a confirmation number to reference the call. My last call to Citi was on XX/XX/16 and they told me to wait 3 billing cycles. I will keep being charged late fees and having a late payment on my credit history as they can not correct this.

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 2022-10-16 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: NJ

Complaint narrative:
XXXX XXXX please investigate this matter and remove from credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: MN

Complaint narrative:
I sent a dispute letter to this company to validate this debt that they say I owed. It is now 45 days no response and they continue to report it to the credit bureaus. This is fraud after I have notified them that accounts are in dispute. 
I reviewed my credit report and saw invalid debts reported by your company and as allowed under the Fair Debt Collection Practices Act ( FDCPA ) ; I am requesting that you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: NJ

Complaint narrative:
XXXX XXXX  please investigate this matter and remove from credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 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: NJ

Complaint narrative:
XXXX XXXX please investigate this matter and remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I was told when I spoke to the company in XXXX when I was told I needed to reapply for my income repayment plan before it expired, but apparently I did not need to do it because of the presidents order, but they sent me a notice that said I needed to do it or I would have to pay the whole monthly payment instead of the income based payment in XXXX when it came due. I did it and it said my new payment was about {$500.00} and it would be due in XXXX, so I called because I should not have to pay until XXXX again because of the new order. I was told my last company took me off this kind of deferment, which I do not know how that is possible since it was a blanket decision. I was told when I called they put back on it and not to worry about paying until XXXX. Now I have an overdue notice that shows I owe {$1000.00}. XXXX is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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 XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 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 2022-10-16 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 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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