vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
This company has reported information that was not correct they have misused my credit report on all credit bureaus they have ruined my credit, per the law you have to send a validation of debt, also a fraudulent affidavit and I have yet to receive that information and this company has violated all laws and regulations, In accordance with the fair credit Reporting act OPORTUN/ XXXXK # 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 purpose. This company had broken all the laws they have reported information on my credit bureaus 2 times this month and its totally unacceptable and my Attorney has told me all my rights have been broken I have been deceived by this company has called my phone numerous a times Also this company is reporting on my Credit Bureaus that this is Auto Financing how is that possible one minute they say its a credit card now they are saying its a Auto this cant be right, they are reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I ordered {$360.00} worth of products from XXXX on XX/XX/2021. I still have not received {$320.00} of the items. XXXX shipped my order which USPS showed as pending acceptance from XXXX. USPS is still showing the large order as pending acceptance from XXXX. I've filed a dispute with the comenity bank showing that the item has not been received to date. My dispute was denied as the vendor showed that the product was shipped. I filed a second dispute showing that the shipping number wasn't received and is still pending USPS. They responded almost immediately saying that they already reviewed and the dispute is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 2022-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 2022-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Failure to provide notice within 30 days that mortgage had been transferred. 

AutoPay was cancelled due to mortgage transfer, causing a delay in payment posting. 

We called our prior company and was informed that a notice had been mailed, however, we never received said notice. 

There were never any notifications, emails, correspondence, or evidence of this transfer other than this " goodbye letter '' that they claim they mailed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: AZ

Complaint narrative:
XXXX XXXX is reporting my account as 30 days past due for XXXX. I have never been 30 days past due with the credit which the company representative confirmed. I requested confirmation in writing and was advised it could not be provided. I also requested to have the 30 day late removed and was told the company does not wait 30 days to report a late payment to the credit bureau.

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 2022-06-09 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: OK

Complaint narrative:
XXXX XXXX Date of Service for medical procedure : XX/XX/2022 Amount billed by XXXX XXXX BEFORE XXXX health insurance processed claim : {$5000.00} DATE XXXX  FINALIZED CLAIM FOR DATE OF SERVICE XX/XX/2022 : XX/XX/2022 XXXX  adjusted contracted rate with XXXX XXXX for medical service on XX/XX/2022 : {$1500.00} XXXX  benefit paid to XXXX XXXX for date of service XX/XX/2022 : {$640.00} Patient responsibility AFTER XXXX  processed insurance claim : {$880.00} During the claim process we received bills from XXXX XXXX for the total amount of {$5000.00}. Every time I received a bill from XXXX XXXX I contacted their billing department and advised the claim was being processed by my healthcare provider. Every time I received a bill from XXXX XXXX in the amount of {$5000.00} I contacted my healthcare provider inquiring status of claim. 
Every time I contacted my healthcare provider I was advised the claim was still being processed and they advised they would contact the billing department at XXXX XXXX which they did and XXXX XXXX advised the bill was put on hold. On XX/XX/2022 I received notice from collection agency for {$880.00}. XXXX  never gave me the opportunity to pay my patient responsibility and sent my account DIRECTLY to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for new credit card with Citi bank early XXXX with no interest charge for an year. I signed up for online banking and paid minimum due every month till year. After completion of one year I got an email saying that your free interest period is complete. I tried logging into online portal and I was not able to log in and website asked me to contact customer support, I called them and was on hold for long time as its covid period and resource problem. On XX/XX/XXXX I was able to reach Citi bank customer service logged into system and requested to removed few interest charges as its due Citi bank technical issue I was not able to pay the bills. No one responded properly and was not informative. I pointed out the problem with website too. I stopped my monthly payments as they are not responding. This impacted heavily on credit score and my car payments. 

Today they decreased my credit limit almost by 90 % and launched a new website design for online banking. 
I asked to a relief of $ XXXX for interest and pointed online banking problems. Instead of at least responding to my questions they decreased my credit score and credit limit.

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 2022-06-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Resources, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I injured my XXXX and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX Colorado. I submitted all my information including all my medical information to the staff at this hospital. I was treated and released. 
The hospital submitted for services to my insurance company on XX/XX/XXXX. I received an invoice from the hospital in XXXX of XXXX for {$2200.00} and I paid my part of {$500.00} after insurance paid their Part. At this point I was under the impression that my bill was Paid. 
On XX/XX/XXXX, approx. 1 year and XXXX XXXX months later I received an invoice from XXXX XXXX XXXX associates for {$650.00} for the emergency doctor 's fee. This was the only Invoice I received from them. I checked all my statements from the insurance company from XX/XX/XXXX to XX/XX/XXXX and found that XXXX XXXX XXXX XXXX had not submitted for payment of services. 
On XX/XX/XXXX I contacted the billing dept for XXXX XXXX XXXX XXXX about this invoice. I advised them that they haven't submitted this to my insurance company and that once submitted I would pay the amount owed and that my medical insurance information was submitted to the hospital where I was treated. 
On XX/XX/XXXX I received a letter from Collection Resources Inc. for the amount of {$650.00}. At this point it was obvious that XXXX XXXX XXXX XXXX didn't submit to my medical insurance. Now due to their negligence I am in collections instead of paying my part of 20 % ( {$130.00} ). This is XXXX XXXX XXXX XXXX mistake and I in good faith I did my part by submitting my medical insurance information so they could get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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, 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 2022-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX ) XXXX Phone ( XXXX ) XXXX http : XXXX They have been trying to collect on an auto loan that has been paid off. XXXX XXXX # XXXX balance {$8900.00} date opened XX/XX/2021 for Carmax Auto Finance # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09 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: WA

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, 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, 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 2022-06-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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