vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint was closed in 2018. XXXX XXXX keeps reporting this to the credit file. This is incorrect information at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint was closed in 2018. XXXX XXXX keeps reporting this to the credit file. This is incorrect information at this point.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: IL

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 XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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 2022-11-19 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: CO

Complaint narrative:
I HAVE TRIED TO SUBMIT NEW DISPUTES, WITH SUPPORTING DOCUMENTATION, UPLOADED, BUT TRANSUNION WILL NOT ALLOW THE DISPUTES TO BE REVIEWED, AND ALONG WITH NOT ALLOWING THE DISPUTES TO BE REVIEWED, TRANSUNION WILL NOT CORRECT THE INACCURATE INFORMATION, AND THE INACCURATE REPORTING, UPON MY CREDIT REPORT ... EVEN WITH THE EVIDENCE, OF INACCURACIES, PROVIDED. 

I HAVE PROVIDED PROOF OF PAYMENT, ON TWO CREDIT CARD ACCOUNTS, FOR EXAMPLE, AND THE CREDITORS CONTINUE TO REPORT 30 - 60 DAYS LATE, EVEN WITH PROOF OF PAYMENTS. TRANSUNION HAS NOT CORRECTED THE REPORTING, EITHER, AND WILL NOT ALLOW FOR MY SUPPORTING DOCUMENTATION, AND DISPUTES, TO BE REVIEWED. TRANSUNION WILL NOT CORRECT THE INACCURATE REPORTING, EVEN WITH REVIEWING MY PAYMENT HISTORY, ON BOTH ACCOUNTS. 

THE TWO CREDIT CARD ACCOUNTS, FOR WHICH, I AM REFERRING ARE XXXX  CARD AND XXXX  CARD. BOTH ACCOUNTS ARE REPORTING 30 DAYS LATE IN XX/XX/2022 AND 30 - 60 DAYS LATE, IN XX/XX/2022. I WAS NOT 30 DAYS LATE, IN XXXX, AS THE COMPANIES ARE REPORTING. MY PAYMENTS WERE DUE, ON BOTH ACCOUNTS, ON XX/XX/XXXX, AND I MADE THE XXXX PAYMENTS, AND XXXX PAYMENTS, TOGETHER, ON XX/XX/XXXX, ON BOTH ACCOUNTS. THEREFORE, I WAS NOT 30 DAYS LATE, ON XXXX PAYMENTS, AND I WAS EARLY, ON XXXX PAYMENTS, BECAUSE XXXX WAS DUE, ON XX/XX/XXXX, AND I MADE THE PAYMENTS, ON XX/XX/XXXX. THE XXXX  CARD PAYMENT WAS FOR XXXX DOLLARS, ON XX/XX/XXXX, AND THE XXXX  CARD PAYMENT WAS MADE FOR XXXX DOLLARS, IN XX/XX/XXXX. ONCE AGAIN, BOTH, XXXX AND XXXX PAYMENTS WERE INCLUDED, IN THE XX/XX/XXXX PAYMENTS. 

TRANSUNION, AND THE CREDITORSXXXX XXXX AND XXXX, ARE NOT CORRECTING THE INACCURATE INFORMATION/REPORTING, ON MY CREDIT REPORT. MY CREDIT SCORE IS BEING NEGATIVELY AFFECTED, WHICH IS MAKING IT IMPOSSIBLE, TO BE APPROVED, FOR CREDIT, WITH OTHER CREDITORS. I AM REQUESTING THAT THE INACCURATE REPORTING BE CORRECTED, TO REFLECT " NEVER LATE '' AND " PAID AS AGREED '' AND A " CURRENT '' STATUS, WITHIN XX/XX/2022 AND XX/XX/2022. THERE IS INACCURATE REPORTING, ON A PREVIOUS MONTH, AS WELL, ON BOTH ACCOUNTS, BUT THE CREDITORS CONTINUE TO CHANGE THE MONTH, WHICH THEY ARE REPORTING AS, " LATE '', IN THE PREVIOUS MONTH, WHICH IS BEING REPORTED, AS " LATE ''. TO EXPLAIN, FURTHER ... CURRENTLY, I BELIEVE, THE CREDITORS ARE REPORTING XX/XX/2022, AS LATE, AS WELL. I WAS LATE, POSSIBLY, BUT I WAS NOT 30 DAYS LATE, AS BEING REPORTED. ALL, WHICH NEEDS TO BE DONE, IS REVIEW MY PAYMENT HISTORIES, WITH THE CREDITORS, AND IF I WAS NOT 30 DAYS LATE, THEN, DO NOT REPORT, AS 30 DAYS LATE. A SIMPLE SOLUTION...

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 2022-11-19 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: TX

Complaint narrative:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

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 2022-11-19 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: CA

Complaint narrative:
I RECENTLY SENT LEGAL DOCUMENTATION TO CFPB AS WELL TO EXPERIAN REPORT # XXXX INVESTIGATION ID 01 PROVING THAT XXXX XXXX  DOES NOT MEET THE FAIR CREDIT REPORTING ACT AND REMOVE SUCH IMMEDIATELY NETHER  YOU CFPB OR EXPERIAN IS IS ENFORCING FEDERAL GUIDELINES AS WELL SENT XXXX XXXX XXXX ORDER NOT MY ACCOUNT OR RESPONSIBILITY ANYMORE AND WAS PUT ON NOTICE PRIOR TO NEGATIVE REPORTING COURT ORDER IS A COURT ORDER SIGNED BY JUDGE THIS IS MY LAST ATTEMPT TO GET REMOVED OR ALL WILL BE HIT WITH A LAW SUIT FOR BLUNT DISREGARD OF MY DEMAND PLEASE NOTE EXPERIAN HAS LOCKED ME OUT OF THE REINVESTIGATION AFTER BOTHE THEM AND CFPB RECIEVED DOCUMENTATION SEE ATTACHED STATES WILL NOT PROCESS A DUPLICATE DISPUTE SHOWS THERE BLUNT DISREGUARD OF COURT DOCUMENTATION

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 2022-11-19 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: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
XX/XX/2019 I was involved in a car accident. Hospital billing department was legally notified that my case was in litigation. They proceeded to forward my bill to Wakefield. Wakefield proceeded to report my bill as collections to all three credit bureaus with out validating the bill with first. They were also legally INFORMED multiple times that my case was in litigation. Called me multiple times, have sent multiple notices XXXX with NO ITEMIZATION and WITH THE WRONG PROVIDER after requesting a itemized bill and validation, including but limited too what was shared with them as I feared my HIPPA RIGHTS might have beeb violated. This company continues to violate my rights according to The federal Fair Debt Collection Practices Act ( FDCPA ), which protects debtors from harassment, threats, and unfair means of debt collection by debt collectors. This law applies to WAKEFIELD and ASSOCIATES. They continue to refresh the debt on all of my credit reports causing grave damage to my credit and quality of Iife. The unwillingness to temporarily remove the tradelines in question while being in litigation again highlights how aggressive, brazen, and irresponsible this company handles consumer information. WAKEFIELD is not above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-19 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-19 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: NH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written install

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 2022-11-19 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: NH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written install

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: NJ

Complaint narrative:
After reviewing other laws in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the ORIGINAL signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I would like to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. They have failed to positively verify these accounts with PROOF and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I would like the following accounts to be removed immediately. Also 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 All 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. After their most recent reinvestigation they still show inaccurate information on my credit report.

I have attached proof of my credit report documents after their reinvestigation.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account in question, XXXX XXXX XXXX incorrect information on my report on XXXX different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.

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 2022-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA

Complaint narrative:
I have received a derogatory mark on my credit report for {$220.00} on XX/XX/2022. It claims the account was opened 4 months ago which I never have opened any accounts in general around that time. It says my highest balance was {$400.00} which makes XXXX sense to me as I only have one credit card and two loans, and they do not include any information of exact dates when the account was opened, dates of any payment history or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation