vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On or around XXXX MBA LAW obtained private and confidential medical information about me and my XXXX  child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verfication in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected informtation including social security numbers and insurance policies of that of my XXXX  XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themseleves as lawyers and debt collectors yet do not and did not have a NMLS # vaild for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX  and XXXX XXXX. After many arguements and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudlent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and attornies and then ignored me. Assetcare and capio parteners aso have NMLS # that are not vaild in the state of flotida and have resold the fraudlent debt. I recieved a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an immensible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
I've sent in countless disputes about a XXXX XXXX ACCOUNT on my credit report. experian will not send me any signed contracts with my signature verifying that the debt is mine. this is not my account.. CFPB HAS JUST FINED XXXX XXXX FOR SUCH ACTIONS PLEASE DELETE THIS ACCOUNT IT IS NOT MINE According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

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 2022-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On or around XXXX MBA LAW obtained private and confidential medical information about me and my minor child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verification in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected information including social security numbers and insurance policies of that of my minor XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themselves as lawyers and debt collectors yet do not and did not have a NMLS # valid for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX XXXX XXXXXXXX XXXX. After many years and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudulent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and lawyers and then ignored me. XXXX XXXX XXXX XXXX  who represent themselves as a law firm also have NMLS # that are not valid in the state of florida and have resold the fraudulent debt. I received a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an incredible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I had contacted First Credit Services several times over the past week and received no response. They provide the option to pay online but no way to actually do this. I need to know how to submit payment online because I do not have enough information given by your company to complete the payment section online. At this point, they have called me after requesting them not to so they should be paying me at this point. 

I formally requested a validation letter of my debt. As per their original document, I am requesting this before XX/XX/XXXX so you must stop collection of this debt until you provide me with the requested documents. Any attempt to contact me after my originally request on XX/XX/XXXX at XXXX EST ( to which they have already attempted to contact me through phone on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX ) is a violation to my rights under federal law. I have requested this numerous times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) through the email provided and the contact us section of their website and I still do not have any documents yet they continue to pester me through phone calls and voicemails. 

I requested that they DO NOT attempt to contact me through phone. They may only contact me through email or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXX, XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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 2022-08-06 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  AccounXXXX 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 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 2022-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
I was contacted on XX/XX/XXXX from Meade and Associates via phone call in regards to a supposedly unpaid medical debt from XX/XX/XXXX and XXXX of XXXX. I was first told that there were two bills ( one for {$150.00} on XX/XX/XXXX and one for {$48.00} on XX/XX/XXXX ) from XXXX XXXX XXXX. I had not received a written letter from the collection company nor have I received these bills from XXXX. I contacted XXXX billing and they confirmed that I had paid these in full through both of my insurance companies. I confirmed the reference numbers and amounts provided by Meade and confirmed that these are the paid bills in collections. XXXX agreed to send a letter to me via snail mail confirming the amounts paid in full and I should receive it in 10 business days. This information was shared with Meade and Associates. They did not respond.

When I called Meade and Associates back, they changed t
heir story. Now, they are claiming that XXXX XXXX submitted the debt. I called the XXXX  department who were confused as they do not handle billing and they forwarded me to the billing department who again, confirmed I paid in full and should not be in collections. I relayed this information back to Meade with no response. I even called my doctors personal billing department and they have no record of me in that unique department so I could not have a debt as I do not have a profile/account. 

Today, on XX/XX/XXXX I received another call from Meade and Associates with a NEW story from them. Meade claimed to have contacted XXXX on XX/XX/XXXX and said I had an outstanding balance with XXXX. Apparently, Meade and Associates have been emailing back and forth with XXXX XXXX XXXX ( which I have never been to before ) about me and my debt. When I asked for the email they ( Meade ) were emailing to, they refused to give it to me. I called XXXX and spoke with several supervisors who were all just as confused as me because Im not in their system nor do they work with Meade and Associates for collections. XXXX believes this is a scam at this point or potential fraud. 

It has been over 7 days since Meade and Associates have first contacted me. I still have not received a straight answer where this debt has come from, who sold it to them, who to contact, nor have I received a written letter confirming this supposed debt from this collection company.

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 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.

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 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-08-06 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXXXXXX XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that 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 2022-08-06 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: PA

Complaint narrative:
I have been disputing the following fraudulent inquiries with Equifax credit bureau for over a year now. I mailed them proofs several times. They removed the fraudulent inquiries then the following day the reported them again. I did submitted a complaint with CFPB on XX/XX/XXXX against Equifax to delete these fraudulent inquiries. Equifax response was We deleted these fraudulent inquiries but they didnt. Im attaching all the documents to show how Equifax doing business and how Equifax insisting to report inaccurate fraudulent information to my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation