vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting 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:
This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax that the following XXXX XXXX XXXX  account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX then a week ago today I was on the EQUIFAX credit reporting agencies website trying to discover legal paths to remove negative accounts off of my credit report that I have no knowledge of. While on the EQUIFAX site I see a article about a XXXX  data breach of EQUIFAX. I had a paid membership with EQUIFAX around that time and so after reading the article I placed my information into the database to see if my information was compromised. The results came back that my information was compromised in the breach. I have no knowledge that the information in the breach was or is the reason why accounts and hard inquiries continue to show up on my reports that I have no knowledge of. I also have no proof that that's not how the new accounts and hard inquires are finding there way onto my credit reports. It can be proven however that I had no knowledge of the data breach and that EQUIFAX credit reporting agency has not given me any kind of notice about the breach. I have been trying to defeat negative items off of the report with all three credit reporting agencies including EQUIFAX. 

HOW HAS THIS NEGATIVELY EFFECTED ME? 
This has not only effected me it has completely crippled me to the point of homelessness and I strongly feel I deserve some sort of good will provision. 
I'm XXXX XXXX XXXX independent and struggling to stay afloat in a deep pool of inflation caused by the XXXX and some really XXXX policies the people in power continue to force upon me, I, we, us, the people of the United States of America. 
I work the XXXX  economy and a XXXX  is the most important tool in my life. XXXX months ago my XXXX  decided to never start again. After spending what little savings that I had on parts to repair the XXXX, I had no other chioce but to walk away. My thoughts where that i had XXXX mor shot at getting back to work. XXXX  financing! But that idea was blown into to many directions to investigate. But now things are beginning surface and it's a matter of time before the bigger picture tells us everything. Had I would of known about the data breach I could of taken steps to prevent bad things from happining. I could of used services awarded in the class action lawsuit against EQUIFAX to prevent this sort of thing from ever happening. The XXXX thing that a judge ridiculed EQUIFAX for doing in the judgement against them was keeping quite about the breach and not telling the consumers about it. And that's exactly why I could be experiencing such hardship. Equifax refuses to remove the negative items that are not mine from my credit reports as well! THIS IS A VERY BROKEN SYSTEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 00:00:00
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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  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.

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 2023-10-29 00:00:00
Product: Credit reporting 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:
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 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 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
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED. 
All 3 credit bureaus have not removed my 2 Capital One Cards # XXXX & # XXXX that were severely compromised by Capital One since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX XXXX. 
Capital One closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards. 
37 times false billing line entries is identity theft and FCRA violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CO

Complaint narrative:
in XX/XX/2017 this debt was resolved thru several phone calls and emails. I was told several times that I was correct, that the debt was not mine, not to pay it, and I escalated it to the highest level to make sure it was resolved. I assumed it was resolved as I have not received a bill then and that was 6 years ago. Then, out of nowhere, I start receiving bills. I called the company and wrote the company to let them know, and they have no proof and no emails and no records that the debt was resolved. Unfortunately, the emails exchanged I do not have access to. I did everything humanly possible to resolve this in XX/XX/2017, and it was resolved. I also have written to the company and called them on the phone to get this dismissed, and they have moved forward sending this to collections. 

The debt was from XXXX XXXX, account XXXX XXXXXXXX for {$1500.00} from XX/XX/2017 they have moved it to AssetCare, master account XXXX XXXXXXXX If it wasnt resolved, why havent I received a bill since XX/XX/2017? I do not owe this money, and it was resolved in XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-10-29 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 ( IMPACT RECEIVABLES ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Social security number is XXXX  My complaint is that XXXX  has not removed the two negative items that are fraud I filed a federal trade commission identity theft report on file the credit collection is fraud and other negative item last four of account is XXXX also normally XXXX  will delete the accounts if theirs is a federal trade commission identity theft report on file please have XXXX  remove the negative items and regarding XXXX XXXX their is three negative it's on my file it supposed to be removed and the XXXX XXXX filed to be suppressed. And regarding equifax theirs one negative item that's 60 days lates it supposed to be removed from my equifax Credit report theirs a federal trade commission identity theft report on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been trying to get this company to remove innacurate information that isreporting to my credit file that continues to violate my consuer rights.

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 2023-10-29 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I made a payment with PayPal. I partly paid with my PayPal balance and partly paid from my debit card. I sent it to the wrong email and requested a refund. The user sent the refund but it was never sent to my debit card. The bank says theres no record of the transaction. I would like the money refunded promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 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 ( XXXX XXXX BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in 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 2023-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
My problem is that State Collection Services XXXX XXXX, Wisconsin has not deleted a medical collection from my credit report even though it has been proven that XXXX had covered the bill of {$8200.00} in full. I am 100 % XXXX and the hospital made a mistake, whereas they took the collection back from State Collection Services in XX/XX/2023. The problem I have is that State Collection Services had no right to report a debt that was not 100 % confirmed was a debt at all. XXXX XXXX XXXX has confirmed that they took the collection back and were discharging the collection altogether. The collection must be removed permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Lvnv funding is inaccurately reporting on my credit that {$960.00} is owed. I have never done business with this company. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: TX

Complaint narrative:
I contacted Discover about an account on my credit report in XXXX and I have heard nothing back, and the account is still reporting. The account was opened in XXXX, but I don't remember opening an account with Discover that year. I also informed the credit bureaus as well as Discover that my personal information was compromised in a data breach. I requested documentation for this account over 60 days ago. I am demanding that this account be removed due to clear violations of the FCRA. I want to also point out the inaccuracies in the date last active. I will attach my credit report as well as my XXXX data breach claim. Please remove this account within 15 days.

Company response to consumer: Closed with explanation