vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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:
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 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 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 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 2022-12-13 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 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 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 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 2022-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: LA

Complaint narrative:
GuaranteedRate sold my loan to a different company before I even made the first payment to them. They have messaged me 3 different times to tell me I haven't paid enough to escrow and I'll need to pay more. When I closed on the house, which was also delayed on 3 occasions, I started receiving spam mail constantly from them about their home insurance. At first it started as a small envelope but after 5 days they started to disguise the envelopes as important paper work just like a scam company would do. I used GuaranteedRate through the company I work for and they seemed great at first but I think it's mostly a scam company with an XXXX of great customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/2022 I received a call from my Point of Contact through LoanCare. XXXX XXXX stated that LoanCare has sent over the requested documentation to the state of California for mortgage relief. After speaking to California Mortgage Relief they havent received any information from LoanCare. I was told by XXXX XXXX that I need to make a decision today that its either the state or their forbearance offer. I have a letter stating that I have until XX/XX/2022. I have forwarded this case to the Public Inquiry Unit of the Attorney General of the State of California. PIU file # XXXX. LoanCare continues to break laws and guidelines continuously and now I am asking for the investor to be removed from the State of California.

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 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions LLC
State: NC

Complaint narrative:
Received notice that debt was owed by me without validating the debt. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXXXXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXXXXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX XXXX XXXXXXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX XXXX XXXXXXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXXXXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXXXXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXXXXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX XXXX XXXXXXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX XXXX XXXXXXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX  ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

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 2022-12-13 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: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to JXXXX XXXX XXXX XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX # XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX ACCT # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  ACCT # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX ACCT # XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX ACCT # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

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 2022-12-13 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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXXXXXX XXXX XXXX XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX  XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX  # XXXX should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX  XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

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 2022-12-13 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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NC

Complaint narrative:
Received notice from Revco Solutions about an account that had no information in reference to me. XXXX is in violation of the FCRA reporting standards as there was no validation that the debt is owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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: FL

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 Also violations of defamation of character Acct name : Department Of EducationXXXX Acct XXXX XXXX ( Dept of ED/XXXX  ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX, the Original Guarantor is DEPT ED/XXXX  XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and 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 non-monetary relief
Consumer complaint received 2022-12-13 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : Department Of EducationXXXX Acct XXXX XXXX ( Dept of ED/XXXX ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX, the Original Guarantor is DEPT EDXXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and 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 2022-12-13 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF ED/XXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Bankruptcy : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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