vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I started to receive calls from XXXX XXXX and their debt collection subsidiary in XXXX of XXXX for a series of bloodwork tests that were ordered by my doctor. I was surprised as these are covered by my plan with XXXX. After making some calls it was determined by XXXX that XXXX coded the tests incorrectly and they resubmitted them. Eventually, the cost was covered but I continued to receive calls and mailings stating that I owed {$540.00}. When talking to a representative at XXXX they indicated that they can not provide evidence to me but that it would take a few weeks to be reflected in their system. This cycle continued for a few months and I eventually called them again and they said they showed that it was reclassed and covered. I had not heard anything from XXXX for many months until I received a collection notice in the mail on XX/XX/XXXX for the same amount. I called the collection agency, Credit Collection Services in XXXX, MA ( XXXX ) XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX who said that XXXX  resubmitted the " debt '' on XX/XX/XXXX. I then called XXXX and spoke to XXXX XXXX ( XXXX ) XXXX who confirmed that the case was closed on XX/XX/XXXX as my insurance covered the full amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: NY

Complaint narrative:
this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: NC

Complaint narrative:
The enclosed statement is from the creditors investigation. Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit bureaus stated my consumer report with account XXXX XXXXXXXX was properly investigated, but how is that possible if the open date is inaccurate, the last active is inaccurate, Two-Year payment history is incorrect, and date last reported is not accurate. Also Experian is reporting paid and XXXX is stating derogatory. 15 U.S. Code 1681 ( a ) speaks about the Accuracy and Fairness of Credit Reporting. These inaccuracies are grounds for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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:
this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
The following inquiries that appear on my credit report are fraudulent and were not inquiries I made : 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 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have checking account with Union Bank MUFG at XXXX XXXX XXXX. This is my company direct deposit account Im using. Without notifying me my account has closed with my money in this account. 
I visited to my branch and discussed about the reason to close my account and they have auto answering number to contact. I have contact and I leave a message with my whole details. Still I did not get any answer from them. I was trying from last Wednesday XXXX of XXXX. And I can not pay my mortgage and any other due payments card and etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
The following inquiries that appear on my credit report are fraudulent and were not inquiries I made : 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 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
I was first notified by a telephone call in XXXX  from a woman who told me she was coming to my home to have me arrested and seize my property because I owed a debt to XXXX financial. I hung up and called XXXX, they had no record of any debt ever in my name. I had purchased a XXXX laptop and paid cash at XXXX. I contacted the store manager and he said it was a scam and to disregard it. So, I called the federal trade commission the same day and reported the number.

Since the summer XXXX XXXX, the debt collectors then called my senior parents and told them I owed money and if they didn't pay I would be arrested. After that I continued to get mail for this debt. I've called the company and told them I do not have any record of a debt with that company. And that it was never on my credit report. I contacted the company they are collecting for and they have no record of me owning money. But the calls and letters continue. Today I received another bill. I called again and asked them to stop. 

I have NEVER had a debt, credit card, loan, or payment plan with XXXX XXXX. I have no idea what this even is. I have pulled copies of my credit report for years. It's never showed up. I asked for a loan document with my signature, no one has given me anything. I don't know if this was sold to a debt collector as a scam or if it is identity theft but I don't have a debt with these people. And they have continued to harass me, my parents and the ones before them, harassed me as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
Please remove from my report any inquiries that do not have an account associated with it. 

I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi CFPB Team, I have been trying to resolve this account issue with XXXX, Equifax, XXXX as well as XXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
I submitted a name change dispute on Equifax on XX/XX/2023 online through my.equifax.com web portal. Dispute XXXX XXXX. Equifax web portal allows users to submit name change dispute online without any issues. Also, the portal allows to upload any supporting documents ( in my case, the name change petition, driver 's license, and certificate of naturalization ). The submission went through without any issues and/or warnings. On the portal it stated that the dispute might take up to 30 days. Today, XX/XX/2023, XXXX  weeks later after the dispute was submitted, I called to Equifax customer service to get an update. The customer service representative told me that they are not able to process my dispute I submitted online ( for some reasons they didn't explain ) and I have to mail or fax my supported documents. 
But during the online dispute submission process there was NO ANY information about I can not do it online and have to fax or mail documents. Also, Equifax did not notify me by any way that they need my documents by fax or mail. 
And now, I was waiting for XXXX weeks to update my name in the Equifax system and they will start a new dispute ( with 30 days period ) once they will receive my documents by mail or fax. That means my initial dispute from XX/XX/2023 will not be resolved within 30 days period and without any notification from Equifax side. 
In addition, I spoke with Equifax supervisor and she confirmed that I CAN submit this dispute online. Also, she confirmed that the Equifax system does not handle and process personal information properly. That means the company which works with sensitive personal information has a not reliable system. ( Just in case I have recorded our conversation ). 
I attached the file with all steps to submit this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Please remove from my report any inquiries that do not have an account associated with it. 

I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am not responsible for this account. It is the result of fraud. I have contacted the companies several times. I even paid the debt with XXXX XXXX XXXX XXXX in the amount of {$130.00} JUST to have it cleared and removed from my credit profile after going back and forth with XXXX XXXX XXXX XXXX the collection companies that have illegally placed this debt on my credit. Continuing to report this debt on my credit profile violates my rights as a consumer to be free from defamation of my financial and economical status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
I find it quite interesting how it takes forever for Experian to update positive activities/factors sent from creditors but negative activities are updated almost instantly. And often time when you do finally decide to update positive factors, scores usually go up by just +1 point. Whereas any small negative factor like an inquiry would decrease scores drastically. Is Experian algorithm faulty, prejudice, Or is Experian incentivized for having its algorithm set up to amplify the effect of negative activity while downplaying positive factors??? In the last year, Ive paid off a mortgage, 2 auto loans, all credit cards balance, just to see my score increase by just couple points, especially my mortgage FICO2 score. This is not fair reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent Outsourcing is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Convergent Outsourcing failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Convergent Outsourcing and Im demanding them to remove the collection account from my consumer 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