vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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  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 an account without my written instructions! ) US Bankruptcy Court, XXXX Fl XXXX # XXXX 2 ) XXXX XXXX XXXX. Amount XXXX 3 ) XXXX XXXX XXXX. Amount 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 2022-04-21 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: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX Last reported XXXX XXXX, 2022 {$9400.00} Open balance XXXX XXXX XXXX Original creditor This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Removal of late payments. 

XXXX  XXXX Removal of late payments or removal of the account. 

XXXX XXXX XXXX XXXX Removal of Account Entirely In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2022-04-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, Equifax Mortgage Service XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX 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 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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My address and phone number both changed. When trying to close the account, the bank would not let me change my address. In order to do that, I needed to be verified on my phone number, which I didn't have access to anymore. The only way the bank said I can close my account is either through mail in writing or by visiting a physical branch. I couldn't visit a physical branch due to being in a geographic area far from any physical branch. In addition, I can not do it in writing because I didn't know my account number. I could not be told my account number, and I also can not access my account number online because I forgot my password and can not reset it as my old bank merged with a new bank and the new bank does not have my old bank 's information. Also, because I'm unable to access my account online, I can not opt out of the " paperless billing fee ''

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Statewide Credit Services Corp.
State: NC

Complaint narrative:
Statewide Collection Services Corp. has contacted multiple times threatening to sue starting back from XX/XX/2021 mentioning a pending lawsuit. 

Statewide Collection Services Corp. has also stated myself and my husband have agreed to a one time payment with their company and we have not.

In addition, Statewide Collection Services Corp. collection agency has harassed me by calling me with aggression challenging me to argue via phone and have submitted deceitful credit inquiries on my and my husband 's credit reports monthly. Statewide Collection Services Corp. did not have a legitimate business reason or permissible purposes for a credit inquiry.

At this time, Statewide Credit Services Corp. has practiced abusive, deceitful, false and misleading debt collections practices.

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 2022-04-22 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: IN

Complaint narrative:
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C

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 2022-04-22 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OneMain Finance Corporation
State: IN

Complaint narrative:
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NY

Complaint narrative:
how can an account be late 90 days 11 times after it was closed on XX/XX/2018 and charged off XX/XX/2018 on a voluntary repossession THIS IS INACCURATE REPORTING

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 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent documented requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX requesting validation of this debt with my wet-signature where I have entered into an agreement with this company. This company is not able to nor have Midland Credit Management supplied me with any documentation where I have entered into an agreement or binding contract with them. 

The most recent bully tactic being used is a lawsuit threat dated XX/XX/XXXX for services I have never received from Midland Credit Management. I am being harassed for {$2200.00} worth of debt from this company and it is preventing my ability to gain credit because an egregious debt from Midland Credit Management is listed on all three of my credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
my mortgage co. is..freedom mortgage... i took a forebarance on my house for a year..i started paying on my house again afterwards..i never missed a payment befor or after the forbarance..i got my forbarance papers the first week of XXXX XXXX.they came with my ex wife name on them..i called freedom mortgage the same day to explain the papers were wrong..i was told they would redo them... i called every other week for months to see where they were..and then..early XXXX.im told they need the deed... i called my lawyer and he sent the deed to me and freedom mortgage..i also sent them... i called twice a month or more to get a update... then im told by freedom mortgage several times its not the right deed ... so in XXXX me and my lawyer have a 3way call with freedom mortgage... they finally agree the deed was correct..since then still nothing..they also tagged my credit as 180 days late ... my understanding is thats illegal to do that when im in forebarance or loss mitagation which i still am..i also recieved no less than 4 foreclosure notices on my house..freedom mortgage has told me not to worry about them..they even told me that on the 3way call with my lawyer..i feel that my rights have been violated and want this corrected immediatly..i still donot have my forebarance papers 10 months later..

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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
My mortgage is in foreclosure. Attorney has motioned for judgement on default. We have paid back all the payments we were behind. Over {$52000.00} the last two years. Gregory funding is asking for over {$22000.00} in back payments to re instate. No explanation as to why they are asking for so much. We completed everything they asked for in paying back our forbearance amount and was current through XX/XX/21. Their modification offer was for {$500.00} more a month than our original payment and we also have to pay our own homeowners insurance. Another {$180.00} per month. They will not work with us or explain why our reinstatement amount is so high

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( Capital One ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with Capital One. Very frustrating process, but I was able to pay off XXXX XXXX Capital One reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent Capital One a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Ok so I opened an account at truist-during a time where i was going thru some crypto scam and my account at XXXX XXXX XXXXXXXX had been compromised. Plus credit cards were being opened in my name by " someone ''. anyway i opened an account online w Truist and deposited {$10.00} then " someone '' deposited checks x 3 totaling around {$5500.00} and now I am responsible. I dont understand if these checks were cashed why were they when only {$10.00} in account? why were they cashed? I did not deposit these checks nor do i know who did but now I am somehow responsible for {$5500.00}. I just sent in a payment plan -- -bc basically i dont want it to go against my credit -- I value that too much and also its embarassing. I did file complaint w fraud but account was dismissed quickly -- at time i was going thru so much w XXXX  that i was exhausted w it all. Please advise. 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 explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: OH

Complaint narrative:
I reviewed my credit report and have discovered inaccurate personal information and several errors that must be immediately investigated., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX  XXXX  XXXX  ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me, but anything more than to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt, and HIPPA authorization. I have asked for 1.Please provide breakdown of fees including any collection costs and medical charges, 2. Provide a copy of my signature with the provider of service to release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 credit reporting has violated my privacy rights 15 U.S.C 1681 section 602a states that i have the right to privacy U.S.C. 1681 section604a scetion 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal consent i did not give transunion nor the following companies consent to furnish information, after multiple attempts transunion ignores my request for debt validation so i can follow up with compaines. these are not my accounts and need to be removed asap 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX inquiries_ 1 ) XXXX XXXX 2 ) dept of education 3 ) XXXX  4 ) XXXX XXXX  XXXX  ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX 9 ) XXXX 10 ) XXXX  11 ) XXXX 12 ) XXXX 13 ) XXXX 14 ) XXXX 15 ) XXXX 16 ) XXXXXXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX 19 ) 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 2022-04-22 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-22 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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