vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-19 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: GA

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 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 explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received my credit report and found several inquiries that were not authorized by me. The inquiries are all from XXXX XXXX. I contacted XXXX XXXX and received the attached letter dated XX/XX/22 from XXXX XXXX wherein XXXX XXXX admits that the inquiries were not authorized by me and informs me that they have told the credit bureaus to delete them. XXXX and XXXX did delete them. Equifax did not delete them. I have attached a copy of the letter from XXXX XXXX to this complaint. In addition, I have filed a disputed on Equifax 's website regarding these inquiries. The Equifax dispute number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is incorrectly reporting 5 credit accounts associated with a deleted chapter XXXX bankruptcy. Experian has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 6 months for these 5 credit accounts. Experian has deleted an erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, but has neglected to delete these accounts associated with the deleted chapter XXXX bankruptcy. The accounts needing DELETION are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX AND 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 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
This is re-opening the complaint that Wakefield provided in which they claimed the debt was owed. We have provided this by mail previously. Our family deductible was met prior to the date of the medical visit, which covers the aforementioned debt. Attaching the bill and the date we previously disputed it. Bottom line, our debt is not valid. 

Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXXXXXX XXXX  2021. We provided documentation multiple times to CEP, to Wakefield, by mail. XXXX  collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXXXXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to my Experian report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to Experian and I disputed with Experian and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. Experian is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is Experian siding with the wrongful collections company, when I as the consumer for Experian, have more proof that the debt is incorrect?

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be 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 explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXX XXXX XXXX / XXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

DPT EDXXXX XXXX Balance {$XXXX} XXXX formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance {$XXXX} You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be 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 explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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 - XX/XX/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 XXXXXX/XX/XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX 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.

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 2022-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: MI

Complaint narrative:
Ive called multiple times about the extreme interest rate and told them I can not afford the payment. The payment amount and finance fees were not disclosed to me upon applying. Ive paid all my payments on time and they only apply a small amount. The interest is over 600 % and is predatory lending. I have been sent emails saying they would reduce my interest rate based on timely payment but when I called they couldnt offer it. This company has violated UDDAP policies.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
Western Union : Transaction Date : XX/XX/XXXX Transfer Amount : XXXX USD Transfer Fee : XXXX USD Additional Fees : XXXX EUR Expected Payout Location : XXXX Comment : They received my refund request, and I have case number which I can provide. 
Also, they ask me to allow 30 days for processing which was since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Multiple charges on my card from an XXXX account that was not my own. Charges at restaurants Ive never attended. Ive contacted the company multiple times and they just say it pending. They sent one letter saying to contact them and then denied my claim. If they truly invested they would see it wasnt my XXXX account that was used. Also was charged {$XXXX} annual fee that was never disclosed to me, when I called to try and cancel the card and refund my fee they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to my XXXX report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to XXXX and I disputed with XXXX and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. XXXX is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is XXXX siding with the wrongful collections company, when I as the consumer for XXXX, have more proof that the debt is incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent 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.

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