vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: TN

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

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : Account : # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 120 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX Account # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TN

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

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : Account : # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 120 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX Account # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 2022-06-08 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX and XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-08 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: NY

Complaint narrative:
I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXXXXXX XXXX XXXX- transunion reports last payment on XX/XX/XXXX and XXXX ( XXXX XXXX ) ; XXXX  reports last payment of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; XXXX  reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX XXXX 100 % paid on time with last payment on XX/XX/XXXX ; transunion reports XXXX late payments and last payment on XX/XX/XXXX ; XXXX  reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; transunion shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and XXXX reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. XXXX also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).

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 2022-06-08 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:
I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXX. XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; XXXX  reports last XXXX of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; experian reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; experian reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and experian reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. Experian also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).

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 2022-06-08 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: S & S Recovery, Inc.
State: TX

Complaint narrative:
I noticed a derogatory " paid collection '' by a predatory collections company by S & S Recovery out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that XXXX XXXX XXXX was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that S & S violated many FCRA and FDCPA laws and as a licensed private investigator, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. 

I never received a letter from S & S Recovery nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. S & S Recovery never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program. 

Also, the university was not physically opened during XXXX and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. 

I submitted a complaint by the CFPB portal against S & S along with a formal dispute via XXXX, yet S & S is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. 

This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: IL

Complaint narrative:
I have 2 previous addresses and 2 employers that are wrong and should be removed, I also have 2 accounts I was never late on as well. I have an account labeld charge off that is not correct. I want to validate 2 different accounts. And one account that says charge off that is incorrect

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 2022-06-08 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: IL

Complaint narrative:
Credit report was obtain without consent believed to be a identity theft. I am unable to resolve or dispute inquiries with the credit bureaus.

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 2022-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: FL

Complaint narrative:
on approximately XX/XX/2021 account begining with XXXX was reported on my account unaware at the time that said account was displayed on my report aprroximately XXXX oXXXX XXXX i received a letter from my bank that my information was leaked due to a data breach and need to review my credit report i thus began to review information that wasnt mine i then went for months and now years trying to reach this company left numberous voice mails, letters and emails and never have i recieved a response or any help i have submitted paperwork from the FTC XXXX police department and my lawyer and still no response i am fed up and XXXX stressed out my family has suffered due to this company negligence other companies have worked with me and were very helpful how come this company ignores my every requested please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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:
Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this. 

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXXXXXX.

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 2022-06-08 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:
In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX  Account # XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX  Account # XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXending Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX lending Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Less Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXX XXXX less Account # XXXX Repossession {$0.00} XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-08 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with 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 2022-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and Loan Partial Acct : XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-06-08 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX XXXX XXXX # XXXX*** # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  # XXXX # XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
As of today I was alerted that there's a new inquiry on my report from " XXXX XXXX '' when I googled that company it was a company that ran SS # for rental apartments. I am not looking for an apartment nor have I authorized any such activity. I am now afraid someone is using my ss #. 
I did not authorized XXXX XXXX to run my credit. This is fraud.

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 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Went to check on my credit report to find two debt collections mentioned. Wrote letters to both around Winter XXXX. One of the collections removed the mark but the other does not. I keep writing them letters asking for verification or proof that this debt is mine. Called twice as well and written a total of 6 letters over a period of 6 months. Each time they send back the same letter stating the amount of XXXX is due for an emergency room I can not find online. When I called they gave me a random date in XX/XX/XXXX and said I used my Car insurance. the only time I used my car insurance was back in XXXX and that was handled by insurance as I was hit by another driver. I have written to them that a complain would be submitted if they can't provide proof that this debt is mine, so that is where I'm at.

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 2022-06-08 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: NY

Complaint narrative:
Over last 6 months I disputed a collection with XXXX XXXX XXXX. I had requested a VALIDATION OF THIS DEBT to a response verified. It is obvious it was not investigated as I requested but simply put through the e-Oscar system. Per my rights, for a company to report I owe a debt they must show the credit agency upon request a original signed contract between me and them to deem valid. This obviously has not been done. 

XXXX and XXXX has deleted this account for failing validation. But transunion is not complying.

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