vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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: TX

Complaint narrative:
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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.

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 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a checking account at Citibank online on XX/XX/XXXX and funded {$6500.00} on XX/XX/XXXX as part of the deposit requirements of their promotion at that time. However, in the meantime, I was not able to log in to my online account out of the blue, and I was told by the agent that my account was a matter of the closure of their own will. 
I tried to contact the supervisor of Citibank multiple times to find out why my account was forced to close, could not get my fund back from the period of XX/XX/XXXX to XX/XX/XXXX, but was not able to find out anything related to the happening. 

I put my {$6500.00} on Citibank on XX/XX/XXXX and still can not get my money back, which causes inconvenience to me. I don't understand their response to me, and not happy about their poor customer service.

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 2022-07-09 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: AR

Complaint narrative:
My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, XXXX, and TransUnion for committing identity theft. I never gave XXXX, XXXX, nor TransUnion, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, XXXX, nor Transunion consent to furnish this information on my consumer report. 

Please see attachments

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 2022-07-09 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: AR

Complaint narrative:
My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, Equifax, and XXXX for committing identity theft. I never gave XXXX, Equifax, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, Equifax, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: AVANTE
State: TX

Complaint narrative:
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from Mr. Cooper of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to Mr. Cooper for the loan amount. ) This XXXX, the XXXX  between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/2022 I requested from Capital one auto finance a COPY of my PAID receipts for the payments that were MADE from Years XXXX for the auto loan. I would like a copy of all receipts MAILED to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: VA

Complaint narrative:
Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from XXXX XXXX of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to XXXX XXXX for the loan amount. ) This XXXX, the XXXX between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.

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 2022-07-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following addresses and phone numbers have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section A. States I have a 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 2022-07-09 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 following addresses and phone numbers have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section A. States I have a 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 2022-07-09 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: CA

Complaint narrative:
I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS ACCOUNTS A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PORTFOLIO STATUS, ADDITIONAL INFORMATION Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, CLOSED DATE Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR XXXX DELIQUENCY REPORTED, CLOSED DATE Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
XXXX, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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 2022-07-09 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: VA

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 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  va, 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 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 2022-07-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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 2022-07-09 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 following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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 2022-07-09 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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 2022-07-09 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 XXXX XXXX XXXX account # 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 2022-07-09 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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 2022-07-09 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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 2022-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS INQUIRY OR DISPUTE INQUIRY MUST BE REMOVE/DELETE A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. Inquiry : XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry : XXXX XXXX, XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE.

Company response to consumer: Closed with explanation