vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquires on my Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquires that I have no knowledge of ever authorizing. I have sent out letters & also called the credit bureau several times. Here are the inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-05-05 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:
I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX, these XXXX accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.

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 2022-05-05 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:
I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX, these XXXX accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.

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

Complaint narrative:
I filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping 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 non-monetary relief
Consumer complaint received 2022-05-05 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 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 an 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 2022-05-05 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 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 an account without my written instructions.

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

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 U.S.C 1681. 

15 U.S.C 1651 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 1681 c. ( 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. 
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

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 2022-05-05 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 XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-05-05 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 XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: TX

Complaint narrative:
The Caller 's ID is : Client Services. The automated calls to my home phone number come in XXXX times daily. 
The area code for Client Services is ( XXXX ). 
The following are the ( XXXX ) exchanges + a total of ( XXXX ) different phone numbers so far : ( 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 and ( XXXX ) XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " CAVALRY PORTFOLIO SERV ( CITIBANK ) '' collection account on the XXXX credit bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account. See attached a screenshot of the account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 Act cXXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: HI

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I forced to leave my home with my XXXX yr old son due to threats, assault and harassment. My mortgage company and XXXX been trying to force me out of my home for years, by tampering with my financial obligations. I am a XXXX percent XXXX veteran. My mortgage goes up every year due to taxes and mishandling of my escrow account. This year my mortgage went to XXXX a month. This is ridiculous. I had to pay XXXX dollars to keep my payment the same which to stop the increasing this year. My home was intentionally burned down about 2 yrs ago and insurance company XXXX XXXX didnt want to help after the home was redone and quicken loans said I now have home insurance through them. This insurance is incredibly expensive. I dont know why this is happening but I wrote to your every year for help but dont receive any help. I shouldnt be paying taxes and my mortgage should not be this high. It goes up every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 XXXX XXXX  XXXX XXXX, & XXXX XXXX BANK 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EQUIOFAX CONTINUES TO REPORT THESE ILLEGAL LATE PAYMENTS I AM DEMANDING THESE LATE PAYMENTS REMOVED ASAP. MY NEXT STEP WILL BE THROUGH LITIGATION IN THE COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I saw that I had a court date on XXXX XXXX for some unpaid hospital bills, my husband and I just happened to look up my name because we got a letter in the mail saying Midwestern Health Management was suing me. I contacted them that day and paid off the full amount of {$3000.00} right then. I told them I saw the court date and asked if since I paid it off if it would be dropped since I have not been summoned yet. They told me they would tell there lawyer to drop the case. Well that was on XX/XX/XXXX at XXXX pm. I have tried multiple times since then to contact to them to get this sorted out since it is still showing a court date, they either do not answer and I leave a voicemail ( that they never call back ) or they say one minute then the call disconnects. This is getting extremely frustrating and I am not sure what I am supposed to do if I can not get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: HI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Advanced Resolution Services Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I was recently alerted to a credit collection company on my credit report XXXX XXXX XXXX XXXX is Wakefield and Associates. 

Since we never received anything from the originator, XXXX XXXX, we were not aware of this invoice. 

On XX/XX/2022 at XXXX, I called XXXX XXXX and was told that the address their bill went to was a street on XXXX XXXX this is an incorrect past address from over 20 years ago. 

I asked where they obtained their information the answer was from the hospital I find this to be suspicious since the hospital has my drivers license and billing information with the correct address. 

I was then told that one call was made to my number from XXXX XXXX and a message was left. 

A call should have been made to the originating hospital to verify my address since I receive all my other bills from the hospital. 

I asked, why didnt you call the hospital to verify my address. I was told, because we have thousands of bad addresses. 

Therefore, since I am not at fault for them not having the correct information, I request to have this charge removed.

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

Complaint narrative:
The Credit Bureau stated they properly investigated my account but that can not be possible if " XXXX XXXX XXXX '' is still present even though they stated it was removed. Also these accounts being placed on my report have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX XXXX XXXX XXXX ) 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 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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield has called me today, XX/XX/2022, 3 times already. Times for each call in XXXX have been : XXXX, XXXX, and XXXX. This seems rather excessive and they do not leave a message. The number was the same each time : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have disputed this debt with all three credit bureaus and I have filed a complaint with CFPB as well. This debt is being passed around from debt collection company to debt collection company to see who will collect first. It is not fair to me when this is not and has never been a debt of mine. I have no idea how or when this bill was paid or why it stopped getting paid. This account has been taken off of my credit by the original creditor due to lack of validation but the debt collection companies do not care if the information is valid not as long as they can make money off of the innocent. This is not good business or fair to those of us who are doing what is right. If we do not use our credit because we are not constantly buying things how would we know that bad people are doing things with our credit. This XXXX XXXX XXXX has two different accounts and that alone should have thrown up a red flag but no one seemed to notice. I live alone, my kids are grown and I have informed mail delivery so I see everything that comes to me before it goes to my mailbox. None of the things that I am disputing has ever come to me. This is why I am requesting to have this false information removed from my credit.

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

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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