vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 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 non-monetary relief
Consumer complaint received 2022-12-11 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 acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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
Consumer complaint received 2022-12-11 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 acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX. I need XXXX XXXX XXXX XXXX  loan to paid due to corrupt court and I will never get court protection but retaliation from XXXX and Fed courts. 

XXXX. I have been asked to pay twice for property tax included. I have been billed for XXXX XXXX XXXX I paid in full property tax from XX/XX/XXXX to XXXX of {$3200.00} XXXX XXXX XXXX  Monthly statement from XX/XX/XXXX shows {$320.00} property tax when I have paid it in fuXXXX XXXX XXXX XXXX. Below that it shows shortage of {$99.00} XXXX XXXX XXXX. {$60000.00} was asked to pay by CA XXXX XXXX  now they are charging me short. CA XXXX XXXX  saying SLS should they contact CA XXXX XXXX for shortage. 

XXXX. XXXX dated attached had negative escrow amount of {$13000.00} property tax attached is {$3200.00} add {$13000.00} equals to {$16000.00} XXXX XXXX XXXX. Payment from {$60000.00} from CA XXXX XXXXXXXX shows {$17000.00} for property tax while as {$13000.00} plus {$3200.00} is {$16000.00}. XXXX XXXX XXXX. Since XX/XX/XXXX XXXX has not mailed single mortgage statement despite they have informed XXXX many times not to send mortgage statement to any other address. This is violation of XXXX. 

I need to pay off the loan asap without resolving of the above I can not pay 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 explanation
Consumer complaint received 2022-12-11 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 acct XXXX XXXX  has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened on XX/XX/2015. It is 7 years and 4 months old. This account has passed its limits and should be automatically removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from TransUnion stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.

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 2022-12-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from XXXX stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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 acct XXXX XXXX  has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-11 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 ACCT XXXX XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 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 15 U.S.C 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 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 2022-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I just received a copy of my consumer credit report and have found LVNV FUNDING LLC reporting on my consumer report for an amount of XXXX. I do not have a contract with LVNV FUNDING LLC, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with LVNV FUNDING LLC. This account needs to be immediately XXXX out and deleted from my consumer reports. LVNV FUNDING LLC has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If LVNV FUNDING LLC does not cease collections attempts and XXXX  out the balance LVNV FUNDING LLC will be charged XXXX for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KS

Complaint narrative:
I sent a notice of billing error dispute to Discover bank on XX/XX/2022. They received this via usps tracking and sent a signed return receipt back on XX/XX/2022. This notice stated that the entire balance at that time of {$15000.00} was disputed. According to 12 C.F.R. 1026.13 ( d ) ; 1 ) Collection action is prohibited, 2 ) Adverse credit reporting is prohibited, and 3 ) Acceleration of debt is prohibited. Discover reported adverse events to my credit reports and continued to accelerate the indebtedness of this account during this billing dispute. They responded with a packet of statements along with a letter saying they deemed the account valid. Discover has failed to provide documentary evidence of indebtedness as monthly statements do not lawfully or by agreement constitute evidence. Discover can not deem this account valid without such documentary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have not been provied QWR rpeort and I need full and entore QWR reaport. Since 2003 I have been asking this. I need this in15 days no eetension is allowed since I have been asking this since 2003

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 2022-12-11 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: OH

Complaint narrative:
According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Account : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX - XXXX 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 15 U.S.C 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 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 2022-12-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This account was opened on XX/XX/2015. It is 7 years and 4 months old. This account has passed its limits and should be automatically removed.

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 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I tried to schedule a payment for my Bjs XXXX XXXX that was due on XX/XX/2022, but the website was down. I contacted the company multiple times who assured me my payment was received and that my account was in good standing, but when I log in my account says past due. If I try to pay again the website will not let me as it has already been scheduled. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and they still have not resolved this issue, despite it being on the news that their websites are down and they are charging consumers fines when the technical issue is on their end. 

Any assistance would be greatly appreciated as I have never missed a payment and am always timely with bills. 

Thank you sincerely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I sent a billing dispute notice to CitiBank on XX/XX/2022. They received this notice via usps tracking and sent a stamped return receipt back on XXXX, XXXX, 2022. This notice stated that the entire balance at that time of {$9100.00} was in dispute. Citibank had 30 days to send a written notice saying they received this dispute. They failed to do so. Citibank also failed to send in any documentary evidence of indebtedness which is required by federal law to prove the account to be valid. As stated in 12 C.F.R. 1026.13 ( d ), the rules pending resolution of the billing dispute are as follows : 1 ) Collection action prohibited, 2 ) Adverse credit reporting prohibited, and 3 ) Acceleration of debt and restriction of account prohibited. Citibank has violated multiple of these listed, including reporting adverse events to the credit reporting agencies and accelerating the indebtedness of the 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 explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Outsource Group, Inc
State: LA

Complaint narrative:
There's two collection agencies trying to collect XXXX bills on my mother. Her name is XXXX XXXX XXXX. But the collection agencies are contacting me. And I'm telling them that this is not my XXXX bill this is my mother 's XXXX bill. And that they need to stop calling me. But I keep getting phone calls and text messages and voicemails left on my cell phone from both companies.

1. Medicredit Incorporation : I have been receiving phone calls from this company ever since XXXXXXXX XXXX XXXX about this bill for my mother. This is not my medical bill it is for my mother and I've informed them to remove me from their calling list and also not to contact me. They've also sent letters in the mail for this bill and I informed them of the information and even sent them a copy of my mother Insurance cars all three of them front and back and her ID but I keep getting phone calls from these people. 

XXXX. XXXX : This company here calls me and the voice messages as well as text me and leave voice messages as well I've been receiving calls from them since XX/XX/XXXX the last message that they call me on was on XX/XX/XXXX I've been receiving text messages from them since XX/XX/XXXX when I received the phone call in XXXX I informed them to please stop calling me if not I will take the next step which is necessary in reference to having them stop calling me concerning this collection. But unfortunately they do not inform me of what this collection is for so I'm not sure if this is a debt of which it is I owe or if this is one that's for my mother. But I did ask them to stop calling me and they are still calling me and texting me the last one was XX/XX/XXXXXXXX XXXX XXXX XXXX.

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

Complaint narrative:
Fraud has been reported on my account and Transunion will not take off the accounts even when i gave FCT and Police reports

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 2022-12-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent Portfolio Recovery Associates a letter to validate an alleged debt on my credit report. They responded with a simple statement, which is not meeting fdcpa guidelines to validate a debt. I sent them a follow up letter letting them know that unless they could sent me an original document showing my signature to this alleged debt they needed to cease and desist. The alleged debt has an address that is not mine. I have already filed a fraud identity theft with the FTC and also have filed a police report, and frozen all three bureaus. Hence the reason I am asking for a VALIDATION of this debt. 
Secondly, the statement they did send doesn't show any history on the account of payments or purchases or any interest or fees added. Also the Statute of Limitations on it expired. 
So please explain how they can NOT validate a debt that is also expired, and still try to damage my credit.

Company response to consumer: Closed with explanation