vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: AR

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # 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, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX  XXXX , XXXX/XXXX  XXXX, XXXX  XXXX XXXX  XXXX , XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX  XXXX, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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 2022-04-27 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It 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
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
Someone used my Social Security number my name and my address trying to open a bank account at XXXX  XXXX XXXX. I do not use XXXX  XXXX XXXX Ive been using the same bank since I was XXXX I want this to stop I want the person using my identity to be found and jailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
the bank tells us to use XXXX to make payments, they do not tell us that we have ZERO protection, no way to trace the money, no help from them if there is fraud. i got scammed for {$350.00} and the bank says so sad too bad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MI

Complaint narrative:
There are multiple closed accounts on my credit report which are XXXX, XXXX, XXXX, XXXX and even XXXX XXXX XXXX which are closed out. Most are from Nelnet and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Servicer - Select Portfolio Servicing loan Number XXXX I only borrowed XXXX according to my mortgage. The bank says I owe them XXXX. I made payments for at least 10 years. I asked for my entire payment history and they said they can only go back 2-3 years. I am trying to determine why the balance is so high. they refuse to send me my entire payment history and explain why the balance is so high. 

Now the servicer tells me I do not qualify for a short sale or a loan modification. 

now SPS is foreclosing on the home. I was in a XXXX protected area and they still proceeded with the foreclosure and SPS never explained why or provided the entire payment history as to why the balance was so high. 


SPS failure to provide document copies to me regarding fees that are grossly inflating balance owing on mortgage as well as SPS failing to give consideration to the Short sale offer presented and rather stating it was in review for 3 weeks. Their Ombudsman Dept gave us conflicting information in XXXX separate conversations ; first Ombudsman stated prior to the sheriff sale date that I was ineligible for short sale consideration as I needed at minimum 37 days prior to a sheriffs sale to be reviewed and now I had only a week. Second Ombudsman post sheriff sale said that a short sale will not be given consideration because the sheriffs sale occurred and if I had actually provided the short sale offer even days prior to the sheriff sale it would have been considered. 

I provided several offer months prior to a sale date and also provided an offer a week before the sale date. If what I was told by the ombudsman department was true I did qualify for a short sale before the sale occurred. also when searching the legal news they did not advertise properly and went forward with the sale even though I was in a protected area by XXXX not to go to sale Can some Please assist me with this matter Thank You XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 USC 1681 Section 604 A. 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 2022-04-27 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Tried to get Bill consolidation from the lawyers that brought the case from XXXX XXXX XXXX but kept giving false documents and different deficiency balance. It is showing up on my credit report as XXXX XXXX XXXX balance is not XXXX its XXXX is what I was told by the lawyers that brought the debt XXXX XXXX XXXX! I have false documents and a fake warrant that they created from XXXX when the car was repossessed in XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

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

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 : Its 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 2022-04-27 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: TX

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

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 : Its 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX was hospitalized in a XXXX XXXX  and the clinic, XXXX XXXX XXXX incorrectly billed XXXX insurance. The resulting incorrect bill was disputed by insurance and we, the individual seen, were sent a bill for an incorrect ending amount for {$320.00}. We took steps to contact the clinic and were assured that they would pause the account. 

In the summer of XXXX while insurance was still working through the error with the clinic, this bill was sent to collections in the amount of {$340.00} to the A-1 collection agency in XXXX XXXX XXXX. We contacted the agency and let them know this was a bill under review and was incorrect. 

Regardless, the amount sent to collections has been show. As a delinquent report and is showing up as q Derogatory Account by the collection agency, even though the account is shown as current. The clinic noted bad debt recovery on XX/XX/XXXX as we continued to work with them on the correct billing amount. 

We want it to be know that we have had a mortgage impacted by this bad debt the bad debt was incorrectly submitted to collections and then continues to be listed as active. We are taking steps to mitigate this with credit bureaus but this is unacceptable given this all started with a billing mistake on the part of XXXX XXXX XXXX. 

The account references are : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is useless

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