vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: TN

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

15 US 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.

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 2022-06-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!

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 2022-06-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!

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 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: HI

Complaint narrative:
I received correspondence for a debt for my XXXX XXXX XXXX XXXX ( Association ) Timeshare from Aspen Nation Collections dated XX/XX/XXXX. I sent them a written notice on XX/XX/XXXX stating that I already relinquished my interest and obligation to the Association in writing. To date, they have not provided to me, and the Association has continuously refused to provide to me, any relevant authority that would obligate me to be held responsible for assessments and fees after I have given proper notice to relinquish my timeshare interest per their agreement. 

A review of the Deed ( the Declaration was not enclosed ) and the statutory authority that they have provided understandably allows for assessments to be imposed to timeshare owners and reserves the right to secure a lien against the timeshare interest if the timeshare owner is delinquent in paying outstanding assessment amounts. 

However, as stated previously, I did not possess any timeshare interest or have any timeshare obligations prior to the Association imposing fees supposedly resulting from assessments. On XX/XX/XXXX, I properly exercised my right to relinquish my interest and obligations and provided written notice to the Association prior to the Association imposing any assessments and fees. Subsequently, on XX/XX/XXXX, the Association emailed me a notification of an outstanding balance in the amount of {$1100.00} for the XXXX annual fee payment. 

At the time of the purchase of the timeshare interest and signing of the contract on XX/XX/XXXX, the Association, by and through its representative, employee, or agent, has expressly represented to me that I would be able to exercise a right to relinquish my interest and obligations as a timeshare owner : 1 ) upon written notice ; and, 2 ) after I have paid in full the cost of the time share interest, which, I have done. ( It appears that the Association is taking the position that this representation is false, and if this false statement was made by their representative, employee, or agent to induce me to make the purchase, such a scheme would be quite deceptive ). This was a material term that I relied upon at the time of the agreement. I have requested the contract from the Association, and the Association has confirmed on more than one occasion that no executed written contract exists. 

To date, Aspen National Collections has NOT provided me authority that refutes my unequivocal understanding of the terms of the agreement that authorizes me to exercise my right to relinquish my timeshare interest and obligations after written notice and the satisfaction of the cost of the timeshare interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
My student loan is being report reported incorrectly. I originally borrowed roughly XXXX and I still have the consolidation promissory note from XXXX  from AES. 
AES is reporting that after 10 years of payments of XXXX, I still owe XXXX. What? I have paperwork they sent me that has me down as two loans each for XXXX. Same date on both. One is a duplicate as they are at fixed rates. One says unsub, the other says subsidized. I've filed complaints that keep getting closed, I've spoken for hours with rude people. They reported to XXXX that I still owe XXXX. 
My sub loans equalled roughly XXXX My unsub loans totalled roughly XXXX. 
Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed the account and yet they fail to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 XXXX  XXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount 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.

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with XXXX ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about XXXX points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ XXXX for their services which I can not afford.

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 2022-06-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation

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 2022-06-16 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, This letter to explain the journey before and during COVID-19. I need Shellpoint Mortgage Servicing to fix the mistake and remove the late payment reported in the credit report. 
In XXXX of XXXX my ex-husband lost his work after 20 years which was working as XXXX for XXXX Stores in XXXX Florida. 
Since then things changed and we ended up filed for divorce in XX/XX/XXXX and finalized on XX/XX/XXXX. 
The forbearance was approved XXXX of XXXX until XX/XX/XXXX and due to Covid-19 circumstance the lender call at the end of forbearance and offer an extension until XX/XX/XXXX. 
My ex-husband found a part-time job at time but it wasnt enough to pay the bills. 
In XXXX of XXXX the Shellpoint Mortgage Servicing called again to know the status of the situation which nothing changed. They extended until XXXX of XXXX the forbearance plan. My ex-husband continue looking for work full time position and no luck. 
They extended again until XX/XX/XXXX and follow up regard to financing situation which still the same. The divorce finalized on XX/XX/XXXX. We didnt have alternative and try to comply with the due date of the forbearance plan. We decided to put the house for sale when the listing start on XX/XX/XXXX. 
The Shellpoint Mortgage Servicing called to follow-up then we notified them the house was put for sale due to lack of income. They agreed to extend again until XX/XX/XXXX. 
We notify them in XX/XX/XXXX that forbearance will expired next day if we need another extension to cover the selling period. 
They said no needed because they could see the house was in the market and nothing will be report to the bureau. The house was pending sale on XXXX and deal didnt go through. 
We notify the Shellpoint Mortgage Servicing and advised us the nothing need to be done at this point and no extension needed it. Finally! We sold the house on XXXX and paid in full. Our mortgage was FHA Loan Number XXXX and qualify for extension up to 18 months. Shellpoint Mortgage Servicing keep telling us everything is okay nothing do to and ended up reporting 1x 60 days mortgage payment late. If the forbearance expiring 18 months after the initial request XX/XX/XXXX then will expires on XX/XX/XXXX. Why 60 days reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX was not done by me!

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 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  TX  # 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

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 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX  TX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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

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 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : 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

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 2022-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XXXX when I was XXXX XXXX XXXX my mother opened a credit card in my name using my information. it had a {$4000.00} limit. This was charged off. This is still on my credit. I reported this to the XXXX XXXX XXXX in XXXX in XXXX Wisconsin only to be told that " the debt is too old to prosecute ''. I disputed this with all 3 credit reporting companies to no avail and I contacted Bank of America fraud department to no avail. In XXXX, they provided me a copy of the application and the signature does not match. I filed a report with the FTC report number XXXX. I want this off of my 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 non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX delaware  Account number 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 2022-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
My SS # was used ( though it is frozen ) to personally guarantee a credit purchase from XXXX XXXX XXXX XXXX. There were odd addresses and phone # s on the application. I was unaware of this till a collection company, Caine & Weiner, turned this into the credit bureau against me. I spoke to a Caine & Weiner agent, who thus far has been very helpful. I called the original creditor to speak with the salesman whose name appears on the application. I was told he was on the other line and will call me back. 5 min later I recieve a return call in which the person states he no longer works there ( very strange ), I was then placed on hold for a long time. Spoke to noone else. Now back with the Caine & Weiner agent, she said to fill out the FTC Report and get it back to her to start the dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed the account and yet they fail to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Payfare International Inc.
State: TX

Complaint narrative:
On XXXX my card account was hacked and my login info was changed and I could not access my account. I had XXXX dollars in the account at the time it was hacked and stolen. I contacted the company ( payfare ) and was told it would be looked into and they would get back with me in 24 hours. After 24 hours I was not contacted so I contacted them again and was told it was still being looked into and would be another 24 hours. I still have not heard from them after a further 24 hours.

Company response to consumer: Closed with explanation