vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX XXXX is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account

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 2022-06-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX How is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX, with XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX, with XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 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 2022-06-25 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: OH

Complaint narrative:
I requested all bureaus do an investigation on the account I have listed below. 

According to the FCRA, the term investigative consumer report means a consumer report or portion thereof 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. 

XXXX and Experian stated my account was accurate/updated ( pages XXXX attached document ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing/highlighting the inaccuracies ( pages XXXX attached document ). 

Account : XXXX : XXXX ( XXXX ), XXXX ( Experian ) Also, In accordance with the Fair Credit Reporting Act, 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 : 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 2022-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: MO

Complaint narrative:
In 2020, I was an heir in my grandmas estate. We sold her house but before I could receive my share, I had to pay off 2 credit cards, Discover being one of them. Last month, I find that Discover is garnishing my wages! Case XXXX. I was not even aware of this until today. My son, who is XXXX, and I are XXXX! I already paid the debt. XXXX XXXX XXXX in XXXX, Missouri can attest to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I placed an order for landline phone service in XXXX of 2021 and was told by the representative that this was a service offered. At the time I started a work from home position that required landline only phone service. I was very clear that it had to be landline not XXXX XXXX XXXX XXXX ( XXXX ). The appointment was made for installation and what I expected to be a lengthy visit with an installer coming inside to look at my indoor phone outlet ended up being a notice from XXXX stating that services were on and they then provided me with a working number. I called the representative to try to understand why they did not need to come inside for a landline installation and was then told that I was sent an order for XXXX. I again explained that I needed an actual landline phone at which time they rescheduled another appointment for the correct install. The next install came out and I was advised that they do not offer landline services and it was done through another company. They were not able to connect me with anyone and no one ever connected landline services. The services they did install was never used. I ended up calling XXXX business to setup the landline services needed. I have spoke to them directly and also disputed through all three bureaus. I have asked what I am being charged for and have yet to get an answer. This is now showing as a collections account on my credit and has affected me greatly. I didn't receive the services I ordered and I never used the services that were given. I cancelled immediately and was told that I owed nothing.

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 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Representing XXXX XXXX XXXX Has a charge off that states Highest Balance as {$220.00} But Shows Status Other as {$290.00} Total. I've ask what is the {$290.00} And I wanted a copy of the Original Bill. As of this date XX/XX/22 I've not been satisfied in either case. 
XXXX Does Not have the Original Bill!! Can I please get some satisfaction In this matter??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
some one is running my credit for credit card I didn't apply for anything

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 2022-06-25 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:
MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2022-06-25 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX XXXX Account 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

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 2022-06-25 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: DE

Complaint narrative:
My ex husband and I submitted documents in 2019 that mentioned that my husband would be taking over the time share and payments. I was unaware that they never received the documentation that supported me and my ex husband were getting a divorce, However this company did send us documents to return back to them for a deed and XXXX. As of XX/XX/XXXX this company has received our documentation in full and we were advised that this process can take 9 months to one year. A few months later I called this company back and was informed it should never take that long but it would take anywhere between now and XXXX days these. As of today my credit report is still reflecting that higher balance. I am unable to purchase a home for me and my children because this debit larger than what I make in a year.

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 2022-06-25 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There is incorrect information on 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 non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, {$270.00} I stated to Rep that account does not belong to me and Rep agreed to remove false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Social Finance, Inc.
State: AZ

Complaint narrative:
My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in SoFi and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My sofi card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
N accordance with the fair credit reporting act XXXX account * has violated my rights. 
*-accounts 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 XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 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 2022-06-25 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account 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

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 2022-06-25 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account 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

Company response to consumer: Closed with explanation