vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeal I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : 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 2022-05-06 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: ProCollect, Inc.
State: LA

Complaint narrative:
This is my second time filing a complaint with Pro Collection, they promised to send me all original documents that I supposedly, signed with my original signature, and my consent to release my personal private information that was shared to Pro Collection then they shared it with XXXX different people, I never signed anything to give them the right to share my information, that is also a violation of THE HIPAA LAW. My next Complaint will be to the Attorney General. I have not yet received any of these Documents. All information is incorrect and they shared it anyway.

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 2022-05-06 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 have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX XXXX  Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXX not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX  XXXX.XXXX. : Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA XXXXhisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX  : Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXX not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX XXXX XXXX Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.

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 2022-05-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO XXXX AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO XXXX AND EXPERIAN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 2022-05-06 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: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeal I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX ( Original CrediXXXX XXXX XXXX XXXXXXXX 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 2022-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I got a procedure done at the XXXX  and i had insurance and secondary medicaid. I informed hospital to send remaining balance to secondary medicaid through phone calls and letters. XXXX sent bill to collections. Letter was sent to collections to stop sending bills due to this needing to be handled by XXXX  and XXXX and more bills keep coming in stating amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts- XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.

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 2022-05-06 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: GA

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or period 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. 

They stated my account was verified 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 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX  # XXXX XXXX/XXXX  # XXXX XXXX/XXXX  # XXXX XXXX/XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX DEPTEDXXXX  # 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 2022-05-06 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: CA

Complaint narrative:
The following are fraudulent inquires that need to be removed : XXXX ( XXXX ), XXXX  XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TX

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, had violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : a creditor may not treat payment on a credit card account Under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The available credit on my account is showing {$0.00} when it should be showing {$1900.00} based on the recent payment plus the disputes that have been resolved in my favor. Goldman Sacs ( Apple Credit Card ) has not updates my available credit and they will not give me an answer as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-05-06 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: CrossCountry Mortgage LLC
State: RI

Complaint narrative:
In Accordance with the fair credit reporting at CROSSCOUNTRY MTG/XXXX  # XXXX Has violet my rights 15 usc 1681 section 602 state I have right to privacy 15 USC 1681 section 604 A section 2 : Ut also state consumer reporting agency can not furnish a account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment On mortgage account under or open end consumers credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act : The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. State 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed my consumer report and have found that the accounts listed in the attached document are extremely inaccurate. A consumer reporting agency must reinvestigate the disputed information " within a reasonable period of time '' and " promptly delete '' credit information that has been found to be inaccurate or unverifiable. XXXX XXXX. XXXX ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank 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 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 2022-05-06 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: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 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