vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: GA

Complaint narrative:
I filed a dispute with TransUnion on XX/XX/2022 asking them to verify some information on my report. After almost two months TransUnion replied that they are " unable to locate report # dispute request ''. 

My dispute was sent to them via certified mail with both my proof of identity and proof of address. 

The Credit bureau has not stated whether my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act Ford account # XXXX has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for purpose.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX Bank Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX  Account # XXXX XXXX, have 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 non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on 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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I XXXX XXXX date on XX/XX/22 am demanding Wakefield and Associates to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?

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

Complaint narrative:
In accordance with the fair credit reporting act 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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on 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 non-monetary relief
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
XXXX credit keep popping up saying i owe them this is fraudlent pls remove off my aacount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
There is a collection agency mark on my credit for an unpaid medical copayment. The medical payment should have been sent to my health  insurance and billed to me or notified me or collected payment at time of services rendered for copay as shown on my insurance card. My health insurance is XXXX XXXX XXXX XXXX ID : XXXX. 

This is in relation to an emergency room visit that took place in XXXX. 

For clarification, this company did not contact me - I noticed it on my credit report while checking it.

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 2022-06-05 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: NV

Complaint narrative:
in accordance with the fair credit reporting act 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 with out my written instructions.

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

Complaint narrative:
XX/XX/2022 EQUIFAX dropped MY CREDIT SCORE XXXX POINTS TURNING THE VERY ADVICE THEY LIST TO IMPROVE CREDIT AGAINST ME 1 : PAY DOWN CREDIT CARD BALANCES AND LOWER CREDIT USAGE-I PAID DOWN ALMOST {$4000.00} IN CARDS AND NOTIFIED THEM IN A DISPUTE-WHICH TOOK ALMOST A WEEK RE THE COMPLAINT WHERE THEY WERE STONEWALLING ME -AND BLOCKING MY ACCESS TO DISPUTE THE NEXT COMPLAINT AS THEY HAVE JUST DONE AGAIN TODAY XX/XX/2022 AT XXXX XXXX  eastern time PLEASE SEE A PICTURE OF THIS ACTION WHICH THEY HAVE DONE AT LEAST 10 TIMES AFTER ONE ATTEMPT AT LOGIN TO MY EQUIFAX AS A DELIBERATE AND PREMEDITATED MOVE TO DENY MY RIGHTS PER THE FAIR CREDIT BREPORTING ACT FORCING ME TO SIT ON THE PHONE FOR HOURS AND SPEAK WITH PEOPLE FROM XXXX, XXXX ETC OR WHEREVER WHO ARE DIFFICULT TO UNDERSTAND AND USE THEIR NATIONALITY TO CONTINUALLY BLOCK MY EFFORTS FOR A FAIR AND EQUITABLE DESCRIPTION OF WHAT I WISH TO DISPUTE WHICH ARE THE OBVIOUS DELIBERATE ACTIONS TO SABATAGE MY CREDIT DUE TO THE FACT I WISH TO EXERCISE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT XX/XX/2022 EQUIFAX JUST DROPPED MY CREDIT SCORE ANOTHER XXXX POINTS FOR THE SAME VAGUE REASONS THEY DROPPED IT IN XX/XX/2022 MAINLY FOR PAYING OFF THE REMAINDER OF THE XXXX ( {$25000.00} CONSUMER LOAN ) AND PAYING DOWN {$4000.00} IN CARDS, NOTE PRIOR TO PAYING ALL TJESE BILLS MY SCORE IN EARLY XXXX WAS XXXX IT IS NOW XXXX THIS IS INEXCUSABLE AND I DEMAND A FULL EXPLANATION FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV

Complaint narrative:
I reached out to the company and the person on my case is always rude. He told me about how if i do not decide to pay that my credit will drop more because they will be charging more interest or rate on it. After that phone call we talked again the next day and same person refused to take my call and gave it to somebody else that told me they were busy. They brought up on how i even tried to make a payment before and it made no impact so that i need to just pay the whole thing so that im not getting charged interest daily on my collection. I was also told that I recently ran my credit to apply for a car loan and that i should just pay my medical collection. 
Its really embarrassing knowing that not just one or two people but multiple people know my personal medical information and history and my credit information as well as if I recently ran my credit. I also need a break down of what was done at the medical facility for me to receive a high medical bill from only a 2 hour visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
wrong information and wrong address on file and i have had XXXX  XXXX XXXX on my report for too long i had tht account in XXXX and its XXXX experian wont remove it pls 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 explanation
Consumer complaint received 2022-06-05 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: CA

Complaint narrative:
I disputed with XXXX, XXXX and Trans Union that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, XXXX with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the XXXX major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to XXXX and Trans Union. XXXX online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with XXXX XXXX and provided the payment history and they provided the payment history to XXXX along with that I sent the information via US Mail to XXXX twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to XXXX, XXXX or Trans Union to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to XXXX, Transunion and XXXX XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a XXXX XXXX and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to XXXX for help in resolving this matter.

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 2022-06-05 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: CA

Complaint narrative:
I disputed with Experian, XXXX and XXXX XXXX that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, XXXX with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the XXXX major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to Experian and XXXX XXXX. XXXX online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with Credit karma and provided the payment history and they provided the payment history to XXXX along with that I sent the information via XXXX Mail to XXXX twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to Experian, XXXX or XXXX XXXX to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to Experian, XXXX and XXXX XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a XXXX XXXX and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to XXXX for help in resolving this matter.

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 2022-06-05 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: NV

Complaint narrative:
In accordance with the fair credit reporting act 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 with out 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 2022-06-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX-acct number XXXX XXXX XXXX-No account number listed XXXX XXXX XXXX XXXX No account number listed 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in violation : 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 No account number listed 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation