vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
I wrote to Phillips and Cohen assoc ltd located in XXXX DE at the direction of XXXX as XXXX said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( Phillips and Cohen ) a letter XX/XX/2022, and XX/XX/2022 and to XXXX themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. Account # 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANSUNION in regards to account name : XXXX XXXX XXXX account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with TRANSUNION, XXXX, AND XXXX are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with XXXX, TRANSUNION, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

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 — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 an 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 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: SC

Complaint narrative:
XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2022-05-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX, XXXX, EQUIFAX, AND XXXX in regards to account name : XXXX XXXX XXXX account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were 7 errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, EQUIFAX, AND XXXX are showing inaccurate and differently. I have attached to this dispute my credit report with the 3 above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit report I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

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: SC

Complaint narrative:
XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-05-20 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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-20 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
9:37 4 In accordance with the fair credit XXXX XXXXXXXX XXXX XXXXXXXX, 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 ngt treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose

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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 — Report provided to employer without your written authorization
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 an 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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: 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:
This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2022-05-20 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: GA

Complaint narrative:
The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.

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:
The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. Account # 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 2022-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. Account # 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 2022-05-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
XXXX XXXX at XXXX made formal notification of XXXX XXXX account delinquency of {$6800.00} to external collection agency, Coast Professional , Inc. Have written to Coast Professional Inc XXXX to substantiate and verification of debt in separate mailings. On XX/XX/2022 notified New York Attorney General of my on-going debt collection circumstances. On XX/XX/XXXX. XXXX  notified Consumer Financial Protection Bureau of my need to open a new student account checking with XXXX  XXXX XXXX and notify XXXX XXXX XXXX XXXX. At present, I feel its necessary in notifying my XXXX Term Life Insurance Policy of all these changes in order to proceed with disputing the {$6800.00} with Coast Professional , Inc, debt collection agency on behalf of XXXX XXXX at XXXX, current holder of defaulted student debt.

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: EQUIFAX, 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 XXXX XXXX XXXX XXXX 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 based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation