vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CCF Intermediate Holdings LLC
State: CA

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

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

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

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 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I took my son to ER on XX/XX/XXXX. His first name is my middle name and his middle name is my first name. basically same. He has full Medicaid. Not sure why we got billed, {$300.00}. actually received a bill sometime in XXXX and when tried to give the insurance they could not find the account ( the hospital billing department over the online account search ). So then I figured this is an out of state network provider. Received a bill and tried to open online to update the insurance and could not find an account. Name was misspelled, dates of birth wrong, no Social number. Could not find an account. Now, on XX/XX/XXXX I received a collections letter and before I have time to go through it, I see on my credit report it is a collections reported. I call first the clinic that I supposedly owe money, and give my info and they said we don't have anything under your name. I give then, my child info and they say that yes, there is a balance due and it was sent to wakefield and assoc. for collections. I tell them my child had and has Medicaid. They gave me in the end an email where to send a proof of insurance. I called up the insurance and they said instead they will file a grievance. I then called up the collections and told them the story but the person on the line didn't seem to understand me and my spouse and kept saying it is better to pay because i see the insurance already paid a part. They don't understand that it is my son not me, and he has Medicaid. So they also said, they send an update to credit bureaus each Monday and if I paid next Monday they will send and update and delete it from the report. I paid, did not get a receipt of payment. They also charged {$6.00} fee. I did not approve all this time that this is my medical bill. I just paid to get rid of the report as per what they said. I then tried to call this collections company about the update they promised to take off the report, and no number is being answered, I am being sent to leave a voicemail. All this time, I did not have an option where to give the insurance number to anyone. Just to pay. Seems that a child having Medicaid can be billed. 
My grievance is in the works with the insurance but I feel I was misled by the collections in the way they handled and then not give me a written proof of what they said over the phone or answer my call to talk to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I was placed on hold for 23 minutes when trying to get the credit balance on our American Express card refunded to us! The customer service rep dragged us through ringers despite the initial authentication asking me 5 security questions in order to finally me that they will transfer the funds BACK to our bank account!! 

American Express is claiming that they can ONLY send ut the check! And they are refusing to send a check to the NEW address we want the refund check to be sent! 
The balance owed us by America Express on this car is in excess of {$3000.00} US dollars but despite that, we have NEVER gotten ANY notification that we have over-paid the credit card by mistake! 

This is a clear case of abuse where these Credit Card companies will not leave any stone unturned when they are collecting, but will make us miserable when they OWE the consumer 's money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: LA

Complaint narrative:
I did not authorize these credit inquiries and under the credit laws, I request they be removed from my report immediately. 

Inquiry details 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TX

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

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 2023-03-18 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: GA

Complaint narrative:
This is my eighth attempt to contact you via a CFPB complaint to inform you that I am a victim of identity theft and to query specific records in my file that were obtained illegally. The data I am querying connect with no exchanges acquiring any custody of goods, services or money that I have made or authorized. Block the notoriety of any material in my credit report that resulted from a scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following false things should be taken off of my credit record, I formally request. I would appreciate it if you could delete the disputed goods right away if you are unable to provide any documentation proving that they belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: DC

Complaint narrative:
My Experian FICO score dropped XXXX points. The notes indicate a late payment. When going through each individual account, there was no late payment, whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: WY

Complaint narrative:
Last year I started getting some school loans to help me pay for school. They said my credit was not good enough without a co-signer at the time my credit was a XXXX the year prior and it should of still been high. I recently got a new bank account and I was looking into the app. It shows where you can see your credit and it showed a XXXX. When I looked at the personal information it showed my social security number. My twin sisters name and a mix of mine and her credit stuff mixed together. It showed her address and not mine. I called several companies such as XXXX to get the information fixed they Could not see any problem. I finally got ahold of Experian since thats who my bank chase used. They found the problem and said they are getting it fixed. This was such an inconvenience I have had to pay a couple extra thousands in interests rates because they made a mistake. They admitted to mixing up our credit stuff into mine. When I told them this they just said on that note thanks for using Experian. This mistake has cost me a lot of money, taken my chances from getting school loans and ruined my credit score for a long time. It raised me up to 80 some percent. I am now back to 33 %. Because of it being 80 some percent my score has not been able to go up much. I want to file a complaint, I want that lower score taken off my credit history completely since it shows up as my history. And I want my score to be up higher where it should. Most importantly I want to know if I can be compensated for all the inconveniences such as paying lots of money for a mistake they made and have shrugged off. They acted like it was no big deal they had mine and my sisters credits mixed on my report. This is a huge problem and a big deal. This in a way messed up my identity for however long and taken opportunities from me. What can I do for this to be made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
There is an account on my credit profile from Radius Global Solutions with account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer, and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated 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 explanation
Consumer complaint received 2023-03-18 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: Capio Partners, LLC
State: SC

Complaint narrative:
This showed up on my credit report as a charge that went into collections on an account called Capio Partners on behalf of XXXX XXXX XXXX that was supposedly opened on XX/XX/2023 for the amount of {$1100.00}. This is an error on my credit report. I have not signed surety or any type of responsibility on any loan, bill, or other let alone one with the name of Capio Partners or XXXX XXXX XXXX. I don't have any idea what this could possibly be about. I have not even visited the hospital since my father in law got sick a few years ago. I Disputed this with Experion and they denied the dispute stating the information I disputed has been verified as accurate and that I could upload supporting documentation proving this debt is invalid. How am I supposed to prove a negative? Upload a picture of my empty hand that shows I don't have a bill form this hospital? I would like to have this removed from my credit report immediately as this is a fraudulent bill and a fraudulent notice on my report. My credit score went down XXXX points because of this error. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: LA

Complaint narrative:
I did not authorize these credit inquiries and under the credit laws, I request they be removed from my report immediately. 

Inquiry details 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
Consumer complaint received 2023-03-18 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: LA

Complaint narrative:
I did not authorize these credit inquiries and under the credit laws, I request they be removed from my report immediately. 

Inquiry details 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 explanation
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation