vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
PART 641DUTIES OF USERS OF CONSUMER REPORTS REGARDING ADDRESS DISCREPANCIES Consumer 's address ( 1 ) Requirement to furnish consumer 's address to a consumer reporting agency. A user must develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) from whom it received the notice of address discrepancy when the user : ( i ) Can form a reasonable belief that the consumer report relates to the consumer about whom the user requested the report ; ( ii ) Establishes a continuing relationship with the consumer; and ( iii ) Regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of address discrepancy relating to the consumer was obtained. 

( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; ( ii ) Reviewing its own records to verify the address of the consumer ; ( iii ) Verifying the address through third-party sources; or ( iv ) Using other reasonable means. 

( 3 ) Timing. The policies and procedures developed in accordance with paragraph ( d ) ( 1 ) of this section must provide that the user will furnish the consumer 's address that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) as part of the information it regularly furnishes for the reporting period in which it establishes a relationship with the consumer. 


The address of XXXX XXXX XXXX XXXX XXXX GA has never been my address nor am I associated with that address in any way.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: World Acceptance Corporation
State: TN

Complaint narrative:
They had an automated messaged call and threaten to take me to court and sue me. When I called the number back to inform them they were in violation of my rights, she decided to try and convince me I took out a loan in XXXX at a place I was supposedly working, but the place that was on file I hadn't worked at since around XXXX. She then tried to tell me there was no statute of limitations on this loan, wouldn't give me any information to contact someone, threatened to take me to court, and still quoted wrong information. I told her if they garnish my checks then that is going to cause undue financial hardship for me and my daughter I'm raising, and I basically got an " oh well '', even though I never took out a loan in XXXX. I've never received anything in the mail, no prior phone calls or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act Convergent Accounts are violating my rights # XXXX for XXXX XXXX XXXX, XXXX bank # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act Convergent Accounts are violating my rights # XXXX for XXXX XXXX XXXX, XXXX bank # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED

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 2023-04-28 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: VA

Complaint narrative:
I am formally requesting the removal of fraudulent accounts from my credit report. I am not aware of these accounts and they do not belong to me. As per USC 1681g, I request that these accounts be deleted within 15 days. Please refer to the attached documents for evidence supporting my claim.

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 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This is a follow up to my complaint XXXX from almost a year ago. TSI keeps claiming that my insurance was billed but has failed to provide proof. It has been a year of them forwarding me the same bill from XXXX XXXX instead of any communication from my primary insurance. I did see last year that my complaint XXXX was closed, but did not see until now that feedback had been requested from me about how TSI has responded to my complaint. Would you please intervene by either reopening complaint XXXX or starting a new complaint. It has been a year of back and forth with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the 30-day period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry 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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the 30-day period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry 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 2023-04-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX8 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
continue to try and collect on a debt thats already paid for 12 usc 1813, need to be updated as paid in full and discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
I submitted documenetation to the company in XXXX of XXXX showing that the debt was not owed as well as I filed a claim with cfpb. The debt was removed from by credit bureau and I did not receive any further phone calls or billing statements from the XXXX XXXX XXXX until XX/XX/XXXX 2 years later. The tutition amount of XXXX was for a course that I dropped with XXXX XXXX and did not attend or sign into/or have access too. I tried to resolved the issue with XXXX in XX/XX/XXXX when I dropped the course due to my workload and unable to attend, but they would not comply and sent the amount to collections. I appealed the amount in XXXX with the orginal debit collection company and it was removed, but 2 years later I am receiving the same letters and calls multiple times. 
As of XX/XX/XXXX the sect has now changed to another agency, Williams and Fudge but I never received follow up from the previous agencies. The agency has submitted the debt as a collection to my credit report with sending me any documents or allow me to dispute the charges. I received the 1st letter in XXXX after I disputed the dent in my credit report. I have mailed and emailed a dispute letter with all of the previous correspondence to Williams & Fudge on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: VA

Complaint narrative:
I am formally requesting the removal of fraudulent accounts from my credit report. I am not aware of these accounts and they do not belong to me. As per USC 1681g, I request that these accounts be deleted within 15 days. Please refer to the attached documents for evidence supporting my claim.

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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
This Credit card company calls my phone number 3-5 times a day every day. That is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: WA

Complaint narrative:
I receive my social security money on the direct express debit card and they sent me a new card and I have tried to activate it but every time I call them to do it they cant verify who I am. Ive called them at least 10 times over 2 days. Ive done everything they say, I sent them copy of my photo Id front and back. I went to social security office. I have all my money on that card and they will not help me. They are very rude and keep giving me the run around. This is what I use to pay all my bills and buy my food and medicine with. I dont know what else to do..

Company response to consumer: Closed with non-monetary relief