vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
The TRANSUNION credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. TRANSUNION has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

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 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 2022-03-01 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: NY

Complaint narrative:
I am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bought 2 {$100.00} XXXX gift cards at XXXX apparently sold by US Bank. When I went to use them, they would not work. I had to put all my groceries back. I went home and called XXXX and was informed that the cards had been compromised several weeks earlier, but US Bank hadn't bothered to take them off the shelves. It took over an hour, but they finally agreed to send new cards, but refused to refund the activation fees or to overnight the cards. I was told that they would arrive in 14 days.

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 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
My identity was stolen, and a account with XXXX was opened without my knowledge. in result a collection was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been reporting that I owe them money on my credit report. Before this, I have never heard of this company or ever done business with them. I have been writing to both the credit bureau and XXXX XXXX to have this debt removed from my credit report. In order for this debt to stay on my credit report, XXXX XXXX continuously approves or update the status that I owe this debt. But how? They have yet to substantiate or validate this debt according to FDCPA requirements. They have not shown any documentation with my signature on it in agreement with their company, They have not shown how they calculated this debt, or even where this debt orginated from with THEIR business.This is unfair and by far detrimental to my credit. They are in violation of both FCRA and FDCPA act.

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 2022-03-01 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:
A XXXX that ends in account number XXXX is Fraudulent and has been reporting on my reports for the past 6 years. 

I have zero knowledge of this account and I even spoke with a representative from XXXX and informed them of this fraudulent information. 

Multiple violations and inconsistencies is showing on my reports and according to 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states this information needs to be accurate, and 15 USC 1681c-2 states the information of any Fraudulent account needs to be blocked in 4 business days. 

XXXX and TransUnion must remove this account from my reports immediately.

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 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Debt validation letter sent XX/XX/2022, company responded with a name that is incorrect and company responded back XX/XX/2022 unable to validate debt. Please remove from my credit report.

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 2022-03-01 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:
A XXXX that ends in account number XXXX is Fraudulent and has been reporting on my reports for the past 6 years. 

I have zero knowledge of this account and I even spoke with a representative from XXXX and informed them of this fraudulent information. 

Multiple violations and inconsistencies is showing on my reports and according to 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states this information needs to be accurate, and 15 USC 1681c-2 states the information of any Fraudulent account needs to be blocked in 4 business days. 

Experian and XXXX must remove this account from my reports immediately.

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 2022-03-01 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
the following accounts are on my credit report as charged off. they were included in a XXXX XXXX  bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to XXXX but still left it as charged off. XXXX XXXX XXXXXXXX sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mn XXXX comenity bankXXXX XXXX XXXX XXXXXXXX XXXX  oh XXXX comenity bank/ XXXX, same as above comenity bank/ XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2022, My last attempt to resolve this issue I requested TransUnion, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile. Since i have not received documentation from TransUnion files to verify the accuracy of these disputed accounts please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Account are as follow : ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : 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 2022-03-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened a credit card and can not remember if it was with XXXX XXXXXXXX or Victoria secret however I opened it when my son was born and he will be XXXX years of age next month. I do not have dates and too much time has gone by however this credit card continues to appear on my credit every time under a different creditor. Right now it is with comenity bank for {$640.00} and it is on my credit report as an open account/balance which is false. Ive disputed multiple times and comes back unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: GA

Complaint narrative:
I completely paid off and closed my XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX account. It is still showing up as three separate accounts on my credit. Two of the accounts say they have been paid and closed with {$0.00} owed. Today ( XX/XX/22 ) I checked my credit & it decreased XXXX points due to inaccurate reporting from XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX saying I owed a total of {$5300.00}. I have documentation to show proof of innacurate information. Reporting information that is inaccurate or not reported correctly violates the Fair Credit Reporting Act. It has led to financial injury and mental distress. I have contacted them almost 5 times without receiving any type of resolution or remedy for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint. 

The following Creditors have violated the rights afforded to me by the FCRA : 1. XXXX XXXX BANK - Account Number : XXXX. 
2. XXXX XXXX - Account Number : XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account Number : XXXX. 
4. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

XXXX**The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay 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 2022-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt Recovery Solutions ( XXXX ) XXXX has not only contacted numerous family members but has also contacted my employer. They have no legality to pursue this debt. This was handled with the original creditor XXXX 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MA

Complaint narrative:
Please be advised that this is not a request for an investigation, but lawful written instructions and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681 a ( e ) an Investigative Consumer Report is defined as a consumer report or portion therefore in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not included specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DO NOT CONSENT TO ANY INVESTIGATION as it is my RIGHT pursuant to 15 USC 1681d ( d ) ( 1 ). I will also make known at this time that EQUIFAX can not lawfully verify anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that EQUIFAX verifies, must be done so under oath in the presence of a Notary. EQUIFAX is a corporation and lifeless, soulless, entity, it does not have the power to verify any information. If ant agent acting on behalf of EQUIFAX assumes the responsibility of verifying any information contained in my consumer report it must be done so having first-hand knowledge of such experiences, under oath and the penalty of perjury. Enclosed you will find a notarized Affidavit of Truth accompanied by exhibits. The following accounts and inquiries are being reported unlawfully pursuant to 15 USC 1681a ( 2 ) ( B ) -Exclusions-.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A credit card as defined pursuant to 15 USC 1602 ( 1 ) means ANY CARD, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. All accounts and inquiries listed were initiated and originated using my social security card which is a credit as defined by Congress under Title 15. They must be deleted immediately along with all old or inaccurate information. This is written instructions pursuant to 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I noticed the debt on my report from XXXX XXXX it was for a medical bill the medical bill is not for me and the debt collect has failed to send a signed contact by me of any kind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I'm resubmitting from a previous complaint for these reference numbers, since I could not attach documents as a response on the original issue : CFPB Complaint # XXXX Original Creditor : XXXX XXXX XXXX 
Assigned Creditor : XXXX XXXX XXXX. 
Reference Numbers : XXXX -- -- - Original Complaint -- -- - On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered Lyft rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, XXXX XXXX XXXX collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.

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 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Home Loan Center, Inc.
State: CO

Complaint narrative:
I was seeking information on a auto refinance on XX/XX/XXXX around XXXX. I input information and within 7 mins my phone phone was being blown up with phone calls and text messages. As of today XX/XX/XXXX I've had 27 calls and 3 text messages. Please make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, My last attempt to resolve this issue I requested XXXX, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile. Since i have not received documentation from XXXX files to verify the accuracy of these disputed accounts please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). 

Account are as follow : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation