vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
Experian said the validated account # XXXX US DEPT OF EDXXXX XXXX Report # XXXX, which was a lie because they are reporting a wrong date opened, they are reporting it as a closed/collection account, but yet says it is past due as of XX/XX/2022. Is this account open or closed? There is no date of 1st delinquency reporting. It also says the monthly payments are XXXX, so how is there a balance/ or a past due. Remove inaccurate account from my file.

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 2022-12-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<

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 2022-12-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<

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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Contacted this company in XX/XX/2022 to validate information. 
I have not received a response. 
Information is not correct or validated.

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 2022-12-03 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: Entrata Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-12-03 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: DE

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the 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.

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 purpose.

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 2022-12-03 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:
I have not received a response from the credit reporting agencies on any of my disputes.

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 XXXX : # XXXX ; XXXX XXXX XXXX : # XXXX ; XXXXXXXX XXXX XXXX : XXXX ; 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately

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 2022-12-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-12-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While reviewing my Experian credit report I see that there is collection charges from the same vendor and same collection agency six times. Just last year I received my social security card and work authorization card. I have no recollection of these reported collections. 

Vendor : XXXX XXXX XXXX XXXXXXXX Credit bureau : Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IN XXXX Charges : {$320.00} XXXX {$250.00} XXXX {$320.00} Date : XX/XX/2021 {$350.00} Date : XX/XX/2021 {$220.00} Date : XX/XX/2021 {$270.00} Date : XX/XX/2021 Please advise on how I can have this removed from my credit report. Thank you, XXXX bless.

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 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I received a charge, which Im guessing is wage garnishment for a total of {$410.00}. I received this from Gurstel law firm pc. Never heard of them or from them till I was charged and I have no idea what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
In XX/XX/2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. I had covid in XXXX XXXX and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance. my contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XX/XX/2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. I was informed that they would not retract to late charge on my XXXX even though I was informed that I was approved for the forbearance that on their website says they will not report late payments during the process of a forbearance. I was lied to and due to the company 's representative 's deception and error, my credit rating was decreased by XXXX XXXX due to this company 's error. The late fee in XXXX needs to be removed due to I was misinformed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
15 USC 1681 section 602 states I have the 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 instrusctions.

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


XX/XX/2022 - {$620.00} XXXX XXXX- {$300.00} XX/XX/2022 - {$6200.00}

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 2022-12-03 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
15 USC 1681 section 602 states I have the 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 instrusctions.

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


XX/XX/2022 - {$620.00} XXXX XXXX- {$300.00} XX/XX/2022 - {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover bank In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has violated my rights according 15 U.S.C 1692 SEC 809-Validation of debts-1 The amount of the debt. ( B ) Disputed debt. Also 15 U.S.C 1692 SEC 808 UNFAIR PRACTICES ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I sent my dispute letter asking for debt validation Capital one failed to provide proper documentation after i gave written instruction to respond with any answers or question VIA -XXXX CERTIFIED MAIL so that there would be an independent witness to it being delivered and they failed to do so. Capital one is stating I owe a debt but how is that so? If I was never returned my deposit due to them closing the account. I was told their procedure when it comes to closing a delinquent secured account Capital One keeps the initial deposit that was used to open the account and puts it towards the remaining balance any fees remaining will then be put in charge off/collection. The alleged debt I owe is XXXX and Capital One kept my XXXX deposit so how is it that i owe XXXX again please make it make sense. Also, any charge off less than XXXX XXXX dollars does not a 1099 form. so, for all I know Capital One is Trying to collect a debt that their insurance company already covered and they also kept my XXXX dollar deposit. I find that to be a deceptive means of trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
Hello this creditor called me and I replied back that this ok to pay it in installments and asked them if they can call me after a week once I get paid but they didn't and surprised that they added it to my credit report which ruined it because of their miss communication and didn't keep their word. 
Amount is {$310.00} and reporting date : XX/XX/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 explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
In XXXX of 2021 chime bank sent me a email stating my account was closing on that date. I wasnt negative, no fraudulent activity. They gave me no reasoning and yet to send the funds in my account! My XXXX XXXX still pulled out of my chime as scheduled and they then chime pulled it back from XXXX XXXX stating due to the account closed. Chime has XXXX of my dollars sitting in a closed account and fail provide me with a valid reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: LA

Complaint narrative:
In accordance with the fair credit reporting, Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: LA

Complaint narrative:
In accordance with the fair credit reporting, Act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my constitutional rights. 

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

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my 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 2022-12-03 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: Radius Global Solutions LLC
State: LA

Complaint narrative:
Contacted this company in XX/XX/2022 to validate information. 
I have not received a response. 
Information is not correct or validated.

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 2022-12-03 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: LEXISNEXIS
State: TX

Complaint narrative:
I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.

Company response to consumer: Closed with explanation