vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the following reported accounts have violated my rights : -XXXX  XXXX XXXX XXXX  XXXX -XXXX  XXXX XXXX -XXXX XXXX  XXXX XXXX XXXXXXXX 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 : Also states that 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 2022-06-13 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 Account # 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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: PA

Complaint narrative:
Dear XXXX XXXX I am responding to previous CFPB complaint XXXX, Allied Account services , Inc stated that the account was assigned for collections by the creditor of record, XXXX XXXX .I did not consent to have my non public personal information to be shared with any other company/agency/entity regarding the account that I had with XXXX XXXX I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information, As of today XX/XX/2022, I no longer give your company, its partners, and affiliates knowingly and unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have my personal information. I am a consumer and consumers have a right to privacy. Privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy you company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an " assignment of accounts '', chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only, which is what your company ( a debt collection agency ) is doing by demanding I owe an alleged debt, you were prohibited to take this account in the first place, but you decided to buy this alleged debt anyways. Therefore I am demand your company, its partners, and affiliates to have this account deleted from any CRAs you reported it to, for infringing my right of privacy within 10 business days and I prohibit your company from transferring this account to another debt collector. I am giving your company 30 days to update my request, cease furnishing my private information and cease and deist all communication unless it pertains to resolving this matter. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C. 1692e ( 3 ) which states '' The false representation or implication that any individual is an attorney or taht any communication is from any attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CO

Complaint narrative:
I received a call from Dynamic Recovery Solutions regarding a debt that never existed, that they possibly made up or are useing a stolen identity. They some how knew my Social security. The debt was from XXXX XXXX XXXX, I have never had a XXXX XXXX card and my Credit score is actually very good. Also read online that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I received an email from Southwest Recovery Services attempting to collect a debt amounting to {$950.00} allegedly owed to XXXX XXXX XXXX. I am a victim of a recent identiy theft, and this is for certain is not my account, and I do not have any knowledge of such balance owed to such creditor.

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 2022-06-13 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore Loan MGMT Ser and XXXX XXXX XXXX. My credit report is showing Rushmore Loan MGMT Ser and XXXX XXXX XXXX  XXXX both open XX/XX/. That information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid

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 2022-06-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
review attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: OK

Complaint narrative:
The original creditor was Discover. Due to financial hardship ( loss of jobs ), I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. 

When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. 

I didn't hear from them for quite a while until I became aware of a default judgment against me. They had served the renter of our property, and I never received the summons. 

Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. XXXX Account # XXXX has violated my rights. 

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

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

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I signed a notarized affidavit disputing the bank 's payment of a check. The notary was the supervisor of the XXXX XXXX XXXX XXXX center of Fulton Bank. The affidavit was submitted by e-mail or fax to the supervisor of the XXXX XXXX XXXX XXXX  center, where my Fulton account is located. Check XXXX for {$250.00} was written to the XXXX  XXXX XXXX on XX/XX/XXXX, but that bank never received it. When I requested a copy of the check, it was indicated that the bank paid it XX/XX/XXXX. It was endorsed by someone signing my name though it was payable to XXXX  XXXX XXXX. The endorsement looked nothing like my signature as payer. The supervisor of Fulton 's XXXX XXXX XXXX XXXX, XXXX XXXX, indicated it would be 5 or 6 months until my money would be returned. 

On XX/XX/XXXX, I wrote to XXXX XXXX requesting an update on my dispute. I supplied my mailing address, e-mail address and phone number but received no response. On XX/XX/XXXX, I wrote to CEO XXXX XXXX XXXX of Fulton Bank at the bank 's XXXX, XXXX headquarters to inform him that I thought I should receive better service from his bank.

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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fulton Bank upgraded their mortgage servicing platform XXXX of 2022. My regularly scheduled mortgage is drawn via XXXX on the first of every month and XXXX provided notice that this would only occur on the XXXX of XXXX due to this upgrade. Following the upgrade our regularly scheduled principal curtailment was not pulled as part of the XXXX on the XXXX of XXXX. We contacted Fulton and were told this would be an automatic payment the following week as the system finished being set up. The curtailment payment was not withdrawn via XXXX the following week as we were told. We again contacted Fulton Bank and requested they process this payment. We were told that they were unable to assist us with this and we would need to come in to sign an External account agreement form, which we had previously done 2 years ago. We asked to speak to a manager who stated they would process the curtailment payment. We stated multiple times that this curtailment was to be backdated to the 1st of the month to match the original payment. We were told this would be backdated. Once we received our statement for the month, the curtailment payment was not backdated to the first of the month. We have attempted to call Fulton Bank, for the 3rd time to resolve the on going issue, and waiting on the phone over XXXX minutes to be assisted in fixing this issue yet again. Fulton Bank and Fulton Mortgage have been nothing but a problem throughout the entire mortgage process. We will be removing all of our personal business with Fulton Bank after this even despite having been employed by Fulton Bank for over 6 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 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: MI

Complaint narrative:
XXXX XXXX in city unities {$1700.00} accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I called capital one customer service to inquire about my request for an increase on my capital one credit card limit which was denied, and I was informed by the office supervisor that my request was denied because delinquency was reported concerning payment on the credit card account. According to the supervisor, the decision to decline my request for an increase was based on a delinquency report they obtained from XXXX. I have always made payment amounts promptly and these payments were even above the minimum payment required by capital one. XXXX is in violation of the fair credit report Act in this case because my records clearly show that I have not been delinquent in making payments in my account with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Hi I am submitting this 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 n 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 im 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 2022-06-13 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: AL

Complaint narrative:
I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS 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 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 THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION

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 2022-06-13 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: AL

Complaint narrative:
I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX  last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a XXXX XXXX than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS 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 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  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION

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 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-06-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the following reported accounts have violated my rights : 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 : Also states that 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 explanation