vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
I have called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.

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 2022-04-12 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: NJ

Complaint narrative:
I previously filed a complaint and you Consumer financial protection bureau didnt file my complaint because you think someone other then me filed this complaint I attached proof of your letter I received though the mail. Please once again remove this account that was fraudulently obtain in my name next step will be a law suit please submitted my inquiry for a investigation on this account thanks again.

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 2022-04-12 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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 2022-04-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, paragon rev acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-12 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: The Outsource Group, Inc
State: NC

Complaint narrative:
On XX/XX/2022 I saw a collections that had been added to my credit reports XXXX, XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I've disputed the account numberous of times and XXXX and XXXX states account is verified. I've also asked XXXX and XXXX to prove to me how was it verified. Neither bureau was able to disclose to me what methods they took to verify that the account is accurate. 

My consumer rights are being violated. The inaccurate information that is reporting on my accoun is unfair and unequitable pursuant to to 15 USC 1681 ( a ) ( 4 ) I've attached a report from XXXX indicating that this accoun has already been removed from my profile. 

I demand removal of this inaccurate account reporting on my profile. Remove account XXXX from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
To the CFPB I lost my income in XXXX since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband XXXX XXXXXXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is Portfolio Recovery Associates LLC and XXXX XXXX. that's why I want to file a complaint against XXXX XXXX and Portfolio Recovery Associates llc for their joint effort of Harassment and continued collection and illegal activity. XXXX XXXX and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
Exter financial after I contacted them about a XXXX problem in my XXXX XXXX XXXX all they did was kept placing me on hold and phone space! I research recalls on that year XXXX  after I was driving and my XXXX would not steer brake when I was coming up to a turn and stlop light at the end of XXXX XXXX XXXX .I went head on into rush hour traffic and hit a XXXX XXXX truck the driver stated to the officer he was wrenching on the steering wheel and XXXX XXXX standing up to get the truck to brake and his face told it all he looked scared and his eyes where big as saucers. I did not get a ticket but I reported it to exter financial and they just blew me off came took the vehicle and still charging me the whole loan after it being repossessed volunteering this is very unprofessional and wrong... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 submitted a dispute with the XXXX credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I have disputed this account as it is not mine. I have not applied to this company and asked what information is there to show it is my debt. Where were these funds deposited?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Still have one fraudulent hard inquires on my frozen credit made by XXXX and no other details. 
The company jumped from " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. '' straight to " We hope this resolves your concerns. '' without any mention of resolution. Is that the work of a robot or incompetent employee? Anyways, 2 out of 3 fraudulent hard inquires on my frozen credit have been removed. The left the most vague one which is XXXX. Don't know what bank that is or how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-12 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: Westlake Services, LLC
State: MO

Complaint narrative:
My credit was ran several times without my knowledge

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 2022-04-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, have 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 an 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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY
State: TX

Complaint narrative:
I refinanced a property with Interfirst. Loan only, no escrow. Made XXXX payment and then they sold it to another firm, also called Interfirst ( but the loan number changed ). Once I had made a payment, I set up online access and checked my account. I found I had a past due amount of {$2400.00}. I called to complain, and eventually they discovered that my mortgage had incorrectly been flagged as escrow, so they had sent a check for {$2400.00} to my property insurance company. Once they realized it, they called that a balance due and wanted me to send them a check in the same amount to cover it. ( But one person there, in their insurance department, said that the escrow flag had subsequently been removed, so if I sent the check they wouldn't be able to handle it, and would just apply it to principal ). Another person said, no, send the check- it'll be fine. So I sent the check on XX/XX/22 and they cashed it on XX/XX/22 ( see attached ). Today I received a statement ( attached ) showing a past due balance of {$2400.00}, and indeed, the XXXX I sent them had been applied to my principal. They are generally incompetent, in my experience. I want them to apply the payment I sent them to the past due balance that they caused me to have through their own incompetence.

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 2022-04-12 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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 2022-04-12 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 filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reportin

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
This Speedy Cash Loan Was Supposedly to Have Been Granted On XX/XX/2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I received what current information from The Collection Agency following an update from My Credit Report. Someone also recently had a Fake account in my name with The XXXX XXXX XXXX As Well Tht I had to recently get closed. Ive frozen my credit account in XXXX due to Suspicious activity concerning fraud & someone constantly trying to get accounts & loans in my name. I attached a letter from The XXXX XXXX In Proof that Im Having this current issue with ID Theft. Theres Been Several Attempts, Ive Attached Those As Well, Someone Ever Attempted To Change My Mailing Address. Ive Never Owned Or Had A Email Address Other Than My Primary & Only Address Which I Have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! Transunion sent me a letter that had nothing to do with the disputes claiming it was someone else.

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 2022-04-12 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 submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AR

Complaint narrative:
XXXX dollars were taken out by us bank with no authorization for the funds to be transferred into another account. 
Us bank is now telling me that it will take 10 business days for them to review my dispute and determine whether or not I will get my funds back.

This is totally unacceptable, they pulled the funds without authorization and now I have to wait to get my funds back. Where I come from that is theft...

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 2022-04-12 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX FIaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXXaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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