vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: NE

Complaint narrative:
I have been sending uncountable letters appealing to Transunion to confirm the disputed account and take out them if unable to show that the account is mine. I have been a victim of Identity Theft and the account I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXXXX

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 2022-11-04 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: WI

Complaint narrative:
I asked the XXXX  to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.

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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XXXX XXXX Changed their mind on what the amount of the bill. Due to no fault of my own, XXXX decided to increase this bill significantly since the initial bill. The initial bill was approximately {$1500.00}. Once it was realized that insurance was not filed ( even though we gave insurance at intake ) I filed insurance which jumped the price to nearly double to XXXX XXXX The bill came back 2 times to give the XXXX $ ( still far off from the initial bill ). When I told XXXX to remove my insurance from the account to give me the initial bill, they refused. 
The medical initial intake notes did not reflect my symptoms, issues, and discussions that I had with intake personnel, doctors, nurses, and other medical personnel. Once they were made aware of the situation on what had to be added and changed. Once I contacted XXXX, Some were corrected and modified, however some issues, complaints, problems, symptoms, and causes are still not documented either at all or correctly. This will lead to issues later with XXXX getting proper compensation from XXXX. Since this was related to my XXXXXXXX XXXX just 2 days prior to my arrival at the hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX has indicated to me that they have not received all of the information requested from the providers of care. When I called the hospital to verify what, if any, information, notes, and/or documents were sent. I also requested the date it was sent. They refused to give this information to me either by phone, through email, or in person. And would not verify that they received a request from XXXX to send the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as long as the documentation about the visit was accurate and complete ( which it is still not ). In addition the medical provider needs to provide the requested information to XXXX, which XXXX has not received as of this moment. XXXX will not allow me to provide them medical records, documents, or information and it must come directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MO

Complaint narrative:
MY COMPLAINT IS WITH TRANSUNION CREDIT REPORTING BECAUSE ON XX/XX/2022 I DID A DISPUTE TO TRANSUNION CREDIT REPORTING ABOUT A ITEM THEY ARE REPORTING INCORRECTLY THAT IS SHOWING OPEN BUT THE ACCOUNT IS CLOSED NOW TODAY ON XX/XX/2022 I GET A RESPONCE FROM THEM SAYING " Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. '' SO I GET ON MY OTHER CREDIT REPORTS XXXX AND XXXX THAT I HAVE INCLUDED PICS FOR PROOF TO SHOW THE ACCOUNT IS CLOSED NOT OPEN AND ON BOTH REPORTS IT SHOWS THAT XXXX XXXX ACCOUNT IS CLOSED BUT ON TRANSUNION IT SHOWS THAT IS IT STILL OPEN SO ON TODAY XX/XX/2022 I CALLED TRANSUNION TO FIX THIS ISSUE I WAS THEN TOLD THEY WILL DO ANOTHER DISPUTE I DON'T WANT TO KEEP DOING DISPUTES I WANT THE ISSUE FIXED AND UPDATED

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a few inquires on my report from unknown companies. Please remove these from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
DEPT OF ED / NELNET XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED / NELNET XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED / NELNET XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED / NELNET XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
CAPITAL ONE XXXX  Opened XXXX. XXXX, 2022 XXXX {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Self Financial Inc.
State: FL

Complaint narrative:
I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
SF/LEAD BANK XXXX Opened XXXX XXXX, 2020 Balance {$8.00} SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : 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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
On or about XX/XX/2022, I requested a money transfer from my personal checking account to my XXXX account. The funds was sent to the wrong person/email by Popular Bank . After submitting my complaint and waiting 90 days for my refund, they denied my claim

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 2022-11-04 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: WI

Complaint narrative:
I asked the XXXX to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: WI

Complaint narrative:
I asked the XXXX  to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.

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 2022-11-04 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: TX

Complaint narrative:
I have recently disputed items with TransUnion under FCRA 611 ( a ) regarding erroneous items on my credit report. TransUnion claimed they verified the disputed items and did not remove them from my report or update them. The items I disputed are incorrect and should be removed or updated. Here is a list of the items I have disputed with TransUnion. 
These items should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And this account should be updated to current, pays as agreed, never late - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-04 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: NY

Complaint narrative:
I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NY

Complaint narrative:
I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided XXXX VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXX CARD XXXX, XXXX CARD 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 2022-11-04 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: OH

Complaint narrative:
Recently checked credit report and discovered XXXX, Transunion and XXXX were all reporting several fraudulent items. i have attachments supporting these items be removed and blocked per FCRA.

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 2022-11-04 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: OH

Complaint narrative:
Recently checked credit report and discovered XXXX, XXXX and Equifax were all reporting several fraudulent items. i have attachments supporting these items be removed and blocked per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DID NOT AUTHORIZE, CONSENT TO, NOR BENEFIT FROM THE FOLLOWING INQUIRES, BLOCK AND REMOVE THEM. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief