vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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: VT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-18 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: VT

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 XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2022-06-18 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2022-06-18 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: OH

Complaint narrative:
I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

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 2022-06-18 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: OH

Complaint narrative:
I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Contract Callers Inc. requested {$150.00} per alleged owed utility bill of a property sold to new owners over a year ago. 

Notified initially via mail and then filed a dispute via XXXX online dispute form the same day I received notice. 

On XX/XX/XXXX, Contract Callers INC reported to the credit bureau XXXX. They have included a very damaging negative mark on my credit which plummeted my score and can potentially stay on my report for 7 years. I am literally in the process of purchasing a home and this has caused severe damage. 

A letter from Contract Callers Inc with the date of XX/XX/XXXX on the letter arrived to me during the 3rd week of XXXX. The letter CONFIRMED my alleged debt was in dispute. And attached a backend statement from XXXXXXXX XXXX  XXXX listing various amounts. It was not a copy of a bill or anything familiar to me, to use as proof/verification. 

Contract Callers Inc is in direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. They have reported to XXXX on XX/XX/XXXX, invalidated information that is still in dispute, and this action is constituted as fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
COPY OF LETTER SENT TO BANK : On XX/XX/XXXX we received the attached unsigned, nameless, 21-word letter from your bank with NO EXPLANATION and even more concerning, no information about where our money went. We have been banking with you for many years. Please note that it was sent to our home in Florida. 

On XX/XX/XXXX we attempted to contact your bank. After getting a run around with security for about 2 hours we gave up. The big problem was we dont have a phone that will receive text messages. They couldnt send us a security code without our hanging up our land line and that in turn invalidated the code given to us. We are senior citizens and were on our old-fashioned land line. Out of frustration we gave up! 

The next day we started on this folly again. This time after about 1 hours we got with a gentlemen named XXXX. But in the mean time we got a royal run around trying to prove who we were, including having to take pictures of our drivers licenses and sending them to the bank. We did this THREE times, and for some reason the bank could not use them. The fact that we had a letter from your bank was not good enough for them! Nor were they willing to call us on the phone number that is attached to the account. Surely that would have proved that we are the owners of the checking account. 

XXXX was able to tell us what happened. Your bank closed the account, and sent the check to XXXX XXXX in Texas! We have not lived there for 9 years! XXXX said they are getting rid of accounts that dont have a physical address! Our reaction was, Is this some kind of joke?! 

Now if you look at the copy of the letter you sent us, you see it went to XXXX XXXX XXXX XXXX, in Florida. Apparently, you do have a physical address on file for us, some place at your bank! 

As of now, XXXX is attempting to fix the problem and he assures us that another check will be issued to our correct address. However, at this point we are not very confidant. Please know that when you send a letter like this with no explanation you create panic in your customers. Our first thoughts were that we were victims of a fraud and that someone stole our money ( in fact, YOU did steal our money using an unauthorized withdrawal ). In addition, when you close an account for no reason, your customers credit scores will be affected. This is a very poor practice and definitely doesnt represent excellent service. So much for your millions of dollars spent on advertisements. You can be assured we will never do business with you again and are telling all of our friends our story. 

COPY OF LETTER FROM BANK : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Your account has been closed. 
Dear XXXX XXXX : We're writing to let you know we've closed your account ending in XXXXXXXX.lf you have any questions, please get in touch. 
Thanks, Capital Oneo Products and services are offered by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
XXXX XXXX XXXX XXXXXX/XX/2022, Location XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX, Inquiry Type Individual, Alert Id ; XXXX is a fraudulent hard inquiry that was not done by me. I have contacted both Transunion and XXXX XXXX XXXX about removing this from my report with no success.

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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer XXXX ( XXXXXXXX XXXX  ). 
This is sent by check every month. 

Mortgage was transferred to new servicer ( Carrington Mortgage ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. 

I provided bank statements to Carrington Mortgage showing money was drawn from account from XXXX ( guild mortgage ). 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. 

Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. 

Now Carrington is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. 

Carrington, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet.

This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. 

Neither Company wants to be held responsible for this seemingly missing money. 
~ {$400.00} dollars. 

Carrington says I need to call XXXX. XXXX says I need to call Carrington, I'm getting the runaround. Now threatening to report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am a 100 % XXXX veteran. As of XX/XX/2019, medical debts that belong to the VA can not be included in a veterans credit report. I have contacted the Va and they called both the original creditor which is XXXX XXXX XXXX, and told them the correct way to file for my approved VA care. They illegally sent the account to collections. This collection company has reported this to the 3 credit companies illegally. The VA even called the Medical Date Systems INC sharks and they told the Va they would pass the request to XXXX to re-file. My credit score has dropped XXXX points overnight. This is what I get for serving my country.

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 2022-06-18 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXXXXXX 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 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 2022-06-18 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: AES/PHEAA
State: AR

Complaint narrative:
My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: MA

Complaint narrative:
I have an " adverse '' account listed on my Transunion credit report that is over 7 years old. XXXX and XXXX removed the adverse status after XXXX years. I have asked Transunion to change the status as well through XXXX dispute requests on XX/XX/XXXX and XX/XX/XXXX. Both investigations verified the account as accurate, but the investigations do not show the adverse account status that I see on my credit report. 

The account in question was with XXXX XXXX XXXXXXXX and was closed XX/XX/XXXX. There was XXXX payment XXXX days past due in XX/XX/XXXX. The Transunion Pay Status for this account says : " Paid. Closed, was paid as agreed. '' However, there is a note in the Remarks field that says : " Credit Line Suspended ; Closed. '' Both XXXX and XXXX removed this past due marker after XXXX  years. At XXXX, the this same account currently has an Account Status of PAYS_AS_AGREED and Activity Designator as PAID_AND_CLOSED. XXXX currently lists this same account Status as " Paid, Closed/Never late. '' I asked Transunion to remove the Adverse account status but they have not changed the status after XXXX dispute investigations.

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 2022-06-18 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: FL

Complaint narrative:
I submitted a complaint about erroneous information on my account. The investigation has taken over 30 days to complete. There several collection accounts on my credit report. They have not provided contract that proves the debt belongs to me.

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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-06-18 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: AR

Complaint narrative:
My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.

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 2022-06-18 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: AR

Complaint narrative:
My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: AR

Complaint narrative:
My XXXX  loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past 7 years old.

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