vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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 with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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.

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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional acceptance still have on my credit showing late for 60 days but PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE.

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 2022-05-04 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: MD

Complaint narrative:
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXX XXXX  DELAWARE Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS

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 2022-05-04 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: MD

Complaint narrative:
XXXX Potentially negative Date opened XX/XX/XXXX XXXX. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXX XXXX  DELAWARE Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXX & CO Under dispute Date opened XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}

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 2022-05-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a {$50.00} gift card for my birthday that was purchased at XXXX by my mother-in-law on XX/XX/2022. When I went to check the balance of the card on XX/XX/2022, there was a {$49.00} charge from XXXX on XX/XX/2022 that I did not make. I called the customer care number to report the fraudulant charge. The person I spoke with told me in order to start a case, they will need to know information that I was uncomfortable giving out. They wanted to know my name and then asked me for my birthdate. That's when I felt uncomfortable and ended the phone call. I did not see the need for them to know my birthdate and felt like they were going to try and acquire more personal information from me in order to engage in more criminal activity. 
The website to check the balance of the card is XXXX. The number I called for customer service is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, VIA THE XXXX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS XXXX, EXPERIAN AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
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 2022-05-04 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: OH

Complaint narrative:
XXXX XXXX has over charged me for XXXX XXXX bucks for a account that already been closed

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 2022-05-04 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services, LLC has failed to abide by the Fair Credit Reporting Act and the Florida Consumer Collection Protection Act. I have never receive any communications prior to requesting a debt validation after finding out that they keep reporting an account on my Credit Report almost every month to keep it active and decreasing my score month after month. When I contacted them by certified Mail which was delivered on XX/XX/2022 at the address they had provided to the Credit Bureaus requesting information to validate the debt and for them to provided me a statement of such they refuse to provide such information and just send a brief letter attached with a balance for one account under supposedly my name and another of a minor. I decided to call them today XX/XX/2022 at XXXX XXXX  EST and spoke to someone name XXXX XXXX XXXX XXXX, I was courteous and explained to her I wanted information to validate and verify such debt as I have been in contact with the provider them claim and they assured me there is no pending debts or balances this person claimed they had mailed the information when in fact they did not as they only sent a single page letter and that supposedly they do not represent accounts of minors which is a lie according to what they sent, when I pointed this information to her she became hostile rude and hung up the phone on me. Per the federal and state law they had failed to validate such them and they must remove the collections from my credit report no later than XX/XX/2022 ( 30 days after they receive my letter ). Also the account numbers they sent do not match the account numbers reported on my credit report.

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 2022-05-04 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: LA

Complaint narrative:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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 2022-05-04 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: MN

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights.

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out 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 2022-05-04 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: MN

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -XXXX XXXX XXXX  XXXX Account # XXXX -XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX have violated my rights as a consumer.

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent

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 2022-05-04 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}

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 2022-05-04 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: AZ

Complaint narrative:
XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX I sent and contacted Financial Assistance and advised them that the accounts they are reporting on my credit report. I sent a theft affidavit to the credit bureau 's and to financial assistance advising them that this was not my account. Each time Financial Assistance is saying that the account is mine but I advised them that I had XXXX during the time my identity was stolen and this account was opened. I have done everything on my part by sending them the report letting them know this account is fraud and they are still reporting it. I was told to contact XXXX XXXX and XXXX XXXX informed me to call Financial Assistance at this point this I just need one of the companies to resolve this. I have never had a account or accounts with this company. Someone stole my identity and opened up my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation