vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 XXXX 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 explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX XXXX and Experian and they update as accurate please remove.

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 2022-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Community Loan LLC took over my mortgage from a transfer on XX/XX/XXXX from XXXX XXXX XXXX. My mortgage was in active forbearance and was current prior to this, no late payments or delinquent status. Upon the transfer, Community Loan marked my credit report for this account as currently 120-149 days past due. They then transferred my mortgage back to XXXX XXXX XX/XX/XXXX. XXXX XXXX then also began reporting my account as 120-149 days late but upon my dispute, XXXX XXXX corrected the error within hours. Community Loan confirmed the information was correct when I disputed with them. They refuse to remove the inaccurate mark of my account being past due. This is costing my dearly and causing me to be denied for lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 XXXX XXXX XXXX for 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 explanation
Consumer complaint received 2022-06-16 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX for 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 2022-06-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
I submitted a request for FULL VALIDATION of documents from GC services on alleged debt of which they only provided systematic VERIFICATION documentation. 

They did Not provide ALL actual validation documents as requested. Below is the Validation documentation missing. Below is what was originally requested : ****DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collection services placed this account on my credit but this account was already paid off to the original creditor XXXX insurance. XXXX stated that this account would be removed and not to worry. Credit Collection services did not remove the acct but instead updated as paid although I never made a payment to them I paid the original creditor directly. I called XXXX today who stated it should have been removed. They did not have a collection department to transfer me to so I told them id call the collection agency. They were rude and said they dont do removals regardless. I ended the conversation with I will filed a CFPB complaint have a good day. I told them both its either I owed the collection agency or the original creditor. If the debt had been given to the collection agency XXXX should no longer been able to collect on it. Since I was able to pay directly to XXXX that in turn violates law where there is the same debt in two different places and violates my consumer rights. Collection agency needs to delete the account completely because the debt was still with the original creditor who took the monies owed from me the consumer directly in lieu of them stating it had to be paid to the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 XXXX XXXX XXXX for 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MiraMed Revenue Group LLC
State: TX

Complaint narrative:
I received a letter from MiraMed Revenue Group regarding an alleged debt owed to XXXX XXXX XXXX. XXXX. To that end, I communicated in writing ( see attached ), regarding this inaccurate, erroneous, unverifiable entry. Miramed responded, see attached Please note, MiraMed 's letter is dated XX/XX/2022 ; however, the envelope containing the letter was sent XX/XX/2022, please see attached. This is very deceitful on their part, especially given the content of their letter states they will proceed with collection activity after the 10-day period. Please note, I am a XXXX consumer and receive Medicaid. All of my bills are covered and paid my Medicaid at 100 %. My disputes to this company were an effort for them to communicate with their client because I do not owe XXXX XXXXXXXX. Additionally, I requested they cease any and all collection efforts and return this alleged debt to XXXX XXXX. 

Their aggressive tactics to collect on this alleged owed debt continually cause me stress due to the fact that I know I am XXXX and my medical bills are fully covered. 

MiraMed has very detailed information about my treatment and medical care that violate my HIPPA rights. A third party company should not be privied to any information regarding care and services that are explicit to any medical conditions. Please see attached. This is illegal as information shared with third party collection agencies should be limited in nature and not explicit to the services so as to mitigate discrimination or bias. See attached whereby, MiraMed is clearly able to determine medical conditions. 

It is puzzling to say the least, that MiraMed can threathen to proceed with collection activity when they are at fault and wrong. MiraMed did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. MiraMed did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide the name and address of the bonding agent in case legal action becomes necessary. MiraMed blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates when they received the lettes of dispute, MiraMed should return this alleged debt to XXXX XXXX and remunerate me for the violations. 

Again, I am a XXXX consumer receiving XXXX benefits and Medicaid. I know my rights and I know that my insurance covers my bills at 100 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/2022 - I was notified by XXXX XXXX that a hard inquiry had been issued against my Equifax credit report from XXXX XXXXt - I did not authorize this inquiry and at this moment believed I was a victim of identity theft. 
XX/XX/2022 - Disputed the hard inquiry with Equifax via the online portal as well as placed fraud alerts on the other two reporting agencies. 
XX/XX/2022 - Received notification via email that Equifax had made a determination that the inquiry was " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' XX/XX/2022 - Called Equifax to request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 
XX/XX/2022 - Equifax told me that 1 ) They would not furnish this information, but would provide a copy of the credit file, the credit file does not tell me the steps they took to resolve the dispute, I had already received the credit file via email with the notification of the resolution of the dispute. 
2 ) I could not dispute Hard Inquiries XX/XX/2022 - I asked Equifax several times if the call was being recorded, it is my belief that I am a victim of identity theft and I did not authorize this inquiry and that if something is going to be placed on my credit report that impacts my credit worthiness I am legally allowed to dispute that and that the response to the dispute say I can request the steps taken to come to the determination. The Equifax supervisor ( XXXX ) insisted that hard inquiries could not be disputed. 
XX/XX/2022 - Sent a formal dispute to XXXX XXXX, including a copy of my credit file, requesting they prove the validity of the claim, including date and location of credit request and if completed electronically the I.P address and physical location of the IP address, again insisting that I have been a victim of identity theft. 


It should be noted that Equifax was notified of the un-authorized transaction the same day I was notified XX/XX/2022, however it only took them 3 business days to complete their investigation and they advised me it would take 7-10 days to send me another copy of my credit file. I'm not sure how they could possibly conduct a thorough investigation when the reporting agency did not report a phone number and all there correspondence would have had to be via mail. Equifax was able to send their requests and receive them back in 3 days, however as a consumer who has had their identity stolen with an inquiry that is impacting there credit score they best they can do is 7-10. days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Celsius US Holding LLC
State: MI

Complaint narrative:
I am a customer with Clesius, the crypto currency exchange that recently froze withdrawals. I had no loan products and only bought a stablecoin, USDC, which is pegged to the US dollar and has not been depegged. Celsius misled me when I deposited approximately {$5000.00} USD into their exchange with the promise that it could be withdrawn at will. My most recent balance is approximately {$5300.00} USDC. Attached is a recent spreadsheet of my account transactions from Celsius for proof of funds.

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 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with transunion XXXX and XXXX and they update as accurate please remove.

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 2022-06-16 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: PA

Complaint narrative:
I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX equifax and XXXX and they update as accurate please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I should be included in the Navient private loan forgiveness program. I attended XXXX XXXX XXXX XXXX XXXX Indiana in XXXX. I was behind on my loans multiple times prior to XX/XX/ XXXX I was even in default from XXXX and making payments to a different company. I was told I did not qualify. I meet all the criteria which are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To apply for credit I am askled to verify information shown on the credit bureau records. I don't know which of 3 they are using. This has been going on for many years. They are using information from someone with the same first and last name but a different middle initial. Over the years I have been able to have his credit cards etc. removed from record but nothing else. I was asked about his wife and son 's ages as well as where he went to school, the school mascot and the name of the State where he owns another property. I can not possibly answer these questions. Over the years I just accepted the fact there is nothing I could do and maybe that will just have to follow me the rest of my life. I will take any suggestions. I know the other persons name but I guess that is of no value.

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 2022-06-16 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  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 explanation