vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I was charged for dental services I never received. I canceled the appointment but the credit company charged me for the services even before the appointment, refused to remove the charge from the credit card and close the account. I never wanted the card. I feel the dentist forces the process on the patient under duress situations. I scheduled for a routine cleaning and was charged for something totally different. 

I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission. 

This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid. 

Please stop reporting this violation to my credit report until this has been fully validated. I did not give consent to have my private, medical info shared. 

The HIPAA covered entity provide debt validation for the bill in question. 
Please provide a breakdown of all itemized costs. 

Copy of my signature on a release showing that I gave permission for my information to be shared. 


Affidavit under the penalty of perjury that you have not violated my HIPAA, FCRA, FDCPA rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MD

Complaint narrative:
Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. Equifax, however, said they could not change the information, even after verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: GA

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2022 Made a credit card payment of {$780.00} at Bank of America atm on XXXX XXXX XXXX in XXXX FL. The machine malfunctioned, ripped one of the XXXX dollar bills and sent the corner out with a receipt stating that the cash was not credited and to call a phone number and make a claim. Made the claim, and was told it was would rectified in 5 days. Followed up today and was told that it could be 60 days and there is nothing else that can be done. It is extremely stressful to not be able to get any confirmation of where the {$780.00} went and to wait two months for it to be credited to 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 monetary relief
Consumer complaint received 2022-10-06 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 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 2022-10-06 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CA

Complaint narrative:
unathorized use of my credit report by the companies listed below:

XXXX XXXX on 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: Avant Holding Company, Inc.
State: SC

Complaint narrative:
I paid off my Avant card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MA

Complaint narrative:
XX/XX/2022 someone changed my phone number than added a XXXX address and withdraw my money in the account After hours on the phone filling all the disputes They say they can not get my money back XXXX they also hacked o to my XXXX  XXXX XXXX account and tried to withdraw from that This is just not right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpointe informed me By mail that they are my new mortgage company. 

I was told they will modify my mortgage and I will pay a lower interest rate & lower monthly payment Because I was on the forbearance plan. Unfortunately that did not happen I wear more. 

They report my mortgage to the credit bureau that I was late which I was not and Im still not. That information is still on my report. 

Some of my payment is unapplied They add interest to the forbearance balance. I was told by my previous mortgage company there will be no late fee, interest added or mortgage sold. 

Additional fees are added because of the forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: CA

Complaint narrative:
I had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XXXX I made a payment on my XXXX XXXX card, which is issued by Comenity Bank. It was a {$60.00} payment, the store never applied it to the balance and I began having late fees accrue. I told the company I had the receipt and tried on multiple occasions to prove that I had made the payment. I also made it clear that I would not give more money until the company showed that the money I had already paid was applied to the account and late fees removed. I have had conflicting information from different offices within the bank. One woman told me the account was closed and has a zero balance, another said she removed the late fees, and another said they arent able to remove late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/2022 with the amount of {$900.00} I have sent chime the conversation between me and the vendor from XXXX XXXX I have sent them the XXXX investigation information i also sent them invoices they still refusing to give me my money back it was stolen I live in a apartment complex they left package on they XXXX attempt to deliver

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, XXXX and TransUnion to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, Equifax and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello when I was XXXX I went to trade school and took out 2 Federal Loans through XXXX in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX 2nd Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: NJ

Complaint narrative:
Hello when I was XXXX I went to trade school and took out 2 Federal Loans through XXXX in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX 2nd Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.

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