vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
Today on XX/XX/XXXX I received a letter from United Collections Bureau , INC. Address XXXX XXXX XXXX, XXXX, OH XXXX. 
Account number : XXXX Reference number XXXX Contact number : XXXX They are stating I was unsuccessful in making a payment with XXXX XXXX XXXX. This debt was currently being debated with the hospital due to improper care and error made during a procedure that caused me physical harm. My patient advocate is XXXX XXXX. 

This creditor has taken a debt that the balance of the debt was only XXXX dollars and now has sent me a collection notice for XXXX. This is against the law according to Proposition 209, the predatory debt collection protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I purchased carpet for the XXXX XXXX in XXXX of XXXX. The carpet was installed incorrectly and without the padding that was ordered was not installed. Instead, the carpet was installed directly over the concrete. I attempted to settle the issue with XXXX XXXX XXXX in XX/XX/XXXX but was unable to get a refund. I then disputed the charge with Chase bank and a credit was issued. Due to the contractor forging my signature on a completion document, the bank had initially sided with the merchant. The dispute was re-opened in XXXX of XXXX and the charge was canceled. On XXXX XXXX the charge was reapplied to my card and I am now unable to get a straight answer on how this happened. I have gone into a branch and they were not able to assist me either. 

I have attached a letter from a competing carpet company that explains the issues with the carpet installation, Along with a letter that I sent to the dispute department on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going through my credit reports ( XXXX, XXXX, and XXXX ) and I'm just wanting to request that the late payments be updated as on time payments. To be perfectly transparent, I recently got a divorce and my ex-husband was in charge of the accounts. I noticed afterwards that he missed some payments during the divorce preceding 's. I'm just trying to start this new part of my life over and these late payments are hindering my ability to move on. If you look through my credit report, I have been making my payments on time regularly up until recently. 
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 XXXXXXXX Also, there are some addresses that I've never lived at that I seen on my credit report and I request them to be deleted also please. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
These accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor. 
The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: RI

Complaint narrative:
On XX/XX/2023 I file a dispute to resolve 2 accounts on my credit report that have negative information. Both accounts have been paid and satisfied in full. Equifax and others still has the accounts showing as a charge off, and will not remove the payment history of the closed accounts. Resulting my credit report to have negative information and a negative impact, instead of listing the accounts as paid in full. This information has stopped me from utilizing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act 15USC 1681 section 602 states I have the rights to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I fell behind on my mortgage payments. I called, emailed and mailed letters to the servicer for XXXX XXXX XXXX XXXX XXXX I applied for a loan modification 3-4 times in XXXX, I was denied 4 times for NPV. I appealed the decision and was granted a temp loan modification. I noticed that the Temp loan modification payment was very high, I assumed this was part pf the plan to get me caught up considering I had paid the servicer {$24000.00}, prior to being denied for the first 4 loan modification. I paid the 3 Temp loan payments that were {$4700.00} per month, which was not and is not my loan payment amount. On XX/XX/XXXX a loan packet was left on my porch, reviewing the detail the packet says I had until XX/XX/XXXX to return the documents, which made no sense to me seeing that I didnt receive them until late XX/XX/XXXX and they were left on my porch. how does this company give less then 1 week to return documents After reviewing the detail my fear was correct the loan payment increased significantly, I then noticed that the reason for the huge increase was because my loan that was good until XXXX, now says its due in XXXX, 10 years were removed from my loan. This is not a loan modification at all, so I called and spoke several agents who also cited this must be an error why would we remove the 10 years. I sent in 4 letters asking for clarification to be told in writing that this was not a mistake this is my new modification I respectfully declined the offer and asked for a manager via a phone call. 
Based on my research and in the servicers site it says that loan payments can be moved out to help the borrower stay in the home why am I being targeted with a huge increase due to this grotesque increase I am unable to afford my home. The payment increased by {$1400.00} so instead of paying what should be {$3100.00} or less the payment is now {$4700.00}, I am a retired XXXX year old senior citizen. I ask how is this a loan modification to help borrower by accelerating the payments. I am asking for a correct loan modification that is feasible and reasonable. My request has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MD

Complaint narrative:
I have not been notified about either letter I sent, one to remove old and inaccurate names, addresses and phone numbers and the other to investigate inaccurate collections accounts. No disputes open and no action taken. The letters were sent XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have received correspondence from XXXX XXXX XXXX XXXX that I owed a former landlord for unpaid rent. The amount was claimed to be from a residency that ended in XXXX, XXXX. I had sued the former landlord in XXXX for negligence that occurred during that tenancy. This case was settled in mid XXXX and I recovered the settlement from the former landlord. The former landlord, in addition to paying me, also signed a mutual release of liability. I continued to receive correspondence concerning a now non-existent debt. XXXX XXXX never confirmed the validity of the claimed debt and has continuously and intentionally inflicted serious and grievous damage to my credit thereby damaging my ability to secure credit and causing me to pay dramatically increased interest rates for the credit I did receive. All of the actions and failures of XXXX XXXX are direct and unambiguous violations of the Federal Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Kikoff Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 6048 section 2 it also consumer reporting agency can not without my way and instructions under 15 USC 1666V payment on a credit card account under an open end consumer credit plan for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: PA

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 Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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 2023-03-11 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2023-03-11 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: TX

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

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Company is Reporting debt under {$500.00}. As per H.R.2537 - Consumer Protection for Medical Debt Collections Act medical debt under {$500.00} will not be listed on credit report. Company has failed to validate debt and provide with my signature agreeing to pay this debt as per multiple requests in XXXX of XXXX. 
Debt is also past the statute of limitations to collect or report as per Virginia State law which is 5 years on any contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I am a XXXX  ( XXXX ) in the XXXX XXXX XXXX and throughout my career have never had an issue when it comes to being activated and requesting coverage under the Servicemembers Civil Relief Act ( SCRA ) until recently. On XX/XX/2022, I submitted a request to XXXX XXXX XXXX, who owns my vehicle loan, requesting SCRA coverage due to my activation and receiving a copy of my deployment orders. Flagship sent me a letter in the mail a few weeks later saying I was not eligible. I called the bank in XX/XX/XXXX to inquire as to why I was not eligible and the customer service rep told me I was not eligible when they ran my name through the system they use to verify eligibility. I explained I am not sure why it would say that, and referenced the copy of my orders I submitted to them for reference, proof of my eligibility. I decided to call back at another time, hoping to speak with someone who would be more knowledgeable about the SCRA  coverage for military members. I called back a few weeks later in XX/XX/XXXX, and again was told I was not eligible and needed to get a letter from my commander proving I am eligible. I called the base legal office asking for further guidance and was told to file a complaint since this is a direct violation of the SCRA act, and in the meantime they will assist me with drafting up a letter to have my commander sign to send to the financial institution. The XXXX I spoke with, said this is rare any business would push back when it comes to SCRA. I am submitting this complaint in hopes other service members do not give up if any financial institution pushes back against the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: PA

Complaint narrative:
In XX/XX/XXXX  I requested that 3 collections be investigated and removed from my credit report after requesting the accounts be investigated. I have not heard anything regarding these accounts and they continue to hurt my credit worthiness.The accounts are below. 

XXXX XXXX- XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-11 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: PA

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 Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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 2023-03-11 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: PA

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 Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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 explanation
Consumer complaint received 2023-03-11 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: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
I have no knowledge of this account

Company response to consumer: Closed with explanation