vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: AR

Complaint narrative:
In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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 reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received re investigation results of the account number XXXX back from EXPERIAN that were not in my favor. In EXPERIAN 's response to my CFPB complaint case number XXXX and XXXX. EXPERIAN stated that " XXXX XXXX XXXX BANK verified the account as reported. '' This let 's me know that EXPERIAN did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided EXPERIAN proof of my inaccurate credit report and EXPERIAN still chose to ignore this evidence. My new and updated credit report shows that XXXX has updated my payment history to " excellent '' yet EXPERIAN still have not updated this account information. It is my belief that EXPERIAN has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. EXPERIAN went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I had a monthly service with XXXX XXXX. On a specific occasion, I requested an add-on to my plan to allow for international data service. I then requested to have the add-on removed from my plan. XXXX nor myself were able to remove the feature due to an error message. Many different representatives at XXXX attempted to correct this but were not able to. Because of this, my phone bill continued to incur charges that amounted to a substantial amount of overage charges. I disputed this with XXXX after disconnecting my service with them, and they have referred my account to a collection agency, which is not allowing my dispute via XXXX credit agency to obtain written communications that occured between myself and several XXXX representatives.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This Credit Union of North Carolina State Employees to be exact is reporting old information. They have received the property back plus, charged off the account, and is still reporting on since XX/XX/2014. This account has been written off why is SECU violating me on this matter of still be compensated for an account that has been written off plus has received property back over 7 years ago. Please cease with the illegally furnishing allowing me to still lose on deals because of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-04-28 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that 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

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 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AP

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-04-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
From XXXX to XXXX of XXXX, i filed a dispute Experian and XXXX about the Unverified account XXXX  XXXX  account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO

Complaint narrative:
I received a postcard in the mail stating the following : " This letter is to notify you that within the past twelve months we have at least one report that added negative information to your NCTUE file. If you would like to receive a free disclosure copy of your NCTUE data report, please call toll free XXXX. This is the fastest way to obtain your NCTUE data report. This information may also be found online at www.nctue.com/colorado. '' When I called the phone number on the post card I was asked to enter my social security number! I hung up, went to the website, and called the customer service number listed there, at which point I was able to speak with a human, who proceeded to tell me that they send that post card to everyone and it is just for marketing! This is a ) false advertising by using false scare tactics and b ) potentially fraud, depending on what they planned to do with my social security number had I given it to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services was paid in full upon INITIAL notice DATED XX/XX/2022 of collection activity from XXXX XXXX for the amount of XXXX. I called on XX/XX/2022 and resolved the debt IN FULL and was told i resolved the matter timely and it would not be reported ... the outstanding amount was actually {$110.00} due to my previous arrangement with XXXX XXXX On XX/XX/2022, i recieved notification that my XXXX credit was falsley tagged with a collection account and today XX/XX/2022 XXXX  XXXX has been tagged with a collection account. This has all damage MY CREDIT! I expect tomorrow XXXX will also be hit with a collection. None of this activity should have EVER been reported and it needs to be removed ( DELETED ) immediatley!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TX

Complaint narrative:
For 2 years now I have been disputing the same information on my credit report & Equifax has ignored my many disputes. As a result I was just recently denied for another credit card that wouldve elevated my utilization & supplied me with the financial freedom in order to start my real estate company. Equifax continues to get away with violating the FCRA & I am close to filing a lawsuit with my federal court for willful negligence. Their malfeasance is inexcusable & needs to be punished

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: CA

Complaint narrative:
American Coradius International LLC contacted me on XX/XX/2022 to inform me they were attempting to collect some debt they alleged I owed. I informed them that I only wanted to be contacted via mail and did not want to receive calls from them any longer. I told them to expect a written response from me in the near future regarding the matter. 

Despite verbally telling them I did not want to receive calls I was again contacted XX/XX/2022. I spoke to the rep and told him that on the previous call that I did not want to be contacted via phone. The rep said that there were no notes on my account stating this. I asked the rep if calls were indeed recorded and he confirmed then hung up the phone. 

On XX/XX/2022 I received a THIRD call as I was rushing to catch a flight at the airport. Since the call came from a local area code I thought it was my assistant providing me important details I needed for my flight instead it was American Caradius International LLC calling yet again to try to collect this alleged debt from me. I spoke to the rep and asked her why I was being contacted after telling them TWICE already that I did not want to receive phone calls. She tells me that there were no notes on the account about this even though they claim they record phone calls. This is unacceptable and a clear violation of my rights. It is my understanding that debt collectors are prohibited from communicating with a person in connection with the collection of any debt through a medium of communication if the person has requested the debt collector not use that medium to communicate with the person. 

Prior to receiving the THIRD CALL I verbally stated TWICE that I did not want to be contacted by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX  Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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. I have notified XXXX, XXXX, & Equifax of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.

Company response to consumer: Closed with explanation