vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: LEXISNEXIS
State: DC

Complaint narrative:
To whom it may concern, I am filing this complaint for the THIRD time because upon my research it appears that Lexisnexis is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as LexisNexis. Lexis Nexis promotes fishing bankruptcies on Pacer which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. LexisNexis provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately. Also, since The Company wants to fabricate on last letter ( XX/XX/2022 ) attached is copy of my ID and proof and resident and email from Lexisnexis showing that have received my verification dated ( XX/XX/2022 ). I would like to know who gave Lexis Nexus permission to put XXXX XXXX bankruptcy on credit profile. I need to see a wet signature, and I am going to keep filing a complaint because LexisNexis is lying and never tried contact me via email STOP! falsely putting thing on these letters to cover up your wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, USDOEXXXX 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

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 2022-08-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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 2022-08-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent in a letter to TransUnion, XXXX, and XXXX. To have my information verified it has been 30 days with no comply they are not obeying the law.

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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: WI

Complaint narrative:
Wilber Group was contracted on behalf of an auto insurance company to collect money from me related to a superficial bumper scratch sustained to another vehicle in an accident I was involved in. They used threatening, abusive language to strong arm me into paying a vastly inflated sum that was several times more than the actual damages incurred. 

In particular they engage in a number of predatory and dishonest tactics attempting to force me into paying them additional money that is completely irrelevant to and outside of the original debt I was levied for the damages. When I indicated my interest in resolving the matter they reassured me that they would provide the necessary documentation stating I have settled my financial obligation to them and releasing me from liability immediately upon receipt of full payment. However once I completed payment and settled the debt in full ( receipt attached ) they deliberately stalled delivery of the Release of Liability form, trying to force me into paying an additional {$52.00} just for them to send the form in a timely manner. Then after they finally sent the form it was intentionally completed improperly, they did not even sign the form in spite of the obviously marked fields requiring signatures. In the letter accompanying the form they conveniently state that " Reprints are available for a {$100.00} fee '' - so they deliberately screwed up the form to coerce me into paying an additional {$100.00} to correct THEIR OWN mistake. 

The form is a standard form required by the state of Wisconsin that Wilber has to complete for each Wisconsin driver they have a file on, there is no conceivable way that Wilber would not know that the form, which has fields on it requiring signatures, does not need to be signed. Contacting them and requesting that they correct the document by completing the signatures and returning it to me is utterly futile as they keep stonewalling me and telling me they would call me back and ultimately doing nothing. I have fully paid off the sum they demanded of me and can't even get them to fulfill their own respective extremely basic responsibility of sending a proper release form. This company practices are beyond unfair, unethical and incompetent. It's clear they are getting away with these abuses because nobody is monitoring them and holding them accountable so they exploit people and XXXX them over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CA

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : 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.

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 2022-08-11 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: CA

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
XXXX XXXX XXXX rules were broken due to a breach on your platform. Inquiries and certain accounts shouldn't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: LA

Complaint narrative:
please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened Feb 2020 off my report or provide proof in writing within 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 2022-08-10 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: LA

Complaint narrative:
please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened Feb 2020 off my report or provide proof in writing within 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
Consumer complaint received 2022-08-10 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
JPMCB REPORTING A BUSINESS CREDIT CARD ON XXXX WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. XXXX continues to report this fraudulent account on my report even though I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2022, I called Healthcare Revenue Recovery Group , LLC ( HHRG ), regarding an attempt to collect a debt notice that I received in which stated that I owed {$33.00}. I spoke with XXXX in which she stated that they were a debt collector trying to collect a debt that I owed to XXXX XXXX XXXX. I informed XXXX that XXXX XXXX XXXX  never sent me a medical bill before HHRG 's attempt to collect notice. I was literally forced to pay a debt that I was not aware of or face further collection attempts and reporting to all national credit bureaus. On XX/XX/2022, I called the facility in which medical services were rendered by XXXX XXXX XXXX and they informed me that XXXX XXXX XXXX was already paid by them. The facility name is is XXXX XXXX XXXX. I also called my healthcare insurance provider and they informed me that the facility filed a claim for the same procedure code. And that XXXX XXXX XXXX. can not bill me for the same procedure code and same date of service. And also stated that the provider has already been paid by the facility for the contracted amount.

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 2022-08-10 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: NJ

Complaint narrative:
I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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

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 2022-08-10 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX5 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 2022-08-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent in a letter to XXXX, XXXX, and Equifax. To have my information verified it has been 30 days with no comply they are not obeying the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
On XX/XX/2022 I sent in a letter to XXXX, Experian, and XXXX. To have my information verified it has been 30 days with no comply they are not obeying the law.

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 2022-08-10 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: TX

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

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 2022-08-10 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 Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Put in a dispute to Experian about a XXXX  account charge XXXX XXXX  was told we had poor service and to cancel account we had to switch to XXXXXXXX XXXX XXXX to get service needed paid fo service requested by me there representative told me phones were free fo trying their service XXXX XXXX XXXX XXXX at XXXX apiece if you buy at 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 2022-08-10 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2022, I obtained an XXXX XXXX XXXX XXXX with a balance of {$1000.00}. 

On XX/XX/2022, I opened the gift card for the first timed and checked its balance online, only to notice that someone has already used this brand new gift card : XX/XX/2022 PAYPAL XXXX XXXX XXXX {$960.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA - {$0.00} The fraudulent transactions were done by PayPal and it includes the phone number XXXX which is a known scam number. I did not make that purchase and in fact haven't opened up the card until XX/XX/XXXX. 

I already contacted XXXX XXXX multiple times but they have explained that I need to work with the merchant, PayPal, to resolve this dispute. A CFPB complaint against XXXX also states the same. 

The credit card number in question is in the attached file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hard inquiry on my credit report Pentagon FCU XXXX XX/XX/22 I have no idea how this got there this is something fraudulent on my credit please help.

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