vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: IL

Complaint narrative:
An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: IL

Complaint narrative:
An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.

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 2023-02-16 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: CA

Complaint narrative:
I submitted a complaint through the CFPB on XX/XX//2022 in regards to XXXX XXXX XXXX XXXX account I have on my TransUnion credit report profile I got a response from TransUnion in this response they claimed they performed a thorough investigation and ALL INFORMATION came back as true and verified. I went through my documents and found that this response was fraudulent inaccurately reported. The false and illegally reported information had never been corrected or addressed. Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: WA

Complaint narrative:
I was seen at the emergency room at XXXX XXXX XXXX in XXXX or XXXX of 2019. I was having difficulty communicating and my daughter helped me get care. I gave the hospital written permission to communicate with her about my care and any financial issues. I was covered under the VA at 100 % of medical. They assumed because I was homeless at that time that I was lying despite me providing them my VA id and never bothered to send the bill to the address my daughter gave them or the VA. 

I received phone calls months later and they told me they never billed that address because I was homIeless. XXXX XXXX verified that they had the address on file which was my daughters but because I was homeless they didn't bother to send a bill to the address. I gave all the billing information XXXX XXXX needed for the VA and provided my address. XXXX XXXX continued to not bill the VA or send me a bill of the services. 

I called XXXX XXXX to see what the resolution was and was told it was to late and XXXX XXXX sent the bill to collections. They had no answer about why I still had not received a bill but said I should receive one from collections. I never had the opportunity to request financial help since I never received the bill to begin with. They did not even contact me by phone until months later although they had my phone number and my daughter 's. 

I called the VA and they tried to assist by contacting the hospital but they were told it was in collections and there was nothing they could do. I was told there was no timely AR billing so XXXX XXXX XXXX had to work with them. Instead they sold the debt to a collection agency who refuses to refuses do anything except add interest and ask me for a credit card number to pay the bill. Years later they contact me by phone although they should of had addresses and phone numbers to reach me or send me an itemized bill. 

XXXX and XXXX called me and said it all has to be paid and that the events leading up to this were irrelevant, the debt needed to be paid in full by me. If I did not pay the bill in full, I would be reported to the Credit Bureau and they would take actions to attempt to collect the debt. I have asked XXXX and XXXX to verify the debt via certified mail. I still have not received a bill from XXXX and XXXX but they have put this debt on my credit report after I spoke to them early XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WA XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Office Hours : 8 am - 4 pm Monday-Friday ( Except Holidays XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: SC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Account was hacked I turned in my documentation from numerous of sources claim still got denied

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 2023-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried disputing errors and asked for them to verify and send all of the information used to verify. They did not send the requested information. A few items were removed but most were not and the requested information was not received. Also, it took over 30 days for them to reply. They are not following the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried disputing errors and asked for them to verify and send all of the information used to verify. They did not send the requested information. A few items were removed but most were not and the requested information was not received. Also, it took over 30 days for them to reply. They are not following the FCRA

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Account have 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 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..

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 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NM

Complaint narrative:
XXXX XXXX has not been collecting {$59.00} a month from me. I have not been a patient there for more than 2 years, XXXX XXXX was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit 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 non-monetary relief
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
I have sent multiple disputes and made phone calls to remove the medical bills with no resolution the last two years.

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I need validation of debt. 

They are saying this is for debt for " XXXX '' This was a federal program that paid for childcare. 

The only issue is, my child is XXXX. She went to that program when she was XXXX There is no way I owe any of this type of debt. It was a government program more than 13 years ago. 

On top of that, I was never contacted, sent any information and disputes with XXXX XXXX come up as it being valid. 

How is this valid if it was a government paid program from 13 years ago??

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
You are reporting an incorrect amount on my credit report. The last bill I received was below {$700.00} I moved out of that apartment and the utility was disconnected before I did so in XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NJ

Complaint narrative:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please take a look at the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2023-02-16 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
EXETER FINANCE LLC # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section State : 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 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 2023-02-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 XXXXXXXX WELLS FARGO BANK 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section State : 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 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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I had previously submitted a cease & desist letter to the company but they are still in violation of my cease and desist letter pursuant to 15 USC 1692c ( c ) : " cease and desist includes any communication to Consumer Reporting Agencies ''.

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