vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: DE

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  Account # : XXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXXXXXX 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 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX. I sent out a dispute to XXXX Equifax and a direct dispute with the furnisher on XXXX. I spoke with XXXXEquifax several times on the phone about the ongoing dispute with XXXX XXXX XXXX XXXX XXXX I was assured by represenatives of both companies that the dispute was in process and would be finished XX/XX/XXXX for equifax and XX/XX/XXXX for XXXX. I disputed this account with both agencies several times. XXXX never updated the file until XX/XX/XXXX and for the dispute initiated on XXXX, when the process was finished XXXXequifax did no update to the file or entered a notice of dispute over several disputes, showing that once again XXXXEquifax involved its self in dirty practices to keep this illegal file on my report. I suspected that indeed both XXXX and Equifax were lying about doing any investigation at all. So on XX/XX/XXXX I called the collection department for XXXX XXXX XXXX XXXX to discuss the ongoing dispute, which I was told by both companies was still on going. The Rep. For the data furnisher told me he had no idea, clue or indication of any on going dispute at the time both agencies claimed to have notified the furnisher and a dispute was indeed in process. I waited to see the outcome of the dispute and there was no update to the file at XXXX / Equifax or any notice of dispute entered into the comment section over the span of several disputes. Each agency reports different information about the same account At Equifax it was once reported XXXX, XXXX, XXXX, XXXX and now XXXX late payments. How could this be considered accurate. XXXX shows account closed on XX/XX/XXXX but has several late payments after close date. With XXXX late payments go from 60 days straight to 120 days in one month, how can this be accurate. On XXXX XXXX direct dispute was sent to the data furnisher via USPS certified mail. I informed both XXXXEquifax that XXXX XXXX XXXXXXXX XXXX failed to uphold their obligation to respond to the dispute in the allowed timeframe. In fact I never received any response from the data furnisher at all. Recently I wrote both agencies requesting method of verification for the XXXX XXXX XXXX XXXX account. I have uploaded copies of my credit report to show the numerous changes in the data from equifax. Each reported after a dispute as true and accurate. the reports will also shoe no notice of dispute and for transunion no updates for months. Even after dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 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 has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-05-20 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: GA

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} SECURITYCRED ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00}

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 2022-05-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed out letters to Equifax and XXXX on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Partners Financial Services Inc
State: FL

Complaint narrative:
Last week I received a letter from Partners Financial Services , Inc. collecting a {$2000.00} debt to XXXX XXXX XXXX University in XXXX XXXX, Florida. 

You must first know that I do not know what they are charging me, I did not know anything about that debt. 

In XX/XX/2021, I enrolled at the XXXX University to take English classes, they offered online classes from Monday to Friday in the morning, I enrolled with XXXX dollars, and the monthly fee was XXXX dollars. I started the first days of XXXX, online and the first class Professor XXXX XXXX asked me what I was doing there, because that was a class for advanced English speakers, and that he did not give classes to beginners. He told me that he would talk to the Manager to change my class. In the same way, I also went to speak in person with the Manager the next day. He told me that he was going to send me to another class. So I did, the next day, I went to the link and it was another class for university students who were in their degree projects, that is, they were not classes to learn English. I went back to speak with the Manager and he sent me again to XXXX XXXX who with an annoyed expression told me that he could give me beginner classes from XXXX XXXX XXXX XXXX XXXX, one hour a day and that if I wanted I could enter the level class. advanced. For my level they were giving me an hour of classes a day and I had paid for 4 hours, they were not complying, I attended their classes for almost two months, until I found another university that gave classes for my level. I went to the XXXX XXXX XXXX University in XXXX XXXX to tell them that I was leaving for those reasons, and the Manager told me that I had to pay for the full semester, I told him that I couldn't, because they hadn't met the classes, I asked him for a copy of the contract that I had with them to pay for the semester and he told me that he would send it to me, and I never received a copy, nor did I hear anything from them until now that I received a letter from a debt collector. 
Please, I just want justice to be done because they did not fulfill their commitment. 

I appreciate all your help, because I can't afford to pay {$2000.00} for services I didn't receive. 

XXXX XXXX Phone XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX  XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within 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 non-monetary relief
Consumer complaint received 2022-05-20 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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within 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
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
To Whom It May Concern : Currently Amerihome is reporting a XXXX day late in XX/XX/XXXX to my credit history. This late marking is a byproduct of my XX/XX/XXXX payment posting late. 

Please note XXXX payment was not late due to negligence or lack of funds. The late occurred because I contracted XXXX in late XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for all of XX/XX/XXXX and was unable to pay all my bills. Once I returned home in XXXX of XXXX, I immediately paid all my bills and alerted them regarding my inconvenience. 

