vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 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:
MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND EQUIFAX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY HIPPA RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. XXXX XXXX AND XXXX HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND EQUIFAX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: FL

Complaint narrative:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-03 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: FL

Complaint narrative:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately 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 2022-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 2022-01-03 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 — Investigation took more than 30 days
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND XXXX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY XXXX RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. AMERICAN ACCOUNTS AND LVNV HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND XXXX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING 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 2022-01-03 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: MA

Complaint narrative:
My initial correspondence was a debt validation request to TransUnion, LLC sent on XX/XX/2021 and received by TransUnion on XX/XX/2021. ( Exhibit A ) I respectfully requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. TransUnion, LLC failed to meet my requisition for the requested documentation. 

However, I did receive the Investigations Results ( Exhibit B ) stating that The disputed item was verified as accurate. TransUnion, LLC denied me my consumer right to privacy under 15 U.S. C 1681 ( b ) by discussing my non-public information with the creditors. Alleged creditors can not validate debt.

During the entire dispute process TransUnion, LLC continued to report inaccurate information, my name ( Exhibit C ) and the disputed accounts, a violation of 15 US Code 1681 [ A ] [ A.1 ] Credit reporting laws are in place to ensure that bureaus report only 100 % accurate credit information. It seems that Transunion, LLC does not adhere to credit reporting laws. My experience with TransUnion, LLC has provided evidence to support this. TransUnion, LLC failed horribly short.

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My Husband & I both have separate credit card accounts with Barclays Bank. On XX/XX/21 I made a purchase in the amount of {$2300.00}. On XX/XX/21, My husband went into his bank 's bill pay page and mistakenly paid his own Barclays account {$2300.00} which should have been paid to my account. He contacted Barclays and asked them to move the payment to my account and at first, they told him they couldn't. He then contacted them a second time and asked if they could refund him back the entire payment of {$2300.00} or move the payment to my account. They said they need to do an investigation which would take 30 days. I contacted Barclays and they told me that I should have my husband call his bank and see if they could reverse the payment, and he contacted the bank, but they said it was too late. They also gave me this ridiculous excuse of needing 30 days to investigate. I am not sure why a bank needs 30 days to figure out how to move a payment made to the wrong account into the correct account when it's pretty clear the purchase amount and payment amounts are the same.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX bank with us bank my social security number is XXXX I am filling a report because my debit card was stolen and someone put a XXXX $ check iny account it was never cashed it was not been done by me. I explained myself to these people to the best of my ability they are holding my funds my social security money and other funds. I am XXXX and my family Andi had no money for XXXX it has been miserable. I am confident on the finding that I Kno I didn't do this. The bank I'm having problems is the one on XXXX  in XXXX WA. I went into that bank to let them know someone illegally used my card and they tried to download a check into my account they lady took a report and issued me a new card I activated it at the ATM the next day I tried to use it it wouldn't work so I went back into that bank and they told me to give them the card and the lady who issued me the. XXXX lied to her boss telling her boss she never handed me that card and that it was my old one,.! I said to her are u calling me a liar your associate gave me that card. I fought with her she threatened to call the cops on me shelied on me and humiliated me.. the us bank on XXXX  in XXXX WA should be investigated I pleated my heart out to these guys they treated me like XXXX and I'm so upset still I can't access my funds there is now a hold on my account I did not do this and I'm asking that they leave my account alone and let me have my funds my birthdate is XX/XX/1980 my address on the account is XXXX XXXX XXXX XXXX WA XXXX thank u my phone number is XXXX u can call me at anytime thank u

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. On or about XX/XX/XXXX, I received at least XXXX order receipt confirmations from XXXX XXXX XXXX XXXXComenity Bank with multiple items that I did not purchase. When I attempted to access my online account, the password would not work. It was then that I realized that my email was comprised and a hacker obtained access to my social security number. He used it to apply for credit, open bank accounts, raise credit limits, purchase items, etc. On XX/XX/XXXX, I called Comenity Bank and alerted them to the Fraud. They did nothing to address it. The rep gave me false information on the phone by stating that an investigation would be opened, the account would be locked, and I would not be responsible for making payments on the purchases I did not make. However, today XX/XX/XXXX, I received another order confirmation so he did not do anything to protect me as a consumer from additional fraud. I also received a UPS shipment the hacker made that was somehow re-routed to my address. I have not received any return phone calls from either XXXX XXXX XXXX XXXX  or Comenity Bank. They also left the fraudster 's phone numbers on my account, allowing him continued access to my personal information after I informed them the correct phone number is XXXX. I have the name of the hacker from an order receipt, XXXX XXXX, in XXXX, XXXX. I reside in XXXXXXXX XXXX at the same residence since XXXX, which is even more disturbing that Comenity Bank did not have enough security controls in place to suspect fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

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 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

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 2022-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I am a XXXX Senior Citizen and I also suffer from a Severe XXXX XXXX. On XX/XX/XXXX I received a bill from XXXX XXXX XXXX with a due date of XX/XX/XXXX. This bill showed an amount due for lab services performed on XX/XX/XXXX and XX/XX/XXXX. I had no idea what this was for. I attempted to contact them by phone, left numerous messages, and never received any response. I did look at my insurance explanation of benefits and found this was for lab tests, which I get done every 3 months at my physicians office, XXXX XXXX. I have gone to this doctor for at least 6 years and have never had any issues with lab bills. I emailed and spoke with my Doctors office and was instructed not to pay the bills. Apparently the Doctor 's office and XXXX XXXX were in a dispute and also Merchants Collection was harrassing their patients. In the past with other lab companies through this doctors office, I have never paid anything out of my pocket for lab tests. Had I been made aware before I had the tests done that I would owe a balance I would have never had the tests done. I never signed any document and I was completely unaware of these charges. 
On XX/XX/XXXX I received a collection letter from Merchants & Professional Collection Bureau. I disputed the bill. I even called and left a message for the owner of XXXX XXXX to call him to discuss this. No response. Also, my doctors office told me that these bills were filed as Out of Network through Insurance. Their website page clearly states this : If an EOB states that XXXX XXXX XXXX is an Out-of-Network Provider, then they will make all attempts possible to ensure that the patient is only responsible for the amount owed as if XXXX  was an In-Network Provider. 
I have asked this collection agency for proof in writing from all parties of the contract between the doctor and the lab company. They told me the agreement was done by XXXX XXXX XXXX and no contract in writing. I am asking that the CFPB investigate this. I just received another collection letter dated XX/XX/XXXX. I am a nervous wreck about being harassed as I continue to receive letters from this collection agency. They also reported it to all 3 credit reporting agencies and I have been rejected for credit because of this lab bill that I do not owe. Thank you

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 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX checked my report an i noticed some fraudulent an inaccurate accounts listed on my report i then reached out to the credit agencies to remedy the situation but they wouldn't help me correct these fraudulent and inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Equifax, XXXX and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation