vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vengroff Williams, Inc
State: SC

Complaint narrative:
I am a XXXX old XXXX XXXX and nutrition expert since XXXX. 
At XX/XX/XXXX XXXX, I've had experienced an upnormal chest pain and vomiting, with higher than normal XXXX XXXX that was ( XXXX ) XXXX Pulse, before an Imbalance arrival, and this weren't normal for me because, normal XXXX XXXX of a fit person high performance athlete, as is predominantly being below a XXXX, as i used to. 

The Imbalance have arrived, so they've taken me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) located In the XXXX XXXX XXXXXXXX, SC, and after diagnosis have finding out that I have XXXX XXXX XXXX XXXX  XXXX which is obviously TRAUMATIC, XXXX  in summary ( is known as a breakdown of damaged muscle cell contents into bloodstream can cause organ damage such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). So my ( XXXX XXXX XXXX XXXX XXXX  XXXX which is dangerous and can lead to death, while normal XXXX level should be around ( XXXX ), I've had an insufficient medical treatment by XXXX that had reduced my XXXX level ONLY to XXXX, and then without notifying me that I've still in dangerous health condition, the XXXX doctor have told me to go back home. 

So I left the hospital after a few hours around XXXX NOT feeling well have the same symptoms that I've mentioned above, no change, went back home still vomiting my XXXX XXXX still high with high XXXX rate, then I've had called my URGENT care doctor named ( XXXX XXXX XXXX- ( XXXX XXXX XXXX XXXX ( his medical care address and business cell number in this complaint as well ) then have visited him, he have told me that I still need a treatment you not suppose to leave the emergency until my XXXX get really low at least below XXXX, so he had followed up with me for the following months as it shown in the receipts of each visit to him ). 

A few months letter I received a {$3500.00} bill from the XXXX XXXX XXXX for their insufficient treatment, as it shown inhere, I could be dead already because of this reckless treatment via XXXX, so XXXX didn't treat my health problem the way that I suppose to be treated, the normal XXXX  should be only from XXXX to XXXX according to the scientific data and I wasn't know if I am going to be able to survive from this health problem or pass away! 

I have treated myself via an urgent care who treated me as it shown on the receipts and prescription in the attached file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
I pulled a credit report and found out that there was a account on my credit from Allied ( Account number XXXX ) XXXXThe was a collection place on my account that has no history of any kind other than a ( C ) on it which stands for collection. I was not notified of this by XXXX or by ALLIED ( COLLECTION SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ). I request that the information by phone directly with an agent. I also sent in letter to XXXX. I also sent allied a letter. The item remains on my 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 2022-09-21 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: GA

Complaint narrative:
am a hard working individual that is trying to restore my life after post pandemic. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated according to this law. I demand that the accounts below be removed from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission or consent to furnish these account.

Accounts : XXXXXXXX XXXX amount:XXXX XXXX  date open : XXXX XXXX XXXXXXXX XXXX. date open : XX/XX/XXXX XXXXXXXX XXXX date open : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Our VA mortgage on our primary residence was owned by XXXXXXXX XXXX. After Covid caused one of us to drop to part-time employment, we used the CARES Act to suspend payments on the mortgage for 12 months. At the end of the 12 months, we completed a partial claim through XXXX XXXX for the full amount due ( {$28000.00} ). This brought the account current. The partial claim was executed XX/XX/22 and recorded XX/XX/22 ; the document was not in our possession during the delay in recording. 

Our mortgage was sold to Carrington some time in XXXX. Carrington claims it never received information about the partial claim from XXXX, and immediately began sending us letters that we were {$28000.00} behind on payments and about to face foreclosure. We called more than a dozen times to explain that the balance had been covered by a partial claim. We also had XXXX re-send the partial claim documents, and we eventually got the partial claim documents and sent them to Carrington ourselves. Most of the people we've spoken to at Carrington are unable to even understand what the issue is. Occasionally we will get someone on the phone who seems to grasp the problem and asks us to send some documents, which we immediately do, but we can never get the same person back on the phone again. Carrington representatives will not give us last names, email addresses, direct dial numbers, or any other way of reliably reaching them, forcing us to start from square one on the general customer service number every time we call. 

We made our first mortgage payment to Carrington on XX/XX/22, and have paid on the first of the month every month since. Carrington 's website and app don't work ( we just get a message that " there is a problem with your account '' ), so we have to call in to request our balance and authorize an electronic payment. We have always paid the full amount that we are told is due. 

Our credit scores ( mine and my husband 's ) recently dropped more than XXXX points, from the 800s to the high 500s, based on reports from Carrington that we are {$29000.00} behind and have multiple missed payments that are more than 120 days late. We have called, emailed, and faxed supporting documentation to show that we have paid on time every month since Carrington bought our mortgage, and that there was not an outstanding balance at the time the mortgage was sold due to the partial claim. We continue to receive no response, and additional late payments continue to be reported to the credit bureaus. Neither of us has ever had a single derogatory mark on our credit.

Documentation of the partial claim, and a printout of our payment history from Carrington, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-09-21 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: TX

Complaint narrative:
Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

This is grounds for removal and mo

netary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

Account Name XXXX XXXX XXXX Account Number XXXX Account charged off. {$5000.00} written off. {$5900.00} past due as of XX/XX/2022. 
account has no high balance XXXX XXXXXXXX Account Number XXXX Account has no high balance XXXX XXXX XXXXXXXX Account Number XXXX Date XXXX Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/2022. 


XXXXXXXX XXXX XXXX Account Number XXXX Wrong name wrong accont number A collection can not have a balance

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Ever since. I had XXXX in XXXX, other health issues have been causing problems with me paying. I have sometimes been able to at least make XXXX dollar payment which is under the limit. Victoria Secret Credit card company which is used by Comenity Bank first offered help if I had Covid ( I have documents from XXXX XXXX in mn confirming this ) about me being sick and then the further detestation of my health. However when I would call and ask about the help, agents. Would say that it wasnt true, even though I received letters and text messages saying they could. However this month every day I have anywhere from 5 or more calls from them daily including ones in a row which I know is against regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: PA

Complaint narrative:
Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. 
Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My name its XXXX XXXX this company whit the address XXXX XXXX XXXX have my record on collection I send a identity stolen report, i they cant help me I really need to someone help me this its not right they tell me the gon na help me and never get call for not body this its not my please cant some assist me whit this matter, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion HAS BEEN USING MY REPORT WITH OUT MY CONSENT This is grounds for removal and monetary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section XXXX : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 
XXXX XXXX  XXXX XXXX XXXX {$820.00} - - -No Data wrong account name wrong account number no high balance past due 30 past due 60 past due 90 Total Amount : {$6000.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX -No Data XXXX XXXX XXXX {$0.00} {$0.00} reported late payments during covid violation of cares act XXXX XXXX XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX -No Data wrong account name wrong account number past due 30 past due 60 past due 90 Total Amount : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX  XXXX {$1200.00} - - -No Data wrong account name wrong account number past due 30 no high balance Total Amount : {$4000.00} XXXX XXXX XXXX  XXXX {$290.00} - - -No Data wrong account name wrong account number XXXX XXXX {$510.00} - - - wrong account name wrong account number

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 2022-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached. 

The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived. 

The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To whom it may concern, I am writing a cease-and-desist letter to remove the following information from my credit report and stop reporting this on my credit report as a collection account. Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX Apartments. For over a year, Procollect failed to provide information or evidence that I owe XXXX Apartments. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX. 

As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination fee due to damages to the apartment from XXXX XXXX XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 

I request that XXXX XXXX XXXX, XXXX remove this from my credit file immediately. 

I appreciate your help, and I look forward to hearing from you. 

Sincerely,

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 2022-09-21 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: LEXISNEXIS
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MD

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX : {$0.00}

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