vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : XXXX, XXXX/XXXX  : XXXX, XXXX/XXXX  : XXXX, XXXX : XXXX, XXXXXXXX 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 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 2023-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
- XX/XX/XXXX, I received a collection notice from Account Management Services ( AMS ) in behalf of XXXX XXXX XXXX. 
- Reached out to XXXX XXXX - Account XXXX on file, to explain that the amount claimed on the collection is already paid even before the collection letter date. Requested details of the collection amount for verification. 
- On XX/XX/XXXX, details of the account based on an invoice copy was sent to me. 
- Spoke with Account XXXX again to state that the account in question have been settled. We agreed for me to send proof of payment. 
- On XX/XX/XXXX, email was sent to XXXX with the attached copy of the checks paid, which totals the complete amount stated in the collection. Also submitted a copy of the the last invoice showing proof of that the full amount has been cleared as of XX/XX/XXXX. 
- Since XX/XX/XXXX until XX/XX/XXXX, no further communication was made to the contrary from XXXX invalidating my submitted documentation or seeking further documentation or seeking for payment for any unpaid collection. 
- Furthermore, succeeding invoices from XXXX XXXX likewise shows no balance reflecting the amount being collected. 
- On XX/XX/XXXX, I receive a collection letter from AMS seeking payment for the same amount that was already been established as paid more than 3 years ago. 
- I called up AMS to seek clarification and initial spoke with a certain XXXX who was covering for XXXX XXXX, reported that XXXX is not in the office and will not return until Tuesday - XX/XX/XXXX. He suggested that I call again on Tuesday. 
- About XXXX after speaking with XXXX, XXXX called me up at around XXXXXXXX XXXX. 
- I asked XXXX for clarification on the collection letter once again. 
- She claims that I have not paid that amount and insist that the amount was for a different or new billing invoice. 
- I asked for details of the " new '' bill they claim I have incurred, but she is unable to provide me the details. 
- I have not used the services of XXXX XXXX XXXX since XXXX as I have move to a different service provider and would like to validate the claim on the new bill. 
- Despite my failed attempt to understand what I was being requested to pay, I decide to formalize my request by registered mail on XX/XX/XXXX. 
- I also emailed the same request to XXXX XXXX - Account XXXX in charge. 
- Little did I know that the account have already been reported to the credit bureaus. 
- I filed a dispute against XXXX through XXXX on XX/XX/XXXX for failure to provide me with details of the account being collected as well as the lack of communication and transparency to sincerely resolve the issue. 
- My rights under the Fair Debt Collection Practices Act ( FDCPA ) was completely ignored. 
- My credit score have been unfairly impacted by the shady business practice of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX  have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all XXXX bureaus

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 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
They have called me numerous times and only leave a prerecorded message to call them back. When I called them back they claimed it was a debt collection over a Check N Go loan from XX/XX/2015. I wrote check n gos fraud department to verify my debt and all they said was its verified, they did not provide details or specifics and didnt prove the debt is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Thanks for your response but I have total of {$150.00} that your Debit Card Disputes Dept. Still owes me on my account as well as {$5.00} from a merchant refund. Please understand that this money was asked to be released by the merchants back into my account. I need you deposit my funds into my balance to make transfer out to my debit card. I did nothing wrong for you to hold my money & request you release the account limitation today to access my funds and that the Back Office regard the letters sent to service.paypal.com that were sent with my Disputes. This matter is not resolved until all my funds are received. Please contact me at XXXX XXXX XXXX XXXX XXXX that these funds are recovered. Your office knew I was XXXX  and these funds were for my medical expenses they can not be on held 180 days I am XXXX. I need an executive response by phone to release and transfer my refunds owed today to my debit card like the agent allowed me to do on Monday. Please call soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: KY

Complaint narrative:
Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against XXXX XXXX XXXX XXXX. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and XXXX XXXX XXXX XXXX or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with XXXX XXXX XXXX XXXX. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, XXXX XXXX XXXX XXXX has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. XXXX XXXX XXXX XXXX has failed to produce the original instrument of indebtedness to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to XXXX XXXX XXXX XXXX. 

Does this instrument confirm and affirm that I am the obligated party for payment to XXXX XXXX XXXX LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX and TransUnion are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX nor did XXXX XXXX XXXX XXXX make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.

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 2023-05-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: AL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}

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 2023-05-27 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: AL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was a few days late on my payment ( 7 ) forgot about it accidentally, Wells Fargo began calling, they called me twice on XXXX during my work day, when they couldn't reach me they called my ex-wife who was no longer an authorized user on the account, gave her account information and told her that she was responsible for the payment, this is harassment and a breach in privacy. I want suitable compensation for this 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 2023-05-26 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: Zions Debt Holdings
State: KY

Complaint narrative:
Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against ZIONS DEBT HOLDINGS LLC. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and ZIONS DEBT HOLDINGS LLC or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with ZIONS DEBT HOLDINGS LLC. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, ZIONS DEBT HOLDINGS LLC has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. ZIONS DEBT HOLDINGS LLC has failed to produce the original instrument of indebtedness to ZIONS DEBT HOLDINGS LLC. ZIONS DEBT HOLDINGS LLC has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC. 

Does this instrument confirm and affirm that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I applied for a home loan and was told by the bank Rushmore Loan Management services was reporting that my mortgage was still open and I was over 120+ days past due. I have never paid my mortgage late. Rushmore loan serviced my loan from XXXX until XX/XX/XXXX. They sold/transferred my loan in XX/XX/XXXX. I filed a dispute with the credit bureau and received an email telling me the dispute was resolved in my favor. I figured I would wait a few months and then followup with the bank to allow time for my credit score to reflect the changes. Fast forward to XX/XX/XXXX, the bank told me that my XXXX report is showing XXXX reporting a 90+ days late payment in XXXX of XXXX. I paid to have my credit pulled to see the XXXX report myself and sure enough it is there and it is also showing on credit karma as a 90 day late payment in XX/XX/XXXX. I am assuming somehow that month was overlooked by Rushmore? I contacted XXXX and was told they only report information that they receive directly from XXXX and cnnot edit information on the report. I contacted XXXX and I was told there is nothing to dispute. I contacted Rushmore loan services and was told they would look into the issue. Then I received a letter in the mail that states " Rushmore loans services does not grant courtesy credit corrections. Our records indicate that the loan is reporting accurately and no correction is required. '' This negative payment history is affecting my XXXX credit score and my XXXX score which is inturn increasing my interest rate. Please see the attached documents pgs 136-138 shows negative payments marks under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian

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