Amerihome Mortgage is the only creditor that is choosing not to acknowledge my hardship during this time and remove the negative reporting to my credit profile. 

I am forwarding the statements from my hospital visit that I sent to Amerihome to prove that I was incapacitated an unable to pay my bill. Amerihome has failed to acknowledge these documents in the 3 attempts I have shared them and because of that has failed to consider removing the XXXX day late from my credit profile, even though I have given them everything they needed to be in line with XXXX federally mandated " Cares Act! '' What good is the cares act if nobody cares? 

Please help me to get back to my life as I am desperate to have my credit restored and return to my business endeavors in the way I am accustomed. Thank you in advance for taking the time to review my letter and I look forward to hearing from you. Please let me know when my request has been met. I can be reached at XXXX. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: GA

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my XXXX XXXX : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$1600.00}

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
So it seems maybe I entered my follow up complaint of this company incorrectly. This is a follow up complaint to my initial complaint. This third party debt collector Eastern Account Systems stated they received my validation request XX/XX/22. This was a lie that I have proof of which I will include again. They received my Debt Validation request XX/XX/22. In any event, I still have YET to receive any correspondence from this third party debt collector except for their response to me filing a claim with you the CFPB. According to the law, they need to respond to my request XXXX writing with ALL of the contents Ive requested pursuant to XXXX XXXX XXXX. This company DID NOT respond whatsoever to my request within the allotted 30 day time frame from XX/XX/22 ( in which I have proof they received it ) or the XX/XX/22 in which they claim. Pursuant to this law, my debt is INVALIDATED AND NEEDS TO BE REMOVED FROM MY CONSUMER REPORTS AS WELL I A SEEKING DAMAGE RELIEF. It may have seemed like a duplicate complaint, but it was actually addressing Eastern Account Systems response. Also, If they had any legal right to collect on this alleged debt, they would not have to seek any validating information from anyone else.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
department of education aka aidvantage was not given writtten or verbal consent to add 2 late payments on my credit report.not only that the 2 late payments time have lapsed which puts the creditor inaccuratley laving on my credit past the by the law 7years .acount was opened XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: ID

Complaint narrative:
We purchased an automobile from XXXXXXXX XXXX XXXXXXXX XXXX, and financed the auto loan through Credit Acceptance Corporation. We purchased the extended warranty. After driving the vehicle only XXXX miles, the engine went out. A mechanic communicated with the warranty company on the needed repairs. The warranty company refused to authorize ( we later found out the warranty company is owned by Credit Acceptance ). We contacted Credit Acceptance to see what our options were. We could not afford to make XXXX  XXXX monthly payments AND pay a very costly engine repair bill, but if we didn't fix it, the vehicle was not driveable. We continued to make our monthly payments on time for months while this all dragged on, even while not being able to drive the vehicle in question. Credit Acceptance basically told us that we could either pay for the repairs or voluntarily give up the vehicle. They offered no other recourse or alternative solution. They told us to take it up with the car dealer, but by then, they had already closed and filed for bankruptcy. We ended up doing a voluntary reposession. We had to have the vehicle towed from the mechanic shop with the dissassembled engine in the back. They immediately turned around and resold the truck at auction for much less than fair market value. They then sued us. We got a lawyer, and the lawsuit was dismissed. We have disputed this on our credit report multiple times and they are unwilling to remove this from our report, which is affecting our ability to purchase a home. We had another loan with Credit Acceptance at the same time that was paid on time every month and eventually paid off. We attempted everything we could to resolve this and they refused to work with us, refused to honor their warranty, and the auto dealer went out of business and filed bankruptcy. So now, because we were unlucky enough to buy a lemon from an unscrupulous dealer with a loan from an unscrupulous lender, we can not buy a home. We spent thousands to pay an attorney to keep them from suing us, not to mention all the months we paid for the auto loan and insurance on a vehicle we could not drive.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I get email informing me that I had open a new credit card and was over the limit. I checked my credit report and it shows a new credit card with a balance over {$3000.00} I called AVANT LLC/ XXXX XXXXl and was informed that their fraud department will look into. I never applied nor any of the three credit agent report that I applied and my credit report was pulled to open this new credit card. On XX/XX/XXXX, I called XXXX credit report and their fraud department need a report from FTC and copy of my drivers licence. Why would not credit card company process an application without no securities checks????? My ID has been stolen. Please help. I would like proof from AVANT showing where this application was submitted and what securities measure was taking to give out this new credit card. I live in the same address for the past 10 years. My cell phone is XXXX and my email address is XXXX XXXX

Company response to consumer: Closed with explanation