vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner. I disputed these items on XX/XX/2022 and I have not gotten any response from the credit bureaus about this issue. I want the items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: TX

Complaint narrative:
I identified some improperly reported items after reading my credit report. The Congress has granted me the ability to dispute and correct inaccurate information on my 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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report has my wrong ssi number. Wrong address and wrong phone numbers. It looks like someone has my information. Someone opening credit in my name. Please help me. Thank you.

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 2022-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

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 2022-05-14 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: CA

Complaint narrative:
I have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.

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 2022-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Many inquires were made that I dont recognize and the dates are all different

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Received card in mail asking me to call and activate it. I never heard of this company and did not apply for the card. When I called to ask questions and close the account they refused. I reported to their fraud department and they will not do anything until I send a color copy of my driver license. That is ridiculous and sounds like they are trying to further steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Many inquires were made that I dont recognize and the dates are all different

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-05-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.

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 2022-05-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CA

Complaint narrative:
I have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.

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 2022-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to both Capital One and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. Capital One, XXXX, XXXX, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- XXXX XXXX! It has been well over 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-14 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: GA

Complaint narrative:
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent several disputes notifying the company of federal violations. The company continues to recklessly report fraudulent and inaccurate information on my consumer report and refuses to properly investigate my disputes.

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citzens-alert : We have temporariIy restrictd your XXXX due to unusuaI XXXX XXXX XXXX to confirm your details. 

I don't have a citizens card. So I wouldn't be able to have it restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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:
I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, Transunion, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.

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 2022-05-14 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:
I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, XXXX, and Equifax all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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:
I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, Experian, XXXX, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.

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