vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed 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. 

Account name -XXXX  account numberXXXX Account name - XXXX XXXX  Account number XXXX Account name XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX  Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX  Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number 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 2023-02-17 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: IL

Complaint narrative:
I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed 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. 

Account name -XXXX account numberXXXX Account name - XXXX XXXX Account number XXXX Account name -XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name XXXX Account number- XXXX Account nameXXXXXXXX Account number- XXXX Account name XXXX Account number- XXXX Account nameXXXX XXXX Account number 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 2023-02-17 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: MD

Complaint narrative:
The XXXX XXXX XXXX reporting on my credit report is FRAUD and FRAUD by the credit reporting bureaus and fraud by XXXX 's

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AZ

Complaint narrative:
XXXX reported a violation on a background check that wad well over 7 years. They processed a background check disclosing a charge from a XXXX  almost nine years old the background information came from XXXX XXXX XXXX XXXX. The arrest was from XXXX with a XXXX set aside and is still being reported on a background check to checr for the company XXXX in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I was contacted by a debt collector and they claimed I am responsible for a debt with a cable company. I told them that I dispute the alleged debt and that all further correspondence with me shall be put in writing. Then on XX/XX/XXXX the debt collector called me again. I reiterated that I am disputing the alleged debt and that all further correspondence with me is to be put in writing. On XX/XX/XXXX, I received the first written correspondence from the debt collector. 
On XX/XX/XXXX, I responded back to the debt collector, in writing that I was disputing the charges and asked that they provide me with a " valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date the last payment was made. '' as well as all invoices for the past several months where ongoing service charges, late and restoration fees were being applied to my account. 
The debt collector only provided me with the last invoice from the cable company. 
In a subsequent call with the debt collector on XX/XX/XXXX, the debt collector agent told me that I had to pay the debt otherwise they would negatively impact my credit score even though I had told them that I was disputing the debt and had done so in writing within the 30 days for receipt of written communication with the debt collector.

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 2023-02-17 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Company refuses to delete information on my report that was aquired by a third party which goes against FCRA 611 [ 15 U.S.C 6811 ] Law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/2022, as I was filling out a PayPal Credit application, PayPal claims I opted into a security protection program that I have no recollection of enrolling. I feel the option must have either been pre-selected or otherwise not abundantly clear. My husband is helping me with this as I speak limited English. But I absolutely did not intentionally enroll in this program. I only recently became aware ( yesterday ) that I was being charged for it, and when I realize what was happening, I immediately canceled online. I contacted PayPal Credit, who referred me to Synchrony Bank, which apparently administers the program. I explained what had happened, and asked for a refund of the previous months ' charges, and they refused saying the cancelation came more than 90 days after enrollment. I tried to explain that I have no recollection of enrolling, but they say I did. Had I known they were charging me within the window, I would have canceled. Even though I didn't, since it's mid XXXX, and they say I enrolled in XXXX, I can't be that far out of the XXXX window. I feel they are taking advantage of me, and are not being reasonable given the circumstances. I am in enough debt already, and this represents a sizable amount of money. Can you please help 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 monetary relief
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my crediXXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/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 2023-02-17 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: PA

Complaint narrative:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXXXXXX XXXX dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: LEXISNEXIS
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: ID Analytics, Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: CA

Complaint narrative:
I am writing to request the method of verification for dispute initiated on XX/XX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX XXXX. Account # XXXX XXXX. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXX. The creditor 's address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute

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 2023-02-17 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: GA

Complaint narrative:
In Accordance with the fair credit Reporting Act. The List Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These companies have violated my right to privacy. 

15. U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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. The List Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These companies have violated my right to privacy. 

15. U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish a account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurate. Its reporting that the bankruptcy court as the furnisher and thats false, inaccurate, forgery and misleading when the courts dont report this type of account to the credit bureaus. I called and I attached my letter from the courts and it states that they dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that.Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. TRANSUNION IS BREAKING THE LAW AND COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). According to 15 U.S. Code 1681s2 this is my 4th dispute and the furnisher which is the Bankruptcy court never reached out to me because clearly, they dont report it and I called to dispute it with them and they say its nothing to dispute because they dont deal with the credit reporting agencies. So you continue with all those lies you guys continue to tell so how can you say something is accurate when you cant directly communicate with the source which is the Bankruptcy Courts.

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 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group
State: MO

Complaint narrative:
I was contacted twice in two day 's time by Superlative RM. At both points of contact, the agent and his superior were demeaning, derogatory, questioned my intent to resolve, and accused myself and my partner of having unreported funds with which we were capable of resolving the debt. They pushed unnecessarily for closure of the debt, while I insisted on a 7-day time frame with which to discuss financial means to close the account. 

During the initial call, my assigned agent became so insistent and derogatory that he worked himself in to a frenzy and begun yelling. His supervisor curbed his enthusiasm enough to not yell, but was almost as aggressive and demeaning. 

I ended the call with a request for electronic confirmation of agreement to settle at which point i would return a call to follow up... which was never sent. 

They called the following day asking why I hadn't reached out, with veiled accusation of avoiding the debt. Again, pushing for immediate settlement, and dismissing reasonable request from myself and my partner. 

If this is common practice for this company, i will avoid interaction with them at all cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: MA

Complaint narrative:
My name is XXXX XXXX I received my credit report information from experienwas breached Ive been trying to fix this situation out my own pocket since XX/XX/2021 {$830.00} credit repairs that have failed Im making official report Experian has failed to keep my information from getting breached and has effected my life tremendously financially.

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