vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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:
I was informed by Equifax on XX/XX/2022 that account number XXXX with XXXXXXXX XXXX  was no longer reporting on my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the Requirements of the FCRA section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such of Notification, this is a serious violation of the FCRA, and I know I have the right to pursue legal action for this clear violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXXL, Account # XXXX from XXXX DEPARTMENT STORE, Account # XXXX from XXXX XXXX XXXX, Account # XXXX from XXXXXXXX XXXX XXXXXXXX, Account # XXXX from 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 non-monetary relief
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX, Account # XXXX from XXXX DEPARTMENT STORE, Account # XXXX from XXXX XXXX XXXX, Account # XXXX from XXXX XXXX  XXXX, Account # XXXX from 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 non-monetary relief
Consumer complaint received 2022-05-23 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: TN

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired  on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX OK XXXX Resident type Single family XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single XXXX XXXX XXXX XXXX  XXXX, WA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, WA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX A XXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX  XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family

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 2022-05-23 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: TN

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, OK XXXX Resident type Single family XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, WA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX  XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2022-05-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
Back in 2021, I was a patient at XXXX XXXX in XXXX. I recently received information on my credit report stating that I owe XXXX bills to an " Online Information Services, '' ( OIS ) that is currently in collection. Upon reaching out to the company I was told that I owe {$1300.00} and {$510.00}, for services rendered on XX/XX/XXXX and XXXX. I have spoken with XXXX and discovered that I have a {$0.00} balance for all services rendered on those days and also that no department reports to using OIS for collection services. I informed OIS of this and have been treated rudely as well as given a run around rather than having a solution presented. I am reporting them as I did not see them as members of the XXXX, or mentioned by any of the hospital billing departments as a functioning agency. OIS claims that the hospital needs to contact their Customer Service Department, of which OIS can not provide the phone number or web/email address for. Also I was given the number of XXXX for an employee named XXXX, but upon calling the voicemail registers a XXXX as the owner of the phone number and no information pertaining to the OIS Company. There was an even an agent of the company who decided to yell and speak disrespectfully to an agent I had on the line representing XXXX. According to them they are waiting for a Validation request from the customer service department, which has to be sent to INOVA and then back to OIS, which will then be sent to me via mail, and they can't speak to the Customer Service Department to settle this dispute any other way. I want them investigated for fraud, Identy thieft, and off my credit report.

Information for OIS Name : Online Information Services , Inc . 
Number : XXXX, XXXX, XXXX Website : XXXX Address : XXXX XXXX XXXX XXXX, NC, XXXX Names of Representatives : XXXX, XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2022, an unknown charge of {$270.00} appeared on my credit card statement. This was for a merchant called XXXX On XX/XX/2022 I started a dispute with Citi regarding this charge as it was unfamiliar to me and was immediately credited the {$270.00} while the dispute was being investigated. On XXXX XXXX, 2022, the same merchant appeared in my statement again for a {$150.00} charge, however, this time Citi flagged the charge as fraud and they sent me a new credit card. I thought I was done with these fraudulent charges, however, it appears that Citi has reversed their decision on the {$270.00} and now the charge appears in my statement again.

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 2022-05-23 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following XXXX accounts that need to be removed are XXXX XXXXXXXX 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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking and savings account on their own accord, unexpectedly, and won't return give me my money back. I get many unworthy excuses reasons why. One was a check will be processed and send on XX/XX/XXXX UNACCEPTABLE!! 

The available amount balances they quote in my accounts are completely incorrect. 

I am in dire need of " MY MONEY '' not a loan or credit. I have suffered financial loss and mental stress as a result of Bank of America 's criminal acts.

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 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: IN

Complaint narrative:
The account from Hunter Warfield Inc was paid and its been 2 months and they are still reporting it as unpaid and its affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my names 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
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-23 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: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation