vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I have received notices about a strange address that kept being added to my credit report from a California property I have never lived at. I found out that my home address was changed to this California address and that it was done by CBE collections. After disputing and having the address deleted, CBE has attempted to add a false account to my credit file. XXXX deleted the collection within XXXX but XXXX has said it was verified. My dispute with XXXX is currently being processed. 

This collection added to my credit report is a violation of the FDCPA. The company CBE has never sent any bills or collections notices to me. I am unable to demand validation of this alleged debt because they have never contacted me or sent any documents to my home. I m allowed a XXXX period in which to dispute the validity of this debt. CBE did not notify me but instead changed my home address on my credit files and then added this collection, causing a XXXX point XXXX loss. It shows an account with XXXX. I dont have any accounts with XXXX and never authorized anyone to use my personal information to open a charter account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: U.S. BANCORP
State: IL

Complaint narrative:
Credit inquiry made without authorization

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 2022-04-24 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: CA

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 15 USC 1681. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/2022, the regulator for SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX, received a cease and desist letter from me. Stating to cease all communication directly and indirectly through any medium, including through my consumer report via the credit reporting agencies. SPRING OAKS CAPITAL LLC, still willfully choose to violate the FDCPA by still communicating and the GRAMM- LEACH BILEY ACT privacy rule by not ceasing the advertising of my non public information to the public through the credit reporting agencies to coerce payment from me on an alleged debt. As of XX/XX/2022, SPRING OAKS CAPITAL, failed to cease communication and continue to communicate with me through my consumer reports with the Credit reporting agencies. They are knowingly still violating 15 USC 1692 ( d ) ( 4 ) by still advertising my non public information and refusing to delete the account off my consumer report. They were given 15 days to pay invoice for damages, cease and remove the non public personal information and failed to do so. I am now a victim of there non compliance and aggravated identity theft. Also, they knowingly possess and are using my means of identification with the intent to EXTORT me of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: VA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and 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 Account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: VA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXXXXXX XXXX  Account # XXXX and 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 Account with out 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 2022-04-24 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: FL

Complaint narrative:
XXXX Mail letter to ARS Account Resolution Services asking for Original Documents baring my signature to release personal information. Company can't verify inaccurate information, but still reported to all three credit XXXX, XXXX XXXX, XXXX. XXXX has it on my credit report without Original documents baring my signature to release person information to ARS Account Resolution Services. This braking HIPPA LAW

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 2022-04-24 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 have been trying to resolve this issue since last year of 2021 in XXXX. And XXXX of 2021 no resolution. I did not authorize these inquiries. This company the only. Company that will give you a hard time regarding your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My credit report shows a hard inquiry from Bank of America on XX/XX/2022. 
I did not authorize this.

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 2022-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was acquiring a service from a vendor that required payment on Paypal. On XX/XX/XXXX, the vendor asked for a 50 % deposit corresponding to {$75.00}. After I made the payment, the vendor indicated that the money was on hold by Paypal and issued a refund to me. And demanded the {$150.00} full payment. I paid the {$150.00}, and the {$75.00} was never refused. Paypal doe not offer a dispute process, and when I reposted a problem, they closed my case, indicating the transaction was exemplary. The amount on the statement reflects as XXXX ( XXXX fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX USDOE/XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, US DEP ED XXXX, US DEP ED XXXX, ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX, USDOEXXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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 2022-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: ME

Complaint narrative:
Wasnt told told the interest or amount was expected to pay back. Took a {$1000.00} loan and wasnt told percent of rates and installments till after was given the money. Already paid back over {$2000.00} and they want {$2000.00} more. They not putting money on the loan just interest. Pay them {$270.00} twice a month for four months so far and no where near being caught up. Should be paid off by now. Want to end this loan and not effect my credit. Is a scam or should be illegal

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 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and I notice some unauthorized accounts and inquires I proceeded to contact the credit report agencies that was reporting the negative and false information but they did not remove the negative accounts and inquires.

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 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
on XX/XX/22, I sent a Conditional Acceptance letter to Navy Federal Credit Union in order to conditionally accept their offer. They have accepted my form of payment due to the fact that it has not been returned with a notice of dishonor and they have received the instrument as a credit on their books. They need to credit my account the same as I state in my conditional acceptance letter and rebut my proof of claims which they have also failed to do. Unless they can disprove my claims, the debt obligation is that of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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 have been trying to resolve this issue with this company for a year. No resolution. I did not authorize these inquiries. This company the only company that gives consumers a hard time. They need to be put out of business. They're hurting consumers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I am a protected consumer submitting this complaint on the record before possibly taking legal action. 

I have not been provided proof of any documentation proving I have given consent to release my medical or personal information to this company. 

Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.

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 2022-04-24 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: NM

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 15 USC 1681. 
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 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
It still on my credit report I been trying to get removed it been hard to start over because of identity Was stolen been try to file my taxes and get a new place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: TX

Complaint narrative:
We worked for months with cascade to get to closing. They used a bpo and undervalued the land i owned outright and then right before closing, they said we didn't qualify and declined the application. The second business day after declining us we were informed they had " changes to their tiers '' and we could move forward. Then we learned the day we got our closing disclosures that our rate went up a whole point and changed our monthly payments. We had a contract with the dealer and the home we ordered was ready so we felt we had no other option. I gifted my husband a specific dollar amount in property I just inherited 's equity for the down on the home. It was supposed to be the amount I gifted him that was used but they are trying to foreclose the whole thing. They have somehow eliminated my parents in the chain of title and the property description is not accurate and doesn't match my original deed. The county records for tax payments on the other home on the property show that cascade paid the taxes. They didn't and I have proof of my step dad paying it because that house is still in his name. We were unable to make payments due to loss of my job during the corona virus. We tried talking to them and filled out a loss mit application immediately after missing the first payment which they confirmed they received and would be in contact within 30 days. We have heard nothing about the app since then. I just received a letter dated XX/XX/XXXX to inform us that the property will be foreclosed and sold XX/XX/XXXX. The letter was mailed XX/XX/XXXX according to the envelopes. So they waited until the last minute so we couldn't do anything to stop it. There are multiple issues that are suspicious to us and we need some help before I lose the land where I grew up even tho it isn't even all mine to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Sold my car for parts, i dont owe anything in the XXXXXXXX XXXX you are crazy scam company

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 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I notice some unauthorized accounts and inquires I proceeded to contact the credit report agencies that was reporting the negative and false information but they did not remove the negative accounts and inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 that 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 2022-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had got a new phone number and was unable to add my new number to my account as it was associated with someone elses account, even though I had verified ownership. I was unable to access my account at all until they closed it and continue to give me generic responses about how they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was the victim of the XXXX data breach and my personal identifying information has been used to apply for and open several accounts which are not mine. 

I have identified the following accounts as not mine : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ending in XXXX I have completed a notice of identity theft with the Federal Trade Commission and have notified the credit bureaus. I have requested a fraud alert be added to my credit reports and have disputed the fraudulent information. 

Yet Experian continues to report the fraudulent accounts. I am doing my due diligence in working with the creditors and law enforcement yet Experian is disregarding my information and disputes.

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