vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: TX

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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 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 explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-10-25 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-10-25 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting Act, Comenity Bank/XXXX  ( Account number ending in XXXX ), has violated my rights Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Improper Late payment reported on XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I notified mortgage company XX/XX/2021 that the taxes have not been paid on several properties and I was at risk of loosing a tenant due to this being behind, taxes are due on XX/XX/2021. I notified the company several times after that I was at risk of loosing a tenant and the taxes needed to be paid asap. Taxes were not paid and I personally made the payment on XX/XX/2021. Weeks later company sent a check to make this payment after I informed them I personally make this payment and requested that they refund this amount to my escrow account. To date they have not refunded XXXX i personally paid for taxes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc.
State: KS

Complaint narrative:
First contact with debt collector was XX/XX/XXXX. Received XXXX letter dated XX/XX/XXXX. This is the first and only written communication the company has made. The letter is missing the following information : 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: SC

Complaint narrative:
I was reviewing my consumer reports for accuracy and recognized multiple errors. I am due for compensation in accordance with 15 USC 1692k. I closed my account around XX/XX/XXXX due to learning that Self Financial and XXXXXXXX XXXX  deprived me of my consumer rights.The purpose and importance of the TILA is to protect consumers against inaccurate and unfair billing and credit card practices.I am writing because I made an uninformed decision when I payed {$200.00} to open a credit card. At the time I did not know credit is a right given to me by GOD. 15 USC 1605 clearly states that the finance charge is the sum of all charges and not include cash. Self violated the Truth In Lending Act by imposing I exchange my time to build credit that was alreadya right given to me.My XXXXXXXX shows an open date of XX/XX/XXXX but my XXXX report shows XX/XX/XXXX. My XXXX account status shows as charged off, but my XXXX report shows my account status as paid. Both reports contain multiple errors including late payments. If the information were accurate all information on any report would be an exact match. It is not. Self or XXXX also failed respect my privacy and breached their fiduciary duty by not providing an explanation as to how to opt out of reporting. This is not acting in my best interest or in good faith. 
In addition to that, Self Financial continues to harassme via email every month. Self continues to attempt to collect debts not owed. Self continues to report false information to my consumer report causing my reputation, credit report, and credit score to be damaged in more ways than one. The account has been closed since XX/XX/XXXX. Why is Self demanding I pay late payments for every month of XXXX? As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Self Financial is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: DC

Complaint narrative:
XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX  veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX  XXXX i intend to sue XXXX  for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF 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 2022-10-25 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX  for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
As of XX/XX/2022. XXXX has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with XXXX. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. Equifax has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau XXXX and not from Equifax also. So it's on Equifax but removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I opened a Pay Pal account to process a credit card payment from an embroidery sport coat project for a customer. Pay Pal will not allow me to transfer the money collected from the payment from my customer into my personal to pay my vendor and my personal credit card. 
They asked me to provide an explanation for the type of business that I have which I did. Then they asked for a copy of my drivers license, Business Tax Certificate from the state and a copy of a utility bill with my name on it, which I provided.

I have been trying to egt this resolved for two weeks.

I was told the my account is on restriction. and that I will not be able to resolve this issue for 180 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
I was contacted by DCI credit services at XXXX on XX/XX/2022. They were inquiring about an emergency room bill from a hospital. I informed them that all my hospital bills are on a payment plan with the creditor, and I would like the account number they are referencing so I could confirm the allegation. They refused to provide this information. I asked for a physical copy of the notice of the debt collection. They stated that they sent it in XXXX and will not send another one. I explained there is an issue with my local post office due to two people of the same name living in the same locale, and it may have gotten delivered to the wrong person. She said that they will not send another notice, and I am to immediately pay the debt. After multiple attempts to explain I never received the original notice, they stated that they refuse to send another one. At this point I fully believe the debt is illegitimate. I tell them that until I receive a physical copy via certified mail, I will not be paying this debt. They state they are not required to mail any notices of debt, and I need to pay the bill immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: GA

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. 
Account Name : Account Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX All those above accounts 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 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 2022-10-25 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of XXXX I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to XXXX  or any means of automated verification.

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 2022-10-25 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: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX  ( EARLY WARNING SYSTEMS ) HAS PREVENTED ME FROM HAVING A NORMAL LIFE. I HAVE XXXX BAD CHECKS AND THEY MALICIOUSLY CALL EVERY FINANCIAL INSTITUTION I APPLY TO AND CONVINCE THEM WITH FALSE INFORMATION TO CLOSE MY ACCOUNT ( S ). I HAVE ONE BLEMISH ON MY HISTORY. I LEFT AN ACCOUNT OPEN ( XXXX XXXX  ) WITH XXXX DOLLARS IN IT. I CHANGED ADDRESS AND DID NOT MONITOR ACCOUNT. THE CREDIT UNION ALLOWED A ONLINE SUBSCRIPTION THAT I WAS UNAWARE OF TAP THE ACCOUNT UNTIL IT WAS XXXX IN THE NEGATIVE. ON THE REPORT THEY PURPOSELY LEFT THE DOLLAR AMOUNT BLANK, SO THAT CREDITORS WOULD BE WARY AND NOT PURSUE THE BUSINESS RELATIONSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Master business card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied two times by the bank. The bank stated that I needed to investigate with the store myself for more information about the fraud, which I did. I went to the apple store where they provided me information about how they display the method of payment on their receipts ( receipts attached ). They explained when the method of payment says " chip '' it can also mean that apple wallet or other touchless payment methods were used ( meaning, the card does NOT need to be present ). They also informed me when XXXX wallet is used, they are not allowed to ask to verify ID, and that is probably what happened. I also went to the police and filled a police report and authorized them to press charges against the people who did this. The police report is attached. At this point the credit card Company needs to not only remove the charges from my credit card, as well as all incurred fees, but at this point they will also need to mitigate the situation by providing me with with points in my card that are equivalent to {$5000.00}, due to all stress and all the time I had to invest investigating it myself. They completely missed the facts and were oblivious to the facts I was providing and refused to look further as they told me " I had to drive to LA to get answers from the store ''.

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