vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 non-monetary relief
Consumer complaint received 2022-04-15 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. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOO INACCURATE INFORMATION ON ALL OF MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

FIRST LETTER SENT XX/XX/2022 SECOND ATTEMPT SENT XX/XX/2022

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOO INACCURATE INFORMATION ON ALL OF MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

FIRST LETTER SENT XX/XX/2022 SECOND ATTEMPT SENT XX/XX/2022

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. It has been XXXX  days no response it is a violation of my rights. 
They also violated the law because according to 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 I did not give anybody 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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. 
I don't have documents to provide obviously, since this debt is not mine.

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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalations department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting to assume the loan once again due to divorce. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this Substantiates my successor in interest to the mortgage to remove him from the loan. Phh already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current.

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 2022-04-15 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2022-04-15 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2022-04-15 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: NY

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-04-15 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported Portfolio Recovery balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX  balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle LVNV FUNDING LLC balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: NC

Complaint narrative:
Loan was bought out by XXXX XXXX XXXX XXXX Never agreed to any of terms and adds a hidden late fee of XXXX dollars a day to loan. Still pulls it out of my checking account and saids Im late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. 
I don't have documents to provide obviously, since this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 2022-04-15 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: NCB Management Services Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 2022-04-15 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-15 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-15 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX Acct # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc

Complaint narrative:
Good day! I'm from the XXXX and a freelancer. I've been using Paypal for XXXX years and now, they're suddenly closing my account saying I'm engaged in selling XXXX content/materials which I'm not aware of. I've only been using Paypal to purchase games or for receiving salary from my US employer ( I'm working remotely ). 

I'm not sure if this complaint should go here, I just want to give it a try and make an appeal. I've asked them for the specific transaction they're flagging, but they keep saying that they can't provide further detail. 

I know you can help me out as this payment method is important to me for all my transactions as a freelancer. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Starting back to 2016 I have medical debts added to my credit report from XXXX XXXX  originating from XXXX XXXX have XXXX amounts of {$120.00}, Acharge for {$150.00}, XXXX charges of {$1800.00} seperate charges of {$200.00} dollars, The rest are down below BULL CITY FINANCIAL SOLUTIONS Opened XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX BULL CITY FINANCIAL XXXX Opened XXXX {$370.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation