vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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 Report Act XXXX XXXX, USDOE/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.

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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 am writing to request that the XXXX XXXX XXXX XXXX XXXX account, with the original creditor being XXXX at XXXXXXXX XXXX XXXX and account number XXXX, be removed from my credit report. This account was opened fraudulently and I am a victim of identity theft.

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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I filed a very valid dispute with Care Credit over a bogus charge a very unscrupulous dentist has attempted to stick me with an illegitimate bill. Had I not sought a 2nd opinion by an Ethical Dentist, I would have endured : 1 an unnecessary tooth extraction 2 several unnecessary fillings 3 a crown replacement by way of bridge which means more $ $ $ . This totals well over 10k, again all fabricated diagnoses. 

This same dentist wants me to pay for his in office dental plan after he cancelled me >just as soon as I requested my X-rays< that I wanted to share with another dentist. He canceled me ten days after purchasing his plan, and Care Credit continues to say I owe the bill. 

I must close this account down and file a lawsuit against synchrony bank because in my second report I made references to my recent negative experiences with THREE XXXX  trying to show all Ive recently endured with horrible unethical dentists, then found out soon after submitting that letter, Synchrony Bank is based out of Utah, home of XXXX & the XXXX XXXX. I do believe Im being discriminated against, and theorizing is all I can do since they refuse to explain why theyre siding with a thieving, lying doctor. 

They purposely disconnect calls to discourage you from calling. They lock you out of your account but then exclusively send all related documents to that account. They REFUSE to call or even email directly. They make it impossible to file a dispute, at least in my experience.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I call or try to log on to Transunion 's website I always get an error message to try again later. This has been going on for a little while now. I need to be able to see my credit report and score

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 2023-04-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Berlin-Wheeler, Inc. (Kansas)
State: OH

Complaint narrative:
I have a derogatory on my credit report from BERLIN-WHEELER-KS XXXX Opened XXXX in the amount of {$850.00} on behalf of XXXX XXXX  XXXX XXXX. 
I have not lived in oklahoma since 2013 and i have never used XXXX XXXX  in any way shape or form. Have attempted multiple to call to get this taken care of and i was redirected to XXXX i filed this as fraud to be taken out my report. And my report key number : XXXX. Havent heard any feed back in months and have no access to report. All credit bureau have attempted to get this resolved but business is adamant in resolving this. Please i would like for this to be resolved and taken off my report as i have never conducted business with set entity.

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 2023-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
I received a letter on XX/XX/XXXX from Pheonix Financial Services stating that I owed {$800.00} for a debt that was owed to XXXX XXXX XXXX. I disputed that amount because I was pretty sure the debt was paid off. They then sent me a letter back stating that the debt was accurate on XX/XX/XXXX. 

I called XXXX Customer service because at the time of the service XX/XX/XXXX, I was a XXXX employee, and it should have been covered under my insurance. Unfortunately, the rep I was working with couldn't find the claim because it was an old one archived from XXXX. The member also stated that the company is supposed to send three good faith efforts to try and contact you before sending it off to collections, and I didn't receive a single one. Also why are they contacting me about a debt from XXXX when it's XXXX? The rep suggested I contact XXXX No Suprises and I left a complaint with them, but they stated that since the claim was from XXXX that I didn't qualify and suggested I leave the complaint with you. 

The rep I spoke with was named XXXX XXXX with XXXX and the reference number she gave me was XXXX. You may contact me back if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to request that the CAPITAL ONE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: NY

Complaint narrative:
According to 15 US Code 1681A and 1666b, Experian is violating my consumer rights. 
This is my XXXX attempt at trying to resolve this issue with Experian. 

The account under XXXX Bank XXXX XXXX my transaction history in XX/XX/XXXX and XXXX as late. By doing so this is a violation under the subsections I listed above. 

Because this is my XXXX attempt and I have a record of these correspondences I will be seeking legal action if the late payments you are reporting are not removed.

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 2023-04-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # 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 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 explanation
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account Type  - Detail : XXXX and TransUnion reported the account as a credit card, while XXXX did not specify the account type. 

Account Status : XXXX reported the account as open, while TransUnion reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while TransUnion and XXXX reported a {$0.00} balance. 

Credit Limit : XXXX and TransUnion reported a credit limit of {$300.00}, while XXXX did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while TransUnion did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).

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 2023-04-09 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: CA

Complaint narrative:
I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX  Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX. ) XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) 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 604A 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 2023-04-09 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: CA

Complaint narrative:
I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) 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 604A 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 2023-04-09 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: TX

Complaint narrative:
I am request that the XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.

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 2023-04-09 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 am request that the XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.

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 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as Cedar Business Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX  purchase. 

I telephoned XXXX, with the agent from Cedar Business Services ( hereafter referred to as Cedar ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at Cedar telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by XXXX XXXX, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. 

It is seems rather obvious that XXXX XXXX must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. 

Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account XXXX - XXXX : XXXX and XXXX reported the account as a credit card, while Equifax did not specify the account type. 

Account Status : XXXX reported the account as open, while XXXX reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while XXXX and Equifax reported a {$0.00} balance. 

Credit Limit : XXXX and XXXX reported a credit limit of {$300.00}, while Equifax did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while XXXX did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).

Company response to consumer: Closed with explanation