vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit debt collection keeps reopening my acct after closing. The debt collection was from XXXX. I disputed with XXXX XXXX and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my XXXX  and its been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX My mom 's mortgage has fallen into default and we are trying to work out a repayment plan or a deferment plan or modification that could help us keep our home and not have it be foreclosed on. At the SLS agent 's request we applied for XXXX XXXX Assistance but were only given the same options as listed in the last complaint a short-sale or deed-in-lieu to resolve the financial hardship and deferred payments created by XXXX. Additionally I spoke with an agent who suggested applying for mortgage assistance through the state which we did apply for but due to my mom being on a fixed income through social security XXXX we were denied mortgage and utility assistance which could have helped to bring the account current through the state of Georgia where we reside and where the property is. 

We believe firmly that we have an avoidable foreclosure and that the financial hardship we suffered during the pandemic should qualify us for additional retention options but when I ask the customer resolution agents they say they can't share information with us about the decision. 

Me and my XXXX mother don't have good credit, don't have much money now, and have been trying to get the mortgage in good standing but SLS has made it very hard at every turn. 

Additionally we were contacted by XXXX XXXX XXXX to have them represent us for their Hardship Compliance Program. I asked an SLS agent today if that would help and they said that it wouldn't help us and that those companies typically take the money and run. 

This complaint is for the reconsideration of loss prevention options and to escalate our request since there was no option to do so with SLS and resolve this to our mutual satisfaction through contacting SLS directly.

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 2023-01-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On or around XXXX XXXX I contacted Experian regarding their reporting of the XXXX XXXX XXXX account. Pursuant to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Experian is not respecting my right to privacy. Experian continues to report information that is excluded from my consumer report. On XX/XX/2023 Experian alleges the investigation is complete and my report was updated however I do not see any update to the report. I hereby request Experian to provide me a description of the procedure used to determine the accuracy and completeness of the information being reported by the furnisher. This description shall include and not be limited to the business name and address of any furnisher of the information contacted in connection with such information and the person whom they talked to along with the contact phone number of the individual. 
I have attached supporting documentation that shows XXXX XXXX XXXX states they are required by law to report my experiences and transactions with them however my contract shows NOTHING about reporting late payments to the credit reporting agencies. I have pointed that matter of fact out to Experian yet they are still " verifing '' the information as accurate. 
I never consented nor gave permission and was never afforded an opportunity to opt out to XXXX XXXX Services sharing my information with the credit reporting agencies. 
With evidence attached how can Experian lawfully continue to violate my consumer rights?

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an 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 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 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
The amount that's said to be owed is from the same company that has closed the account. Also due to covid I couldn't have paid this if infact it's mine, which I don't believe it is. I feel that it should be removed from my credit report Thank you for your time in this matter. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
On XX/XX/2022 when I was checking my Barclays VISA credit card account, I found that two unauthorized users had been added to my account fraudulently and both had made two purchases each charged to the account fraudulently. I had not authorized any new users to the account nor did I know either of the added users. I notified Barclays that these users were fraudulent and Barclays removed the one user and charges that were made but not the second user. The fraudulent users name that wasnt removed is XXXX XXXX. I do not know a person by this name and I did not authorize the person added to my account. This person had made two purchases on XX/XX/2022, XXXX XXXX for {$43.00} and XXXX for {$370.00}. Shortly after this date, someone changed the users name, password and mailing address to XXXX XXXX XXXX, XXXX, OH XXXX. At this point I was locked out of my account and Barclays would not remove the charges from the account. I have tried unsuccessfully many times since then to have Barclays remove the fraudulent charges but they refuse, saying a card had been used for the purchases. I did not travel to XXXX, OH in XXXX or anytime this year and the credit card has been in my possession since I received it. I have also reported this action to the XXXX XXXX XXXX XXXX. I request that Barclays remove the charges from my account and clear the delinquent postings on the credit reporting agencies.

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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXXXXXX XXXX debt collection keeps reopening my acct after closing. The debt collection was from carecredit. I disputed with care credit and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my carecredit and its been since 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 2023-01-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is willful non compliant when given the evidence of documentation of account not reporting accurate. i have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : XXXX ) XXXX account # XXXX, ( XXXX ) XXXX XXXX account # XXXX, ( XXXX ) discover bank account # XXXX, XXXX ) XXXX XXXX XXXX account XXXX XXXX what real person was the one that verified these accounts. What are their names? what extencion number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents did the get that they should share with me as evidence to back up their XXXX XXXX XXXX says to me that they do not have any record of the account at all. and that experian never contacted them???? so forth and so forth... Experian is in violation of the statue that clearly says they must follow the law. under Facta act i need to get a copy of the records in my hands.

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 2023-01-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: MA

Complaint narrative:
There is a fraudulent account reporting on my Experian credit report. The account is not mine. I have submitted a Federal Trade Commission ( FTC ) report and contacted Experian to dispute and remove the account from my credit report. Initially, they removed it. However, short after, they added the account back on my report and will not allow me to dispute to have the account removed. The same account was disputed and removed from both XXXX and XXXX without any issues. I am filing this complaint, to ask you to please help me have Experian dispute the account, remove and block this account from my credit report. 

The account name is XXXX. 
The amount charged off on the account is {$320.00}. 
The account open date is XX/XX/2019.

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 2023-01-25 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have explicitly violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$730.00} Account Status XXXX XXXX XXXXXXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} Account Status XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$6900.00} Account Status XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} Account Status XXXX XXXX : XX/XX/XXXX XXXX XXXX  Promotional Inquiry XX/XX/XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX. Direct to Consumer Report XX/XX/XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX Promotional Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX  Promotional Inquiry XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX. 
Original Creditor Name XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I disputed a collection on my XXXX on XXXX. The debt collector sent a letter with private medical information, no written consent for them to have this, so they violated XXXX. I dont feel it was investigated, as I also included proof that the was in 2016 and its being reported as a new debt. I didnt know of this debt because I was covered by Medicaid, but found out they had my information incorrect, so it didnt cover this debt. I cant contact the original debtor because they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVICES on behalf of XXXX XXXX Open Balance : {$960.00} Last reported XXXX XXXX XXXX  Opened : XX/XX/XXXX I am a victim of a natural disaster of XXXX XXXX. I received a threatening letter explaining that if this debt is not paid, my credit reports will be affected immediately. No way to contact this company except for email form. No representative of the company will return phones call or work with me in understanding this alleged debt. They sent the letter during a Florida state of emergency and will not explain anything without immediate payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I paid {$500.00} dollars for a camera that someone was selling on XXXX through XXXX on XX/XX/XXXX. He had sent me videos of the camera in real time and was showing me it and even showed a picture and video of him at the XXXX store to ship it. I sent him the money to his XXXX which was linked with his phone number and then he sent me a tracking number which turned out to be fake.

Company response to consumer: Closed with explanation