vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear CFPB, On XX/XX/2021, I reached out to TransUnion about my unauthorize credit inquiry and they did not remove them from my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify. They did not give me any response. I demand to see the Verifiable Proof an original Consumer Contract with my Signature on it on and they did not show me 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 explanation
Consumer complaint received 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Io, Inc.
State: FL

Complaint narrative:
XX/XX/2020 I went to XXXX XXXX. I paid via insurance and supposedly still had a copay although my deductible was reached for the year, my insurance paid all costs. It was sent to collections and I never received any emails, letters or phone calls regarding this collection. When I tried contacting Receivable Management Systems, they did not answer. Their website is a scam, reviews state this is a food restaurant. I have tried disputing this a few times. I would like this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19

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 2021-10-07 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: FL

Complaint narrative:
XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX  60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19

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 2021-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-10-07 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: NC

Complaint narrative:
For the past few years I have been working on repairing my credit. I have sent three or four disputes to XXXX in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that XXXX is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.

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 2021-10-07 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: NC

Complaint narrative:
For the past few years I have been working on repairing my credit. I have sent three or four disputes to XXXX in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that XXXX is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.

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 2021-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
previously deleted item was reinserted without notifying me within five ( 5 ) days of re-inserting a previously deleted item.

Credit Bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

The Account was not mine and the result of identity theft Bureau is refusing to block it even after I filed again a new FTC Report Number : XXXX, under identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the XXXX XXXX breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the Equifax Data breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TN

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Transunion and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, Closed date XX/XX/XXXX XXXX. XX/XX/XXXX last activity, XX/XX/XXXX closed date Transunion. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, XX/XX/XXXX Transunion and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing Transunion XX/XX/XXXX, XXXX has no date nor does XXXX. Closed Date is different, XX/XX/XXXX XXXX, Transunion XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.

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 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I sent debt verification letter on XXXX Certified Mail and I did not receive a response. This is my second attempt to contact and verify this debt, and both times have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, Closed date XX/XX/XXXX Equifax. XX/XX/XXXX last activity, XX/XX/XXXX closed date XXXX. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, XX/XX/XXXX XXXX and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XXXX XX/XX/XXXX, Equifax has no date nor does XXXX. Closed Date is different, XX/XX/XXXX Equifax, XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/2021,XX/XX/2021, XX/XX/2021 I sent in a request for validation to said company Fair Collections Outsourcing ( FCO ). Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company regarding validation! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter. 

Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g- VALIDATION OF DEBTS, you are only to sent the following within 5 days of initial communication : ( a ) Notice of debt ; contents Within five days after the initialcommunicationwith aconsumerin connection with the collection of anydebt, adebtcollector shall, unless the following information is contained in the initialcommunicationor theconsumerhas paid thedebt, send theconsumera written notice containing ( 1 ) the amount of thedebt ; ( 2 ) the name of thecreditorto whom thedebtis owed ; ( 3 ) a statement that unless theconsumer, within thirty days after receipt of the notice, disputes the validity of thedebt, or any portion thereof, thedebtwill be assumed to be valid by thedebtcollector ; ( 4 ) a statement that if theconsumernotifies thedebtcollector in writing within the thirty-day period that thedebt, or any portion thereof, is disputed, thedebtcollector will obtain verification of thedebtor a copy of a judgment against theconsumerand a copy of such verification or judgment will be mailed to theconsumerby thedebtcollector ; and ( 5 ) a statement that, upon theconsumers written request within the thirty-day period, thedebtcollector will provide theconsumerwith the name and address of the originalcreditor, if different from the currentcreditor.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
what has been happening is comenity bank has not removed the report from my credit to show it has been paid. 
i have paperwork show i have paid this off. i was told by XXXX  that if i paid it off this would be closed and taken off all 3 reports!

come to find put XXXX  works for XXXX XXXX so i paid XXXX  XXXX while i was paying it off the debit to XXXX. 
must had been sold out while i was paying it off... i didnt know this! 
i am being told from com bank that they didnt get my payments so this can't be removed? 
i want this removed as i have paid it off. i was lied too... how would i know??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation