vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX & XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, 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 : it also state a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, 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 : it also state a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc.
State: TN

Complaint narrative:
First Collection Service of XXXX XXXX, AR is erroneously reporting that a debt I never incurred to XXXX XXXXXXXX XXXX was a charge-off, when it was actually paid in full. This debt was never mine in the first place, and I paid it in full anyway because it had the potential to negatively impact my credit. 

This debt was incurred by a tenant I had at a rental property that didn't pay their gas bill, and the debt was ultimately transferred to me as the erstwhile property owner. I didn't know that the debt even existed until it went into collections, and by that point I hadn't owned that property in XXXX  years. The attached copy of court records shows that the property was sold in a foreclosure sheriff 's sale, with a certificate of purchase by the new owner filed with the court on XX/XX/XXXX, XXXX years before First Collection Service opened their file on XX/XX/XXXX of XXXX. 

First Collection Service is refusing to correct the negative " chargeoff '' status of this debt on my credit report, and have also refused to remove the entry from my credit report overall. This debt was paid in XXXX of XXXX, and they reported this erroneous negative information to the credit bureaus in XXXX of XXXX. 

I've called them and told that their policies don't allow them to make these sorts of corrections. The person I talked to said they would put me in touch with a supervisor, but as of yet, I have not received a call back from one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: CA

Complaint narrative:
I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. 

Also, I was informed that Vance & Huffman would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

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

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

XXXX5 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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Closed account on XX/XX/XXXX with wells fargo over the phone 7-10 business days for check to arrive in mail Called XX/XX/XXXX ( 10 business days after closing was told there is nothing they can do until day XXXX ) XXXX Tried going into a retail location said they cant help because it was initiated over the phone. Trying over the phone gets me transferred to payment exceptions. I have been on hold for over an hour and not a single person has answered. Im wondering if its an intentional dead end. They promised 7-10 business days to received a check. Its been 17 business days or 23 days, since I closed the account and I have received no such check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to the Fair Credit Reporting account, XXXX Account XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became aware that Teletrack was collecting and selling my personal information without my knowledge. It my understanding they don't have legitimate information regarding my person. I request that they provide me a report on the information they collected on me, delete the information, stop selling my personal information and opt me out of any future data collection and sales. As a California resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge, Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute.I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made.I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services or money ; and, was successful in creating some account. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
In XXXX I got married and moved to a home with my husband ( XXXX ). I had XXXX for cable and internet, as did he. We merged our accounts. We had a technician come to our new home who looked at all our old equipment from both homes and said they were obsolete and he could not use them and he then installed new equipment and left all the old equipment. Several months later ( XX/XX/XXXX ), I received communication from a debt collector ( XXXX XXXX XXXX XXXX ) regarding owing {$1400.00} in equipment fees and last month bill. I immediately paid the past due amount for the last bill ( even though we still had XXXX at our new residence and they had never sent notice to us ) and then took the equipment I had to the XXXX store where they logged it in and returned it to XXXX. XXXX then claimed we still had {$400.00} worth of equipment, which I denied on XXXX and requested proof of owing any equipment as we had turned in everything we had in our possession. I received nothing from XXXX, and the debt collector told me they were closing the matter. That was in early XXXX. 
Approximately XXXX, I noticed a new entry for a debt collection on my credit report from Credence Resource Management for around {$400.00}. I had never received notification of any past due account from them or XXXX since XXXX. They told me it was for the XXXX bill. I disputed that I owed it and told them I felt it was illegal to report it on my credit report as I dispute the bill entirely and they and/or XXXX should pursue this in the legal venue. I received no further communication from them. My address was the same as it was in XXXX, as was my telephone number and e-mail address. I received a notification from XXXX that, again this month, Credence Resource Management has posted a past due account in collections. They have not contacted me via mail or email or phone. I have never at any time received a validation notice from them either now or in XXXX. They have never communicated with me in writing, even after our original communications in XXXX where I requested all communications occur in writing and provided them my correct address and e-mail address to verify they had it. I feel this is a fraudulent attempt at collections. I have at all times vehemently denied that I owe this debt and have at all times requested proof of owing this debt, and I have never received one shred of evidence. This continual refiling of an old debt on my credit report is harassing and improper, in my opinion. The original dispute happened in XXXX of XXXX. It is now XXXX of XXXX, yet they are still reporting this on my credit as a new account from XXXX. This company is acting outside the bounds of good-faith attempts at true debt collection and should be held accountable for their illegal and harassing actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I made a payment on XX/XX/2022 in the amount of {$250.00}. The money has cleared my bank and Capital One has continued to hold the money after I have spoke to them several times about releasing it since it was cleared by my bank. There has been absolutely no resolve and they will not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I requested a refund from Aidvantage for all payments i made on my loans from XXXX XXXX. They reinstated my loan balance on XX/XX/27, but they said it would take anyway 8-12 weeks for then to provide me the refund in my bank account. That will not work if that forgiveness is blocked, because then interest will kick back in and i still won't have my refund to pay my loan off again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX  XXXX  Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX  XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen 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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
This company continued to charge overdrafts for a total of XXXX $ - They offer no ability to catch us and charge every day. I have tried to reach out to the company to see if they would be willing to negotiate the fees with me due to recently losing my job from the horrendous economy we are in and covid and they were unwilling to budge on any of the fees. I need help desperately. This should be illegal to charge that much money in fees especially in this economy.

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