vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have notified these consumer reporting agencies on multiple occasions to have this account removed from my consumer report. The collection is paid and is still showing on my consumer report as a derogatory account and its affecting my house buying power as well as me getting acces to funding. In accordance to the No Surprises Act, I know this medical bill should not be on my consumer report and is in complete violation of the No Surprises Act and needs to be deleted immediately. 

Also in accordance to FCRA 15 U.S. Code 1681o Civil Liability for negligent noncompliance which states that : ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance states that : ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liabale to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissable purpose, actual damages {$1000.00}, whichever is greater This means that the consumer reporting agencies XXXX and XXXX are not in compliance with this law because they are not deleting an account I have disputed numereous times and told them to delete it because this account is not of value to me as a consumer. This account is damaging to my consumer report and needs to be removed immediately. Also I never gave RMC ( Receivables Management Corp ) the right to have my medical information and never gave them the right to report this account to any consumer reporting agency on my behalf. 

I am requesting this account be removed from myconsumer report immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In acordance with the fair credit reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. 

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 state a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In acordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Asset Management Outsourcing, Inc.
State: NY

Complaint narrative:
I have no knowledge of this account, and is going to be in litigation. 

PLEASE REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never gave capital one my authorization to run a credit check so they took it upon themselves to run a check and it damaged my credit now for 2 years. This is ridiculous that companies are allowed to do this just to hurt someones credit. I already filed a complaint with XXXX  and got nowhere.I got a hard inquiry because of them and its not right. And they have no number or address to get ahold of them it just says capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following companies 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 instruction.

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I applied for a loan modification with Select Portfolio Servicing ( SPS ). I used XXXX XXXX XXXX ( XXXX ) as my mediator. I have been trying to find help for over 10 years. XXXX contacted SPS in XXXX of 2021. My interest rate would change from 4 % to 8.85 % in XXXX of 2021. My monthly payment would go from {$1100.00} to {$1900.00}. 

Plus I have {$100000.00} in back interest due from my loan with XXXX who sold the loan to XXXX XXXX. The cause of back interest is related to the loss of my job and my wife 's job due to XXXX ( as descibed below ). 

My wife and I refinanced the mortgage XXXX years ago to pay for her XXXX XXXX XXXX XXXX  XXXX. The refinance was with XXXX. This is all prior to the XXXX XXXX XXXX. I stayed at home with my wife during her XXXX for over a XXXX year period. I was XXXX XXXX XXXX months after my wife XXXX I did not find a job for XXXX years. 

In XXXX of 2021, XXXX spoke with SPS to put my mortgage into forbearance. My credit score dropped from XXXX to XXXX by XXXX because SPS did NOT report to the credit services/bureaus that I had was in forbearance. 

SPS offered to keep my loan interest at 4 % if I rolled the {$100000.00} into the total loan of {$310000.00} ( value of house is {$210000.00} + {$100000.00} ). If I accepted the offer XXXX would be paid {$6000.00} for their services. I refused the offer. 

XXXX then offerd to do a forensic audit for {$4700.00}. I paid for the audit and an expert witness statement. They found that there are illegalities with the processing of the mortgage exchange beteeen the various finance companies. XXXX believes that I can use the forensic report as leverage to negotiate with SPS or to sue the finance companies. 

What I want/need : someone to review the forensic report, if their findings are accurate, I want to file a lawsuit against XXXX, XXXX, and SPS finance companies regarding all the misconduct and possible predatory loan practices involved. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the THIRD complaint I've submitted via the CFPB about Equifax in less than two months. Why is Equifax allowed to be so sloppy in maintaining consumer data? 

I submitted a dispute form asking Equifax to update the balance on my XXXX XXXX account. Instead of asking the lender to verify the details, it reported the account as fraudulent. Once the lender determined the account was not fraudulent, the account was reopened, but I was issued a new account number. Equifax now reports TWO XXXX XXXX acounts on my report and the information reported is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Information & credit scores are not reported accurately or updated frequently but severely outdated. information & credit scores shown to banks, financial institutions and lenders are much lower lower that scores in apps by consumers. 

On XX/XX/2022, a XXXX XXXX mortgage loan XXXX informed me that my credit score was a low XXXX when I was seeing XXXX, XXXX, XXXX from all XXXX credit bureaus apps. When I looked at Equifax through my phones browser, I was shocked to see a low and inaccurate credit score of XXXX and no explanation as to why I was XXXX points down. Obviously, this damaged my chances of obtaining a home loan. Credit Bureaus are required by law to maintain FAIR & ACCURATE reporting updated frequently instead of keeping severely outdated information which they still have not fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Accurate Background
State: GA

Complaint narrative:
On XX/XX/2022 I recieved a notice for adverse action from home chef about something in my background report. I asked them for a copy of the report and a summary of rights and still have not received any of the report and information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following companies 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 instruction. 

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
In pursue of Class-Action Law suit against, Key-bank engaged in deliberate and unfair, unlawful fraudulent practices the company prestigiously relied on the likely-hood that wouldn't be fair to pursue rights. This has been a ongoing violation that the consumer financial protection bureau failed to identify valid proof of customers address on file, from Key bank who has failed to retrieve customers demand of funds retracted. Upon reexamination you will find serious systemic deficiency 's upon key bank responding The Consumer Finance protection bureau overlooked again, after the 2nd evaluation, XX/XX/2021 pertaining to the legitimacy of validation, both parties not having the correct address on file the reexamination started XX/XX/2021 for the third time upon reopening key bank verified that the account had not been updated with the correct address Key bank associate I.D . XXXX. Key bank and The Consumer finance protection bureau failed to conduct adequate due diligence on its customers. Me as a member find it humiliating and deceptive to gain my trust with secure and confidentiality. As a result my file lacked basic identification and verification of identity regarding the books and input of the claim type.

Violation of laws and regulations Key bank failed to maintain and make available true and accurate books, accounts, and records reflecting all transactions and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Outline of my dispute with Equifax XXXX and XXXX Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX  XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX  XXXX Bankruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting an reinvestigation of a XXXX  XXXX Bankruptcy as via US certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting they provide me with the Method of Verification for XXXX  XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


XXXX XXXX stated that the XXXX  XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

Equifax stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX  XXXX Bankruptcy to Equifax XXXX and XXXX Credit Bureaus XXXX XXXX XXXX they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.

Company response to consumer: Closed with explanation