vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a let out on XX/XX/XXXX to Transunion, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's 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 include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a let out on XX/XX/XXXX to XXXX, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB to Experian However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX  : XXXX XXXXm According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's 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 include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.

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 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berman & Rabin, P.A.
State: KY

Complaint narrative:
All XXXX XXXX XXXX XXXX has turned my account over to a collection agency. However, even after doing so, they continuously call me, and they continue to send me bills that have increased 10 times over compared to what the collection agency states is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: ERC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Fig Tech Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We are a business checking account customer with BMO Harris Bank. BMO Harris has two different portals for online banking. bmoharris.com ( digital banking ) which we use daily and is secure. They also have the portal XXXX XXXX XXXX XXXX ( XXXX ), which was not secure. In XX/XX/XXXX we faced numerous issues with the XXXX and our ability to secure the credentials for the security of the site. We communicated these issues to BMO Harris ( see email dated XX/XX/XXXX with BMO bank employee XXXX. It was our decision then to close and lock the XXXX access as we could not use it or secure the site. We chose to use the XXXX XXXX instead, which we had secured. Harris replied on XX/XX/XXXX that the XXXX was locked ( see email dated XX/XX/XXXX ). This proves our request was made, received and supposedly acted upon by XXXX XXXX. On XX/XX/XXXX fraud actors accessed the XXXX and initiated a wire transfer out of account ( see wire payment confirmation ) for {$49000.00}. This transaction should never have worked as we had requested and received prior verification of our reasonable request to close and lock user access on the banks end to prevent this from happening. the bank was negligent in its handling and therefor at fault. After months of requests for records, to which the bank is refusing to provide, we received an email chain from the XXXX once again surrounding the closure of our XXXX portal. The email chain improperly sates that it had not received any such prior request, however the email we have dated XX/XX/XXXX clearly is proof to the contrary ( see email chain dated XX/XX/XXXX ). The banks improper handling of the account holder 's requests given the nature and concerns surrounding the inability to secure the user access, the prior instruction to close it and lock out access and the banks failure to ensure such action was taken despite its acknowledgments all clearly demonstrate a bank error that led to the financial harm of its customer. We request an immediate refund of the fraud dollars not recovered.

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 2022-12-19 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: KS

Complaint narrative:
I have no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
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 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
Im a Vet Whose VA Hospital sent me to another civilian hospital because they couldnt handle the situation in house. Besides being billed for this, I was also billed for the Ambulance ride. The {$1200.00} XXXX mile ambulance charge was paid off but not the Hospital. This has always been covered in similar situations but this XXXX wont go away. My Credit is taking a dive for something that isnt even my responsibility. 
Ive called them numerous times but have been on hold for over an hour on more than XXXX occasion. Still notta.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
We were in a forebarance with previous servicer and finishing up paperwork for a partial payment claim when transferred to Carrington Mortgage. They took forever to get paperwork then took us out forbearnace without knowing and reported us late to credit bureau. I would like the late payments take off we were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I have wrote to Sage Stream LLC to put a security freeze on my Sage Steam credit report. and for Sage Stream LLC to send a confirmation letter when it is file. I am yet to receive a confirmation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 — Problem with personal statement of dispute
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
So XXXX sent money to an agency FRONTLINE ASSET STRATEGIES. I disputed the collection on XXXX, and I just found out that theyre continuing to say I still owe them when I dont. I was in a month to month plan with XXXX XXXX was not in a contract with XXXX and I owned my phone so I was able to cancel and switch services at any time. I waited until the month was over that I had paid for and I switched over to XXXX XXXX to save myself {$25.00} a month. I ended up in XXXX XXXX XXXX for a couple weeks during that time, so I was never able to formally go into the XXXX store or call them to tell them that I was switching companies. But regardless, I was paid up to date and they can see on their end that the XXXX  number wasnt active anymore, due to me changing numbers and getting a new SIM card. But the whole point of being in a month-to-month plan is that youre not in a contract and that if you dont pay then your phone is shut off until you do pay. Had I not gone to XXXX I would had formally been able let them know. I was innocent and its sad we pay the cops salaries to destroy citizens lives everyday with ridiculous charges and treated horribly because they all have ego trips and should not be cops. But because of that, I had to spend what I had on a lawyer and XXXX, and am XXXX XXXX XXXX and the XXXX who lied and got me XXXX so he will be dishonorably XXXX for false report. Long story short, I had a lot of other stuff on my plate, to keep my freedom and the last thing that was on my mind was calling XXXX to say hey I switched companies. And like I said earlier, since I was not in a contract, I owned my phone and was paying month-to-month, I thought that they would just turn off my service until I paid for the next month, or they would see that i no longer had XXXX SIM card. I have the same plan with XXXX XXXX, and if you dont pay, they shut off your service until you do pay and thats how I thought XXXX was because there had been times previously where I couldnt afford my phone bill and they just turned off my service until I made a payment within a certain amount of time. Once I put in a new Sim card and changed my phone number, they know on their end that I am no longer with them, and I refuse to pay them {$120.00} when I dont owe that to them and theyre trying to be difficult which is the reason I left them in the first place always trying to hit you with hidden fees and saying you owe money for this your bill is more expensive this month. They are always so shady I dont owe them a penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: OH

Complaint narrative:
I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response.

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 2022-12-19 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: AZ

Complaint narrative:
I applied for a loan on lending tree to see what my options were without affecting my credit. I was suggested a company called XXXXXXXX XXXXl while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America The bank agreed to refund the {$25.00} fee but did not follow through. I called back and was told that there was nothing more that they could do, due to the system. 

This is really not worth the time, but it is WRONG.

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 monetary relief
Consumer complaint received 2022-12-19 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
On XX/XX/XXXX, I was checking my emails. I noticed I was receiving an email from my identity alert subscription, informing me that I was in collection. I contacted them ( collection agency ) Helvey and Associates ( XXXX ). They informed me it was over an electric bill from XXXX XXXX, in the amount of {$190.00}, from XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX Ohio. I sold that house in XXXX. They said, they were attempting to contact me, but they were sending it to XXXX XXXX, which was the house I sold. They did not send me a DEBT VALIDATION LETTER. I watched my credit rating go from XXXX to XXXX. A drop of XXXX points. This needs to be addressed ASAP. I think both XXXX XXXX ( XXXX XXXX ) and Helvey and associates ( collection agency ) ( XXXX ) should be reprimanded to the fullest extent allowed. I don't understand how an agency can just attack someone's credit score for no reason or proof of any wrong doing. I will be happy to provide any and all information needed, that may help prevent these people from attacking other people, with no evidence or reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
I have attached an FTC report with a collection that is reporting to my Transunion report that is Identity theft, the address they are telling me is mine is not mine and it is not an address on my credit report. I have attached proof of residence my drivers license and my social. Please delete this account and delete the unauthorized inquiries listed as well

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