vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: MI

Complaint narrative:
In accordance with the fair reporting act 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 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 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 non-monetary relief
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX, I paid off my balance of {$5200.00}. The merchant cancelled the transaction and refunded my money. This credit balance was sitting in my account and I called to get refunded. I was told that the refund request will have to be approved. I couldnt understand why my request would need to be approved. Its my money. I called again And was told the same thing. I insisted on talking to a manager. I was told by the manager that he would escalate the request. The balance, as of XX/XX/XXXX, is {$0.00}. Today is XX/XX/XXXX and I still do not have my money. In the meantime, they are profiting off my money.

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 monetary relief
Consumer complaint received 2022-05-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY

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 2022-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
XX/XX/26 XXXX XXXX I called Cedars and spoke to XXXX XXXX We reached an agreement with a settlement offer and she was asked specifically " If paid today how long it would be until it was deleted '' Her response was it would be removed, 30-60 days was her response based on the bureaus timeframe. When asked for a deletion letter she said they do not offer deletion letters but they can send a settled in full letter. Clarification was asked for and that is when it became apparent that they do not actually delete. XXXX claimed she " misunderstood '' what had been asked. 
If she had accepted payment after promising deletion that would have been accepting payment under false pretenses. I am very upset because I almost paid this to her and if I had it would have been based on her saying it would be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from Experian contact me about the status of my concern. Here are the items that I am trying to dispute XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing this in response to [ no letter/phone call ] I have not received as allowed under the fair Debt collection practice act ( FDCPA ) I am requesting that [ LVNV FUNDING ]. provide verification of this debt. PLEASE SEND THE FOLLOWING INFORMATION : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid l basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payment made since the last billing statement and the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. please only communicate with me in writing please note that withholding any information you received in an attempt to collect a debt complaint is a violation up til {$1000.00} dollars of the FDCPA Because you will be deceiving me after my writing request i request for documents of what you receive from the provider of services in connection with this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: Applied Business Services, Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-05-26 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: United PanAm Financial Corp.
State: NH

Complaint narrative:
XX/XX/2022 SENT CERTIFIED MAIL TO UNITED UATO CREDIT ( XXXX ) SIGNED FOR BY XXXX XXXX ON XX/XX/2022. REQUESTING DEBT VALIDATION LETTER XX/XX/2022 UNITED AUTO CREDIT RESPONDED TO THE DEBT VALIDATION, PROVIDED INFORMATION THAT DOES NOT MATCH REPORTED INFORMATION ON MY CREDIT REPORT. 

THE DISCREPANCIES INCLUDE, DATES OF CHARGE OFF, CONTINUED REPORTING ON CREDIT REPORT INACCURATED DATES AND AMOUNTS THAT THEY ARE ATTEMPTING TO COLLECT ON. 

ON THE CREIT REPORT THEY ARE REPORTING CLOSED, WITH ANOTHER BALANCE THAT IS NOT SHOWN ON THEIR VALIDATION INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these inquiries removed or have anyone from Equifax contact me about the status of my concern. Here are the inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items corrected or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / ( Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/XXXX ( Late 90 days XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$7200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$7500.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$3700.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-26 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-05-26 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this item to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this item corrected or have anyone from Equifax contact me about the status of my concern. Here is the item that I am trying to dispute : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2021 ( Late 30 days - XX/XX/2021 ) / ( Late 60 days - XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Freedom Mortgage Company
State: FL

Complaint narrative:
CARES ACT H.R.748 116th Congress ( Sec. 4021 ) If a furnisher of credit information provides an accommodation to a consumer affected by the COVID-19 outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current.

Provided accommodations ( i.e. waived late fees and forbearance ) 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  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 2022-05-26 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation