vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Account Number 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX & EQUIFAX : XXXX XXXX  XXXX XXXX  XXXX XXXX & XXXX XXXX easy pay XXXX XXXX  XXXX  XXXX & XXXX XXXX XXXX  XXXX  XXXX & EQUIFAXXX/XX/XXXXXXXX XXXX XXXX XXXX EQUIFAXXX/XX/XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX ; XXXX XXXX XXXX XXXX & EQUIFAX : XXXX XXXX XXXX XXXX & EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX  XXXX ; XXXX XXXX EQUIFAX : XXXX XXXX XXXX ; XXXX & EQUIFAX XXXX EACH company is in violation of my rights by LAW ! 
XXXX5 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX EXPERIAN & XXXX : XXXX XXXX XXXX XXXX XXXX  EXPERIAN & XXXX XXXX easy pay XXXX XXXX XXXX  EXPERIAN & XXXX XXXX XXXX XXXX  EXPERIAN & XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN & XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX EXPERIAN & XXXX : XXXX XXXX XXXX EXPERIAN & XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX  ; XXXX XXXX XXXX ; EXPERIAN XXXX XXXX : XXXX XXXX XXXX ; EXPERIAN & XXXX XXXX EACH company is in violation of my rights by LAW !

15 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed

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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: TX

Complaint narrative:
First Fed Credit Control is reporting XXXX Accounts in collections from Original Creditor XXXX  XXXX XXXX. 
I have requested information on what the debts are for from First Fed Credit Control and they only provide " Date of Service ''. What was the Service? First Fed Credit Control provides phone number for XXXX  XXXX of XXXX XXXX where service was to take place. 
XXXX XXXX of XXXX XXXX XXXX they are no longer owned by XXXX XXXX XXXX and provides another phone number that is only answered by voicemail with no return calls. 
Nothing but run around- they expect to be paid for a bill that they are not providing enough information on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NY

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  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights 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 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 non-monetary relief
Consumer complaint received 2022-06-01 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: NY

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  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Ive been trying to place a security freeze since XX/XX/2022 with XXXX XXXX I first tried doing it over the phone but while trying to verify myself I had no idea that they had a really old address for me in their system. So when they asked for my address I gave them my current one. That is what made me not be able to verify myself by phone. And the rep stated that I would then have to wait a whole 90 days to do it by phone since I didnt verify myself then. 

I proceeded to try the other methods that are available to consumers to freeze their file. Which are by fax, by mail and by email. I tried by fax from XXXXXXXX XXXX XXXX in XXXX XXXX In XXXX. Ive been trying the email method since XX/XX/2022. I also mailed off the documents needed for the freeze on XXXX XXXX and they are never receiving any of my attempts. Every email address that I use it keeps returning to sender. Here is the email address, address and fax number that I have gotten from this company. 

Email : XXXX Fax number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2022-06-01 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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
First Federal Credit & Collections of XXXX, Fl ( XXXX phone ) sent me a collection letter for amounts owed to a medical provider I did not contract nor recognized. I disputed the matter in a letter on XX/XX/2022. After about 60 days I did not receive a response and learned the account had been reported to the credit bureaus without a response from First Federal. In speaking with an agent of theirs on XX/XX/XXXX he indicated mail was not being reviewed at the office and that I should go to the company 's offices in person, which I believe is not industry practice nor reasonable during a pandemic. If the company is not responding to dispute letters how is a consumer to pursue his/her rights under the consumer protection laws? Now I face having my credit history tainted by this company 's failure to follow CFPB/FCRPA rules and requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Services, Inc.
State: SC

Complaint narrative:
I was scanning through my credit and noticed some inaccurate information and accounts on my credit report. I have two separate accounts from National Credit Services. One of the amounts is XXXX and the second one is XXXX both account numbers are listed the same, XXXX. I sent a letter to them to dispute these errors being reported and also wanted to get verification of the debt, that letter was signed for them on XX/XX/2022. I received a letter from them dated XX/XX/2022 basically saying it was verified. I then proceeded on and sent another letter to them which was received by them on XX/XX/2022 and received the exact same letter back from them, which was dated XX/XX/2022. They have failed to provide me with proper verification of this alleged debt that I owe them. I tried to resolve this issue with them, but have been unable to. I have attached all letters sent and received from the company and also sent them certified mail and attached documentation showing when it arrived to them and when it was signed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
Reference : Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX My loan for my windows ( for my home ) started with XXXX and now its with Concord. 

I am very unhappy that when I make a payment online that there is now a {$5.00} processing fee to make that payment. Same thing when you make the payment on the phone. 

When the service provider was XXXX there was no processing fee ( made 2 payments before Concord took over and no processing fee. ) The original loan should be honored that did not include a processing fee for this service. 

Also I will be reporting and filing a complaint with Consumer Financial Protection Bureau. 

I await your response. 

Best Regards, XXXX XXXX Sent XXXX reply from Concard on XX/XX/2022. they would waive one fee if I signed up autopay I replied back and advised that there was no fee to payment with previous loan provider and asked them to honor my agreement with the original loan provider. No fee for making a payment using checking account. 

The new loan provider needs to honor all agreements made when I took loan out with 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 2022-06-01 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 XXXX  Account XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 Hard inquiry

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 2022-06-01 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 XXXX  Account XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 Hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I fell behind on payments due to injuries suffered from previous accidents, both work and vehicle. I made attempts to pay, they refused payments. I tried to get a foreberance but they denied me. Then the pandemic came. XXXX XXXX I made contact again with the servicer, XXXX XXXX was my point of contact. I received an email from him stating they were working on it, never heard back. They barraged me with automated calls and automated voice messages to my cell phone in violation with FDCPA. I called the point of contacts, XXXX XXXX wouldn't help me because as she claimed, I am not her kind. Never heard back after that. They continued with letters and point of contacts, none responded to me as required. This pushed my balance higher. I applied for modification in XX/XX/XXXX, gave everything they requested, they denied claiming I requested a foreberance, I didn't. I applied two more times, each time they asked for documents already sent and received, claiming not to receive them, but i sent sent back checklist to confirm all received. They played the we don't have them game to avoid helping me, then closed application. They deliberately miss managed to avoid helping and continued to collect higher fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I was informed that my vehicle was out for repossession. It came to my attention that my loan ( originally through Suntrust ) was now owned by Truist and that my payments had stopped auto drafting.

I was told to send a transfer in the amount of {$2000.00} for next day and did so, confirmed by my bank. 

On XX/XX/XXXX, my vehicle was repossessed. I did not find this out until XX/XX/XXXX when I returned back from a trip. 

When I called Truist bank, they told me that I was still 100+ days late on payment and that they could not find my payment. 

I provided them with trace numbers and various other details confirming my payment, however, they refuse to release my vehicle to me until their research team is able to locate and post my payment.

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