vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: OR

Complaint narrative:
I originally called for the first time in the beginning of XXXX of XXXX. I don't have the exact date that I called but it was around the XXXX. The lady on the phone immediately asked for my credit card information. I then explained that I called to let them know that I just realized this was on my credit report and intend to pay when I get my tax return. I think it was XXXX who I spoke to and everything went well. 

I then called XX/XX/XXXX and asked for more information on the debt. The lady on the phone told me that she couldn't send me any information and that I would have to call my insurance. I told her that I would do so and give them a call back. 

I then called the debt agency back to let them know that I am now waiting for the itemized bill or validation of the bill. As I was talking the lady on the phone she asked my first and last name, when I responded, she told me that I had " too many letters ''. She then asked what my account number was and I told her I didn't know and if she could please give that info to me. 

I think this is when she started getting angry because she said my account number incredibly fast. I asked her to repeat the number and she instead kept asking me for my credit card information. I told them that I intend on paying them when I get the itemized bill and more information on how much/what I owe. She then kept interrupting me and stated " I'm going to chart that you have no intentions of paying this back ''. I kept trying to correct her and told her that I do intend on paying I just need to validate my debt. She started yelling at this point and kept saying over and over " I'm charting that you are not going to pay, we are going to further pursue this and your debt. '' I kept repeating " I do intend to pay I need an itemized bill or proof/validation of this bill. '' She also told me that they contacted me in XXXX which wouldn't have been possible, and when I corrected her she told me she " meant XX/XX/XXXX ''. She also gave me a different amount of debt from what the first lady told me and I had to correct her on that as well. The phone call eventually ended, and I managed to be respectful as I know it must be hard to be a debt collector but it was pretty upsetting and disrespectful to be talked to this way. 

When the call ended I called the agency back about 5 minutes later hoping that I would get a different person to talk to. I called back 2 times and I got no answer or a voicemail.

The 3rd time I called ( after speaking to the last lady ) I got someone else to talk to and told her that I just wanted to confirm that I was waiting for an itemized bill. She said that she would chart it, and then hung up. 

I feel that it is my legal right to have validation of this debt before making any decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been an ongoing issue since XXXX of XXXX. The reasoning behind this complaint is that I am unable to see my Equifax credit score anywhere BUT Equifax.com. By law I should be able to pull my score collectively from any platform. With the Score showing as a XXXX on multiple platforms, I fear it is affecting my chances of getting any approval for a line of credit/any funding. On the Equifax website, it states that XXXX XXXX, XXXX. is who is the partnered party involved with reporting an accurate credit score, so I am requesting Equifax verify my score with them, as well as Equifax do their due diligence to be sure my score up to dateshowing as a valid score in all of their internal and external systems. 

Please refer to personal statements and screenshots sent out in hopes of rectifying this issue before now. I have spent so much money going back and forth with Equifax via mail, I just need this resolved immediately. Will not go another month not knowing whats going on with my score, and why it will not show up anywhere else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-28 00:00:00
Product: Credit reporting 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request proof of submission for a loan or credit account. This was not provided by either company or credit reporting agency. this is because it was part of a Identity theft breach. 
I provided information proving the Identity theft. The CBNA inquiries need to be removed from my credit report. All of them. No one tries the same company and application this close apart after being denied except if its identity fraud. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
've been paying Experian a monthly fee for their credit protection service, " Identity Works Premium. '' Experian stated they would provide access to a dedicated fraud resolution specialist in the event of ID fraud/the. However this same company, Experian, has now reposted to my credit bureau report the same fraudulent information that they have previously deleted SEVEN ( 7 ) times a er identifying it as fraudulent. I have attempted to reach the fraud resolution specialist that that I'm paying for numerous times over the past many weeks but the extension number they gave me is for an unnamed, unattended voice-mail and none of my calls have been returned. This is the second fraudulent debt collection that has posted since XXXX and I have now started receiving calls without a message being XXXX from a number identified as another debt collector that they previously deleted. Experian is taking money for protection from a crime they are actually committing by continuing to repost debt previously identified as fraudulent and deleted. This practice is also harassing. I have also filed reports with the NV Attorney General and the FTC

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 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I got unrightfully evicted in XX/XX/XXXX. I owe about {$4100.00}. First of all, the apartment place I lived charged me extra charges for missing keys and such I never had, so Ive been wanting to dispute all of it. 

To start out with Procollect ; I called on XX/XX/XXXX about 3 times in under 4 hours. In this time I got several different responses by different people. They told me I could get the debt taken off my credit report if I called back on the same day before XXXX. 

I then proceeded to hang up and get my payment ready and called again. A different person answered, I went over the information with her and she proceeded to tell me it is not in their power to take it off my report. So I didnt pay AGAIN. I hung up went to the bank and transferred money again. 

I then called a 3rd time because money was all set up and ready to pay, this person tells me my card is declining, I have until XXXX on this day to call back and get it taken off my report. 

This was all under 4 hours. The first person I called gave me until XX/XX/XXXX. Second person I called gave me until XX/XX/XXXX and the last person I called gave me until the night of XX/XX/XXXX. Every time I called they gave me one less day to pay as well. 

The last person I spoke with was also very rude and hung up the phone when I was asking questions about the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complanit Report number XXXX states accounts I disputed was remove. 

NONE have been removed. 

reported fix states Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. NON REPORTING DISPUTES Inquiry : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The XXXXTransUnion Credit Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 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 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The XXXXEquifax/XXXX XXXX  Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The ExperianXXXX Credit Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 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 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX called me XXXXXXXX XXXX  they called themselves XXXX XXXX badge number XXXX I blocked and they called XXXX to share my screen and get me to do fire fraud XXXX I tranfered XXXX to XXXX XXXX XXXX I called real wellsfargo to pause account I call the FBI around XXXX to make IC3 report they me to do it online then around XXXX I called to get account info to call XXXX XXXXXXXX XXXX and do the IC3 report I am told that they can't give it. So I go to the bank in person XXXX they also said they couldnt give to me :

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief