vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: NJ

Complaint narrative:
I contacted XXXX and Experian regarding inaccurate reporting of 4 accounts. 
1. XXXX- 3 late payments reporting 2. XXXXXXXX XXXX- 5 late payments reporting 3. XXXXl XXXX - 6 late payments reporting XXXX. XXXX XXXX XXXX collection reporting The credit cards XXXX  XXXX XXXX and 2 XXXX  XXXX accounts. I spoke to several representatives about inaccurate reporting and invasion of privacy. According to 15 US Code 1681 it is the consumer reporting agencies grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Because they are being paid to report these derogatory items they are not reporting fair and accurately and have not fulfilled their duties to re-investigate requesting physical evidence but only accept the payment and re-using the initial documents these creditors send them while neglecting the law, my right to privacy and basically accepting these payments as bribes and extortion to hurt my name and credit score. Also, as per 15 US code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party meaning any financial transactions between me and any financial institution. The creditor is sending financial statements even after I have opt-out and exercised my right of non-disclosure and after speaking with both CRAs they refuse to comply to federal laws. I want these accounts updated to never late and paid on time as a resolution. 

XXXX XXXX XXXX- I have no business with this collection agency. They have not send any physical evidence such as a written contract between this business or me. there is no trilateral contract including this company between XXXX, myself, and them. Please have this account 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America had allowed my information to be obtained and used in California. The failed to give me my benefits in a timely manner during the pandemic. I was evicted when my power was disconnected during XX/XX/2020 because the froze my account for almost 5 months with no reason, or warning!! They are still sitting on my funds even after it had been confirmed my account was listed as an account take over. I have lost everything and everyone I love as a direct result of bank of Americas neglect! I have called and called. I have went into a bank of America branches where I was told they couldn't help me!! please help me get my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Applied for a loan with boa got pre approved then gave over XXXX in earnest deposit. After looking for a month. Never Heard from the loan person except one time to take my appraisal pmt. I thought I was getting document in right but then was giving a problem with the portal. The paperwork person XXXX and I spent one hour on the phone getting it all together the check went green we packed sent out XXXX on our XXXX rental only to be denied in the final hour. I have plenty of emails begging for information. We kept getting conflicting information to the point my husband transfer me to much money then they said I didnt have enough of my own assets. I am just a regular person I work for my money check to check these people have me homeless in a serious bind. I know it is my fault for thinking they would at least help guid me but XXXX XXXX advised me that is not their job and Im am out of XXXX and XXXX for inspection. Please contact me and explain how this is legal. The real estate company suggest I file this and are willing to give all emails. Please help me. We XXXX in rent I thought XXXX is so able. But i am considered a risk? Please contact me.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is misrepresenting me my character my credit worthiness, not to mention my reputation, they are reporting lies and violating my rights under 15 USC 1681 ( a ) ( 1 ) XXXX XXXX is stating they are not the correct company, They only report information from XXXX and Equifax. 
My score on Equifax is showing as XXXX, and at the same time the score on XXXX XXXX is showing as XXXX. 
How can XXXX XXXX state, Incorrect Company ( from the first time they received this complaint ). When they are reporting the wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this 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 n 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 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 2022-09-13 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am a XXXX combat vet who lives in XXXX XXXX and do come to Texas every 3-4 months to see XXXX XXXX XXXX I do have US creditors, but I can assure you that I did NOT apply for a credit card over this past weekend or in the last 3 months. 

On Sunday XX/XX/2022 " XXXX XXXX XXXX XXXX '' did a " hard inquiry '' on my credit report, which I have already disputed with the Credit Bureau. I am concerned that there was an identity theft attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
credit bureaus are reporting bankruptcy on my credit report without any proof that it belongs to me. i ask for verification and they refuse to provide any.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: OK

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-09-13 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XX/XX/2022, I received a credit monitoring from AD Astra Recovery. I immediately sent to AD Astra Recovery Services via Fax and certified mail dispute regarding the validity, inaccurate, and/or unverifiable/uncollectible balances reporting on my credit report. I asked that they cease and desist any further illegal collection activity and I was ignored. It is my belief that this debt is being reported unlawfully and something was not disclosed clearly and/or was misrepresented. 

I do not have any records to enclose regarding this debt to defend my request as nothing has been provided to date to substantiate why I owe this debt. I do not know the account number other than what is on my credit report ; I have never received any itemization of the current amounts reflected re : interest, fees, payments, and credits since the date of the reporting date of this debt. I also have not received any information regarding my debt collection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery is been calling twice daily for the past 4 years from different phone numbers, I have to blocked them. Tired of them for a Bill that someone stole an XXXX account and used and it was not me. I told them and they put it in my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY. 

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.

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 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
We received a call regarding a medical debt from collection agency : Medical Revenue Service / XXXX XXXX XXXXXXXX/ XXXX, FL XXXX. 
On the first call, the caller was polite ; asked if my spouse ( XXXX XXXX ) had received treatment at the XXXX XXXX XXXX XXXX, and stated there was a debt. [ approximately XX/XX/2022. ] We had received no notice of the debt from the hospital, no contact at all. I explained this to the bill collector and requested an itemized statement. We received Saturday [ XX/XX/2022 ] a statement from Medical Revenue Service which included no itemization and with my spouse 's name garbled. I mailed ( today! first available opportunity [ XX/XX/2022 ] ) a response with our intent to challenge the debt due to the lack of accurate information. Obviously, they have not received that ; we have not had time to make take any action of any kind. 
Today [ XX/XX/2022 ] -- obviously before action could have been taken -- I received a second call. This time the caller was less than polite. She responded with hostility to my statement that we were already mailing a statement of our intent to challenge the bill. She dismissed the name question as 'a typo ' ; she referred to the supposed 'contracted amount ' on a bill we have still never seen ; she appeared indifferent to our failure to receive an itemized bill. 
She characterized my entirely polite response as reflective of a 'bad attitude ' and used it as an excuse to claim my bad faith. SHE THREATENED TO CALL AGAIN to attempt to speak directly to my spouse ( not available for either call ). I DO NOT wish to receive any more of her phone calls ; I want information before we consider our proper course of action regarding the debt. 
I certainly do not find the failure to properly document the debt appropriate. I want an itemized account ; I want to know why a bill of over {$12000.00} was submitted to our insurance company for nothing more than 2 hours sitting in an emergency room and why we never received any contact regarding that bill until a third-part debt collection service was involved.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I keep receiving debt collection notices from XXXX XXXX XXXX for items that were paid. I even paid for two items twice. I called numerous times and send in my payment information. I received a notice back thanking me for doing the work to look up payments but that I still owed the money!! This is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count 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 explanation