vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
It started with a debt that XXXX XXXX XXXX ( XXXX ) said that I owed when they made false claims to get me to renew. When I called back to cancel and explain my situation they said sorry and that I was out of my contract and I had to just return my equipment to their store. I went and returned my equipment to their store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. At that point I asked if I was good and didn't need to do anything else to be done with them and they said I was good so I left. I then received a bill from them for the services I didn't request so I called and they said it was their mistake and that I was relieved of what they said I owed. This was back in Fall/Winter of XXXX. I then received a few months later letters and calls from XXXX XXXX XXXX, a debt collector, I had to go through a whole process and lots of time ( almost a full days work ) to get them to say their collections are done and that they wouldn't report me to a credit bureau. This letter came on XX/XX/XXXX. I thought this was handled then in XX/XX/XXXX I got a call from AmSher saying I owed debt told them my situation and that I already handled this and won't do it again and to stop contacting me. They continued contacting me so I sent them my information on the previous collection efforts to show that I didn't owe anything. Then they said they would stop contacting me but nothing else was handled and I feel that this is harassment by XXXX XXXX to try and collect a debt that isn't owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: USCB, Inc.
State: CA

Complaint narrative:
I HAD PREVIOUSLY DISPUTED THIS ACCOUNT AND ASKED FOR DEBT VALIDATION BUT NEVER RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I was in forbearance last year, XX/XX/2022, Georgia mortgage assistance fund paid my mortgage, taxes, escrow, principal, and interest. Also 3 additional months where covered. So my {$1700.00}, mortgage statement says NOW my mortgage is {$2700.00}, which is {$1000.00} more per month! BSI financial services also said I now owe {$9000.00}, back escrow, when a government program caught me up and my balance is {$0.00}, also just found out that BSI, didn't pay for my house insurance and I now don't have insurance on my home. They told XXXX insurance that they were sending payment, which never happened. I think they are trying to steal my house from me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
3-5 apparently machine generated phone calls per day from " Comenity Bank '' , using different phone numbers. After a while they have been successfully caller blocked since I have no business relations with that bank, as a former XXXX XXXX exec, did not know they existed. Today another phone call came through, not readily identifiable and I picked it up. I was told that I owe the bank " money '' for my XXXX account. When I told them that all my payments are made exclusevely to XXXX with my XXXX XXXX credit card the woman on the phone said, well, then you owe mone on your XXXX credit card. 
I told them that I do not have, never had, will not have a XXXX credit card. Then she said I am transferring you to the Fraud department. I was put on hold and finally hung up. 
I suspect that they then would have attempted to get all kinds of personal but for them useful information from me. 
Is this one of the XXXXXXXX criminal spam/phishing/fraud attempts? Has my identidentity been breached? Stolen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 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: IL

Complaint narrative:
I sent a dispute letter to XXXX recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 USC 1601 XXXX XXXX XXXX XXXX XXXX disputes sent to equifax, XXXX and XXXX which are all three financial institutions which sells financial products and reports credit. This is a violation of my identity rights and consumer rights of credit privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, Speedy Cash has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a 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 ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CA

Complaint narrative:
I sent my letter off XX/XX/XXXX2022 I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be one address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Single family XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 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: CA

Complaint narrative:
I sent my letter off XX/XX/XXXX I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be XXXX address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } XXXX. XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had XXXX XXXX XXXXXXXX XXXX credit card since XXXX and always paid before due date of XXXX online. I received my monthly statement and I owed {$49.00} charged on XX/XX/XXXX and {$200.00} charged on XX/XX/XXXX due XX/XX/XXXX. I went online to pay bill and site said no account exists. 
I then remembered I received a letter in XXXX from XXXX XXXX XXXX  about a credit card so looked up the letter. I had not received any communication subsequent so forgot about it. Also no credit card. Letter said I would receive credit card and new statement no later than XX/XX/XXXX and if not received call XXXX. I did on XX/XX/XXXX, spoke to XXXX. Said he would mail me a new card and statement immediately and any late fees or charges will waived. I received nothing. On XX/XX/XXXX, I spoke to XXXX and she said she would mail me a new card and statement, not to worry about any fees or this affecting my credit. I'm worried about what this mess is going to ruin my credit. I can't pay them online because I don't have my account number which would be on a statement or credit card. You can't access their bank online or create an account without the account number which they won't give you on the phone. 
These calls to the XXXX number take 1-2 hours each and I just can't keep doing this and having at lease 3 new credit cards mailed to me that to date I have not received nor do I have a statement. 
The {$250.00} I owe was charged to the XXXX XXXX XXXXXXXX credit card but I can not pay them, only Comenity who will take a payment over the phone for an additional charge. I do not want to pay a bill over the phone with a company that hasn't performed any of their duties, sending me a credit card and/or a statement with a due date. 
All I want is to pay this bill and not have my credit rating affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a 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 ended 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 non-monetary relief
Consumer complaint received 2022-10-27 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a 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 ended 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 2022-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The CFPB found that XXXX XXXX  violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Specifically, XXXXXXXX XXXX was : XXXX XXXX XXXX FRAUD AND FORGERY NOW TOLLING CONSUMER PROTECTION -=MY HUSBAND AND MY NAME ARE OWNERS OF HOMES- THEY ARE EXPLOITING IN A SYSTEM WHERE THEY HAVE MY HUSBANDS NAME ON PROPERTY THAT READS IS A HOUSE BUT IS A LOT- YET PAYING TAXES SINCE 2017 - CALLED TAX OFFICE NOW ITS REMOVED- BUT i HAVE THE PICTURES-SO YOUR DOING A GOOD JOB- XXXX XXXX IS DOING ACCOUNTS- THEY ALSO TITLE FLIPPING- AND THEY ARE TOLLING Exploiting personal data without authorization : Failing to provide legally required consumer disclosures : The Truth in LENDING Act requires banks to provide certain disclosures TO A DEAD PERSON WHEN STEALING HIS IDENTITY AND A WIDOWS LIFE ESTATE AND ALL THEY OWN WHEN WE WERE NOT IN DEFAULT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company is falsely reporting an old debt or someone else 's debt to my account as of date XX/XX/2022. 

I looked at the supposed original credit of XXXX XXXX XXXX XXXX and that is in XXXX FL. I have not lived or have even been in that area in a decade. 

I have disputed this with all credit bureaus and this company is falsely reporting that the information is accurate when its clearly not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: IL

Complaint narrative:
I sent a dispute letter to Experian recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX, XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX # 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 non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 non-monetary relief
Consumer complaint received 2022-10-27 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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a 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 2022-10-27 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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a 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 2022-10-27 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 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