vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I sent a letter to Midland Credit Management asking for : 1-validation of the debt-that is, the actual accounting. 
2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B.

not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a line of credit of {$4000.00} from Synchrony Bank ( XXXX ). I used the card for purchase two years ago. I have been making payments, and the balance is remaining {$350.00}. Suddenly, synchrony bank drastically reduced the credit line from {$4000.00} - {$350.00} and reported that I have a new usage of 96.29 %, which is wrong. When you subtract the {$4000.00} - {$350.00} I owed, it should have been XXXX remaining on the card. Since Synchrony chose to reduce the credit limit, why did the bank report that I used 96.29 % of the credit limit? This kind of reporting is very unfair and deceitful. I want them to report the correct usage because it is very unfair. Besides, i contacted the Bank on XX/XX/22 at around XXXX central time, the customer service personnel refused to resolve the matter. I offered to talk to a manager, the representative Hung-up phone on me. I have attached the evidence of the report i collected from " XXXX '' herein.

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 2022-04-27 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: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I disputed the information via XXXX site 2-3 times. Says account is closed and no current payment being made. Account is very much open as I make payments every month. It was included in bankruptcy but not discharged! Kept in good standings. XXXX failed to verify any of it and says it's correct, when trying to upload proof to XXXX it will not work. Also contacted Reliable credit card asked for a payment history, nothing yet and it's been 2 weeks!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I sent a letter to Spring oaks XXXX  asking for : 1-validation of the debt-that is, the actual accounting.

2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. 
not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit system will NOT unfreeze my account although it says it is online. I cant get a XXXX acct because of this for months. After trying for months Experian DOES NOT have a way to get out of their support tree and talk to a representative to fix this problem. Im stuck and frustrated by this companies lack of support. How can I get help?????

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 2022-04-27 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-04-27 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Stellantis Financial Services US Corp.
State: AR

Complaint narrative:
First Investors Servicing Co. XXXX XXXX XXXX sold - XXXX XXXX In accordance with the FAIR CREDIT REPORTING ACT, First Investors Servicing Co. has violated my rights. 
15 USC 1681 section 6028 states I have the right to privacy. 
15 USC 1681 section 6048 section 2 also states a consumer reporting agency can not publish an account without my written instruction.

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This is the email I sent to Collector XXXX, Yet Have no get response from her yet Dear XXXX : Attached please find the attachments from XXXX XXXX and XXXX XXXX  As you can see before doing any procedures the provider will give you the detailed charge for the patient and insurance part. 
XXXX did not give me anything about the {$3000.00} charge for bone graft. the dentist told me that one tooth implant costs about {$200.00}, I should pay about {$1000.00}. the rest 50 % insurance will cover. 
If they can give me such details like XXXX XXXX and XXXX XXXX gave I will not do such a bone graft since the dentist told me the implant total cost is {$2000.00}.. 
Also if not I insisted on calling XXXX. XXXX will not pay such money one year later since the provider can not give the documentation XXXX asked for. 
If they can show me the detail charge about {$3000.00} for bone graft charge before procedure, and my acknowledgment ( I signed ) I definitely should pay the cost whatever they did I will also send response to CFPB Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
The three bureaus have for years removed this fraudulent account from my report but continuing let this company place this same collection onto my report I dont understand Im positive they can see in there notes they have removed this account numerous times it comes back and always damage my score Im asking that the three bureaus remove XXXX  XXXX from all three reports and never let them place it back! It has been proving not to be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Received a letter From XXXX collecting debt from a credit card company that an account was opened using my identity. I requested documentation XXXX XXXX  did not provide. XXXX XXXX 's letter states I will experience tax consequences which that language is unacceptable.

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 2022-04-27 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: AR

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # 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, public record bancruptcy XXXX, has violated my rights . 

15 U.S.C 16811 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 instruction s
.

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 2022-04-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account name 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MD

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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.

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 2022-04-27 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: AL

Complaint narrative:
Experian continues to report inaccurate information on my credit report. I finally got to speak to a representative named XXXX. She was very rude so I asked to speak to a supervisor. XXXX stated there was no supervisor available to address my problem. XXXX also refused to provide her last name or agent ID # so I could report her actions. 

The problem still remains that this is the only credit bureau who repeatedly violates the law and continues to report addresses that are not accurate. As stated previously, I received mail at my sister 's address but it is not my address. My sister is very private and was involved in identity theft before. She does not want her information published. 

I have reviewed my credit report and noticed there are multiple names and wrong addresses listed. All old addresses, names, and phone numbers should be removed. My current name is XXXX XXXX I live with a relative at XXXX XXXX This is not my own address and should not be on my credit report. My current phone number is XXXX In accordance with the Fair Credit Reporting Act 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 consent. I have not provided consent to publish my private personal information. All old addresses, names and phone numbers should be deleted accordingly.

I will proceed with filing additional complaints and taking legal action if this is not immediately corrected.

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 2022-04-27 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: MI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-27 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 XXXX Account # XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had my information compromised in several different breaches. Just to name a few ( XXXX ), my current phone provider, as well as ( XXXX ), which is my jobs service portal. During these breachs all my information exposed my full name. Date of birth, XXXX, and Driver Lincened #. Someone has applied for a card this month alone ( XXXX ) twice using my information. The first one was with Capital One, which I do currently bank with. However they applied for and credit card, the location of the fraud was in XXXX North Carolina. I city and stated that I do not reside in. The second attempt was with XXXX XXXX Bank. This attempt took place on XXXX XXXX, and was done online. I am a victim of identity theft, and I need this problem to be taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in 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 non-monetary relief
Consumer complaint received 2022-04-27 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: NJ

Complaint narrative:
I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
All of my Citi Bank Credit cards were closed by Citi last week for no reason. I have never received any communications from Citi regarding the closure, including any text, calls, emails, or mails. I only came to find it out when I log into my online account and discovered that all accounts were closed. I called Citi and talked to a manager, who told me that he can't tell me anything and he can't help at all. I have a total of XXXX thank you points that I can't redeem.

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