vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: WV

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 2022-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XXXX of XXXX I was approved for a trial period modification. The XXXX trial payments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I was approved for the modification effective XX/XX/XXXX. I have made every payment on time since the start. 

On XX/XX/XXXX I received a letter from US bank informing me that I potentially would qualify for the " pay for performance '' incentive. That being up to {$5000.00} reduction in principal if I stayed in good standing during the term of the loan. The letter also said that I could qualify for an additional {$5000.00} principal reduction after year XXXX ( which should be XX/XX/XXXX ) - again if I stayed in good standing. 

I've called US Bank several times to inquire why I haven't received any of the potential {$10000.00} in principal reduction. They have acknowledged that they sent the letter - however they continue to tell me that they don't know why I haven't received the incentive. 

So my question is simple- why have I not received the " pay for performance '' incentive. And, what do I have to do to receive it? 

If for some reason I don't qualify - please tell me why. 

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 2022-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # 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 an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-05-15 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: MO

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 under 15 USC 1681. convergent accounts XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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 2022-05-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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 explanation
Consumer complaint received 2022-05-15 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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 explanation
Consumer complaint received 2022-05-15 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: PA

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 under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED I XXXX  XXXX has violated my rights. 
15U.S. C 1681 section 602 A. States have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 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: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: CT

Complaint narrative:
This company is a fraud, they seem to be praying on people. I have asked for the reason if this bill and who they are to prevail they continue to send me threats of balance they say I owe them. I do not know who this company is I don't owe them anything. Theses people should not be allowed to do this I want this removed from my credit remove immediately. Please investigate the people and their tactics. I have node what thesis for. 

They preying on people who will send them money.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-15 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment 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 non-monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CRESCO CAPITAL INC.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Cresco capital  XXXX. XXXX XXXX {$59000.00} Late payment becouse the sold me a truck with many mechanic problem and they no help me with a payment plan and now the reporting XXXX Late payment in my credit report and it is affecting me and my family life XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, ia XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Experian, 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 non-monetary relief
Consumer complaint received 2022-05-15 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: NC

Complaint narrative:
To Whom It May Concern : XXXX, Transunion, and XXXX are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, Transunion, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, Transunion, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, TransUnion, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, Transunion, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, Transunion, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, XXXX, and Transunion need to remove immediately : Department of ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX  XXXX  XXXX ( XXXX accounts ) XXXX  XXXX XXXX  XXXX XXXX Department of EDU XXXX XXXX US Department of EDU XXXX XXXX XXXX XXXX  XXXX XXXX have also filed previous CFPB reports on XXXX, XXXX, and Transunion for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, Transunion, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer 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