vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Ad Astra, is in continual violation of my consumer rights. The last reply I received from them stated that " As XXXX XXXX has indicated that he is represented by counsel in connection with the account placed with Ad Astra, the validation requested was provided to his attorney as required by law. Until such time that XXXX XXXX indicates that he is no longer represented, Ad Astra can only communicate with the consumers attorney which is why the validation sought by XXXX XXXX was delivered to his attorneys XXXX, Texas address ''. In fact, I have never communicated this to Ad Astra. On XX/XX/2022 Ad Astra wrote " In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions by mail to negotiate repayment ''. There has been no contact from me towards AdAstra outside of the CFPB. So, how did I tell them I had counsel? They must explain this and provide evidence. 
I understand that these are delay tactics and cheap collection agency tricks. Afterall, AdAstra has a well-documented history of such. I WILL STATE NOW THAT I DO NOT HAVE COUNSEL AND HAVE NEVER COMMUNICATED SUCH TO ADASTRA. Furthermore, as I have always maintained AdAstra has not properly validated this debt as they have been willfully reporting erroneous information including my name. There is someone who shares the same name as me in XXXX and I believe that is why they sent the information to XXXX. Evidently, AdAstra has confused he and I. 

Therefore, I REQUEST AdAstra to immediately forward to my address the following : 1 ) Pay off disclosure 2 ) Interest Rate Disclosure 3 ) Balance History 4 ) Payment History 5 ) Credit Insurance 6 ) Signed contract with my signature 7 ) PROOF that I told them I had counsel, the counsel 's phone number, name and address.

8 ) Method of investigation used to validate this account I REQUEST THESE 8 PIECES OF INFORMATION ( in its entirety ) BE IMMEDIATELY AND WITHOUT DELAY SENT TO ME AT MY RESIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a checking account online and deposited {$3000.00} with the pretense that I would receive {$300.00}. The checking account type was not available online so I picked the one that was available but since it is not the right one i will not receive the {$300.00} nor will they let me close the account because it needs to be open for 6 months. Secondly i can transfer money into their account but for me to transfer money out it will cost me {$3.00}. 

The advertising that they had was not clear and offering multiple checking accounts is deceptive especially when they steer you to one that is not part of the promotion.

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 2022-08-03 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: MS

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

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out 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 2022-08-03 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: MS

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

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out 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 2022-08-03 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: MS

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

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and 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 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 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
On or about XX/XX/XXXX, Zenith Financial Network Inc contacted me by phone about settling a refund I was due from them concerning a prior CFPB complaint that I filed. 
The compliance manager XXXX offered to pay the {$1500.00} refund in two installments one month apart. She assured me the transaction would go through, and I agreed to the terms. 
About XX/XX/XXXX I did receive {$750.00} from the company. Because of this, I was expecting the remainder of the refund to follow. 
After several phone calls, and correspondence ( XX/XX/XXXX ) I sent them, I have received no response about the status of the second installment.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
This company called multiple times daily. They talked about my debt with who ever answered the phone. They tried to make me give them post dated checks.i were rude to my girl friend. They forced me into filing bankruptcy to stop the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MS

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 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Foursight Holding LLC
State: TN

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

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

15 USC 1681 Section 604 A section 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 or loan under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late ( XXXX ). 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: NY

Complaint narrative:
I took out a payday loan from fine day funds in XXXX of this year for XXXX dollars.My loan # XXXX. My payoff amount is XXXXIve made two payments of XXXX .The third payment was returned by my bank this XX/XX/2022. The fees and interest on this loan is very high and illegal in New XXXX XXXX struggling to pay this loan back along with my other bills.I was in a desperate place at the time after the wave of Covid 19 hit all of us.I needed money and I applied should have known better but this is to much .Then I read payday loans are in illegal in New York and New Jersey.Also tribal loans do have regulations in New York.Im living on my Pension and cant afford all these payments.Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CREDITORS DISCOUNT & A ( Original Creditor : XXXX XXXX - XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services INC, has violated my rights as a consumer. They report two ( 2 ) accounts to the credit bureaus under my name, dob and ssn. I do not owe PDQ Services Inc any money or the original company Center for XXXX. I paid via XXXX XXXXXXXX card and was told I didn't owe any money. Also, I never received a debt validation letter from PDQ Services Inc prior to them putting these two accounts on my credit profile. If these two ( 2 ) false accounts are not removed from each credit bureau I will seek council from an attorney. Also, I would like for PDQ Services to send me signed agreements and contracts from Center for XXXX showing I agreed to pay that amount because I still have the original email from the surgery scheduler regarding the total amount that I was responsible for and I paid it. I will be providing my attorney with the email which shows I paid the amount asked of me and that payment was made via XXXX XXXX payment. As stated by my attorney, I can sue PDQ Service up to {$1000.00} per account listed on my credit profile inaccurately and falsely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2021 I made a visit to the XXXX XXXX  later on I received a bill for {$1600.00} and around the same time I received an email with the EOB from my insurance which states that they issued a check to the hospital and I was in charged of paying the remaining balance {$290.00}. I kept receiving bills from the hospital for the same amount one day I called and the said they are not in charge of that bill that the bill was sent to collection ( which I never got a noticed from it until a week later after I called ) when I talked to collections we set up monthly payments and they still charged me the full amount. I explained the situation and they were kind of rude and told me to send the paper work through fax which I did and I havent receive any response yet, and I already made some payments. 

The agencies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation