vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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 Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 2023-04-25 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: FL

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 a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It 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 2023-04-25 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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 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.

I have sent several certified letters to these companies, XXXX XXXX # XXXX, XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I have spoken to the representative from First Credit XXXX in regards to a debt owed to XXXX XXXX when I did not realize my debit card linked to my account had expired. 
I would like to pay the bill but I have repeatedly asked for a written bill as there are too many scammers out there and I would like to review the months I am being billed to ensure accuracy. 
They keep telling me that I am receiving emails and that is my bill. First, I do not receive any electronic communication from them. Second, I would like a bill mailed to my house, as is my legal right. 
I have not received any communications except for phone calls and my pleas for a written bill sent through the mail are being ignored. 
I do not want this to affect my credit score and I firmly want to pay this debt, but my rights are being violated and I don't know how to go about getting a written invoice from them. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
On XX/XX/XXXX a procedure was performed that required preauthorization by the XXXX XXXX XXXX XXXX XXXX XXXX. I provided Primary and Secondary Insurance information and ID Cards but was never notified that I would be responsible for any amount. When I received a balance due amount a year later, I noticed they did not bill my secondary coverage ( XXXX XXXX ). I called and sent them messages monthly through their portal. They sent me to collection and my credit score took a hard hit. Finally, I received a response where XXXX said she would pull it out of collection and resubmit and keep me notified of the status. I continued to keep in contact through their portal with no response, no status update. Then on XX/XX/XXXX they sent me another bill for the balance of {$380.00}. XXXX XXXX said, today, that they were never billed. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Radius Global Solutions stating their attempts to collect this debt. I was baffled at how this was supposed to be resubmitted and yet now I am sent to collections XXXX months later, blindsided. I called XXXX XXXX, XXXX XXXX, and Radius Global Solutions today, XX/XX/XXXX. XXXX XXXX said they were never billed, XXXX XXXX said the information was not in their system and that they sent a bill out today as we were on the phone and that I would have to call the collection agency and have them stop collection efforts. Radius Global Solutions transferred me to a supervisor with a name that sounded like XXXX XXXX and he was rude. Kept interrupting me, wanting me to give him Yes or No only and sarcastically said sure my insurance company is going to pay after all this time. Hung up on me. I digress. XXXX XXXX is not an insurance company. This benefit was given to us because my husband was injured while on duty and had to XXXX  retire. We are both XXXX American veterans. The hospital should not be allowed to delay bills, send me to collection, and have the collection agent harass us and ruin our credit because they did not bill XXXX XXXX who said they would have paid as they always do. This harassment is affecting my health and XXXX XXXX. Please let me know what we can do as I have tried everything possible to make this work out. Thank you very much

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/23 I updated my phone number and now I am locked out from signing into my bank account online for 14 days, is this legal XXXX, do you have the government regulation right to do this? Several hours with several customer service, changing and changing my password and as no one knew this new policy - My second complaint is I put in my dispute with the bank for a XXXX refund. XXXX picked up everything on XX/XX/23 and today a supervisor in XXXX dispute department stated they have 90 days before even submitting the dispute to XXXX, THIS IS NOT CORRECT OR EVEN LEGAL XXXX, you have 90 days to complete the task period and 5 days later you are still working on what to do. XXXX will only refund the money upon receipt of the dispute and I want it sent immediately {$660.00} dollars I am waiting on and XXXX has the refund confirmation letter, WHAT MORE DO YOU NEED XXXX. This bank has unethical practices and I as soon as all transactions are complete, I am leaving the bank. LOCKING SOMEONE OUT OF THE ONLINE ACCOUNT FOR 14 DAYS IS BS FOR ANY REASON!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
XXXX XXXX XXXX Opened XXXX {$87.00} THIS IS NOT MY ACCOUNT AND HAVE NEVER HAD AN ACCT WITH ORIGINAL CREDITOR. 

UNDER THE FCPA THIS NEEDS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
I have hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that needs to be removed immediately from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that needs to be removed immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are several wrong addresses reprorted on my credit profile I have reported the problem I need solutions this is causing me major problems in my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Dear investigator, In a communication I recently received from Equifax ( Exhibit # 1 ), the company alleges that ( 1 ) I have not applied for credit recently, ( 2 ) I have not used credit in the past 10 years, ( 3 ) I have not lived in the United States and ( 4 ) I do not have an Assigned Social Security number. 

ALL THESE ALLEGATIONS ARE COMPLETELY FALSE. I have an account with Equifax company, as well as XXXX XXXX and XXXX credit reporting companies. To correct this very serious error, I include a copy of my credit file with the Equifax company ( See Exhibits 2, 3, 4, 5, 6 and 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have have purchased items using the same phone number with this company for many years, recently I click on link on my phone and my phone was hacked and assessed remotely, I turned the phone off and bought a new phone, I reported to Affirm that that phone and number had been breached and to not accept any attempted purchases using that number, I asked them to either put an hold on my account until they can verify me and my new number or block that number, I did everything they asked me to do to change my phone number on my account, I sent in picture of my driver 's license front and back and I sent a real time selfie, I did this procedure 3x and go a confirmation message that it may take a while to verify the info, to my knowledge they still have that old hacked number on my account and will not acknowledge my new number whenever I called they are still asking for the old number which should not be on my account anymore and in fact may be disconnected by now, because I did not pay to continue the service with that old number. Affirm is doing nothing to secure my account or the personal and financial information the hackers can get including my social security number and address by using that phone number. They have in essence locked me out my own account or are possible trying to make me turn on and use a hacked phone just to gain access to my account. I have called them today and verified myself and they rep still did not help me was still asking for the old hacked number even though I told them that it has been compromised. I am afraid that they are leaving the door open for an hacker to steal my identity they are making no effort to secure my account. I would like old number taken off my account and my information to be secured by this company whom I entrusted with my personal information and I would like them to put my new number on my account, I have done everything they asked to verify myself and they still won't secure my account and are acting very non chalant about the whole situation, I can not get a manager to call me, they do not return phone calls, they do not follow a situation through until an solution of reached. They do not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kornerstone Credit,  LLC.
State: LA

Complaint narrative:
Ok this original account was with Kornerstone Credit they sold it to XXXX XXXX XXXX, who sold it to XXXX XXXX who sold it to XXXX XXXX who then sold it to XXXX XXXX XXXX. I spoke with these companies for almost 2 months trying to get to the bottom of this so i can settle this account, i have been getting the run around. This is one account and XXXX XXXX XXXX and XXXX XXXX XXXX have it on my credit they are trying to charge me twice for one account. When doing my investigation XXXX had me owing {$5000.00}, which was wrong so when i contacted them 2 weeks later they changed it to the right amount, i disputed the amount to transunion. With XXXX XXXX XXXX they removed this account off my credit report and last month now its back on there. All these companies have been giving me the run around and i'm just trying to settle this account. I went as far as reporting XXXX XXXX XXXX to the XXXX, still waiting on a response. I spoke with XXXX today XX/XX/2023 and they gave me this website, I spoke with Representative XXXX. She also see where i disputed these 2 creditors on many occasions. This is one account and the bedroom set was {$1800.00} dollars so i do not know where the {$4500.00} come from. I'm trying to settle this account but I don't have correct information and all these creditors involved are giving me the run around. Can you please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Fraudulently opened by ex employee. Never had my consent or authorization. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: Collection Management Holdings, LLC
State: WA

Complaint narrative:
I had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as XXXX in Alaska and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-04-25 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: TN

Complaint narrative:
Remove my negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TN

Complaint narrative:
Remove my negative items

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
I was unable to get my indentity verified by Lexis Nexis because they are reporting a old phone number for me that I no longer have. I tried to update my information directly with them and was told that I cant, but per the F C R A. I have the legal right to update incorrect information about me. How can I be told I cant update my own information about ME that is incorrect? that makes no sense. I just need my correct phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 2023-04-25 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Exeter Finance LLC Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It 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 2023-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We asked for a disaster forbearance in XXXX for hurricane Ian as I had standing water in my house. I was told by the company that services my loan Mr. Cooper that I could get a three month disaster forbearance and the payments would roll to the end of the loan as it was for a disaster. Now Ive been trying to make payments since XXXX to which they refuse to take them, they told us they miscoded the forbearance and some how an extension on my disaster forbearance was filed with out my knowledge or consent and then denied and now they will only give me loan modification or pay the total sum.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I received an alert on my credit file that a company had reported false information that I owed a debt to the company ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, had reported that I owed a debt they had not contacted me by mail phone, or email when I tried to contact them the phone number listed just ran and hung up. This is not my account nor do I know anything about it they are violating the Fair Collection Act and need to be fine!

Company response to consumer: Closed with explanation