vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: TX

Complaint narrative:
I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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:
To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: FL

Complaint narrative:
To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-07-03 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: LA

Complaint narrative:
So I sent a letter off on XX/XX/2022 to remove personal information I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-07-03 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: MD

Complaint narrative:
I have been in direct contact with XXXX XXXX at TransUnion and she has provided false claims about the information on my credit report as accurate. Also she has purposely decided to drag out the process of fixing my credit report. On my credit report there are names listed that aren't me XXXX XXXX XXXX, XXXX XXXX XXXX, addresses XXXX XXXX XXXX XXXX, MD. XXXX XXXX XXXX XXXX XXXX, MD XXXX. Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Also TransUnion has inquires listed that aren't mine. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Bankruptcy 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 2022-07-03 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: SC

Complaint narrative:
XXXX is listed as the original company when its actually wise loan Worst Delinquency on equifax states the account is 90 days past due while XXXX statesCharge Off/Other Derog. XXXX states on Equifax last activity was XX/XX/XXXX but on XXXX states last activity was XX/XX/XXXX XXXX states on equifax last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX also reported as foreclosure on XXXX last activity reported XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX and XXXX the balance on equifax states XXXX but on XXXX and XXXX the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on XXXX but on XXXX XX/XX/XXXX closed date on equifax XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on equifax XX/XX/XXXX but on XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: SC

Complaint narrative:
XXXX is listed as the original company when its actually wise loan Worst Delinquency on XXXX states the account is 90 days past due while Experian statesCharge Off/Other Derog. XXXX states on XXXX last activity was XX/XX/XXXX but on Experian states last activity was XX/XX/XXXX XXXX states on XXXX last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian also reported as foreclosure on Experian last activity reported XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX and Experian the balance on XXXX states XXXX but on XXXX and Experian the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX  but XX/XX/XXXX on XXXX.XXXX  last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian last activity was XX/XX/XXXX on Experian XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on Experian but on XXXX XX/XX/XXXX closed date on XXXX XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on XXXX XX/XX/XXXX but on XXXX XX/XX/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 2022-07-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without 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 2022-07-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # 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 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
At about XXXX XXXX I noticed I was missing my Bank of America XXXX Merrill Lynch XXXX credit card. I checked the B of A app and noticed XXXX fraudulent charge. 

I tried to use the Bank of America app to lock my card, and report lost, cancel it, report the charge and get a replacement. But this was nearly impossible to do in the app. I spent so much time trying to XXXX and figure out how to use your all. 


I looked up the XXXX number for the fraud department. I was waiting and still trying to use the app. The app is needlessly confusing forcing me to use XXXX, a digital assistant, rather than just giving me the options like anyone else. 

It took me so long to figure it out, the person was able to successfully make ANOTHER purchase for almost {$200.00}. If your app was only easier to use, or phone wait times shorter, I could have blocked the card before that charge occurred. 

Meanwhile, it took MORE THAN 45 MINUTES to get through to your Fraud department. The person created a claim, refunded the charges, and issued a replacement card. The agent, XXXX, told me the DIRECT line to your Fraud department was XXXX. She told me to call back with the police report number. 

I called XXXX, the direct line as XXXX told me, and again waited 45+ minutes on hold. 

A guy comes on the line and says there's nothing he can do. He's not the right department. But wait! This is " the direct line '' to Fraud according to your previous representative...?! 

I'm again transfered and AGAIN wait on hold. After another agonizing 20+ minutes a woman comes on the line to take some the police report. But wait! Your systems are down for maintenance, and there's nothing she can do. She could take down a note, set a reminder, create a callback. Nothing. So infuriating. I was told this was the direct line, and after all that wait, we can't even get the memos on the case! 

Ridiculous customer service as always from B of A.

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 monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I was charged XXXX dollars on XX/XX/22 from XXXX XXXX. This payment did not belong to me, I called my bank and canceled it. On XX/XX/XXXX, I received information about the claim from my bank. They sent me that I signed a contract with the bank. Between the time they mentioned, I signed a contract or something. I already had an insurance with XXXX XXXX and it still continues. There are police details that contain fake information that does not belong to me. It's randomly prepared, like I'm in love with someone I don't know in policy. They have double insurance. I get calls about 10 times a day. And I got mail from debt collector. I don't know what to do, I am an international student. I don't want to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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 XXXX  account # 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 consume reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX FXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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:
In accordance with the fair credit Reporting act XXXX  account # 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 consume reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - 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 2022-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Accounts Service
State: CA

Complaint narrative:
I was the victim of a XXXX XXXX XXXX XXXX and was treated by the XXXX XXXX XXXX who was recommended by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX https : XXXX ) who sued several entities. I signed settlement documents per his request that came with a promise to pay medical providers and me. This was in 2014, yet a derogatory collection still remains on my credit report XXXX years after the fact. The provider and collection agency when contacted said " Your XXXXr said he paid you all the money, that you disappeared and has no money to settle this debt! '' I have repeatedly informed the provider and the XXXX  that this collection on my credit needs to be removed and yet despite multiple complaints including the credit agencies I am still been punished because a XXXX and or creditor has fraudulently absconded with insurance money, I say this under penalty of perjury and prepared to restate the same in a court of law. Even if I paid off the debt ( Double jeopardy ) I still lose after already paying higher interest and having banks and financial institutions refuse to loan me any money. As a XXXX veteran someone has to care, this creditor and XXXX both are fully aware that I have never received even a dime. The XXXX says he never told the creditor I had absconded with the settlement cash. " He said she said '' with me in the middle getting screwed. The XXXX has admitted to me that he never paid anyone and still has the cash yet as yet nothing has been done to clear my name. Are XXXX allowed to do this? I have been damaged through no fault of my own yet neither XXXX or XXXX despite complaints will remove the derogatory remark from my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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:
In accordance with the Fair Credit Reporting act PROFESSIONAL DEBT MEDIATION, 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 explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX disputed spoke to company and was advise debt to have been verified payment history show different on every report XXXX show account type : auto loan status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment account status date : XX/XX/XXXX balance update : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # 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 2022-07-03 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this have been disputed XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX and were told verified this debt only show on XXXX and this account was closed XXXX and is over XXXX XXXX XXXX and still haven't been removed XXXX show account type : open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # 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