vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 

Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. 

Please provide a audit trail for the accounts and inquiries below.

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXXXX

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 2022-04-25 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: FL

Complaint narrative:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from 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 2022-04-25 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: SC

Complaint narrative:
This is a formal complaint to Equifax for reporting inaccurate status on my XXXX XXXX XXXX XXXX account since this account has already been paid. And has a Paid status to XXXX and XXXX. I'm assuming you did not update the status since 2016, unlike the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am out the countryat and I can't get my credit report because it said XXXX is NOT available. It should be optional to check for the location of the person who request the info. or ask before checking

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 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
Received a letter in the mail ( with my first name spelled wrong ) for a debt of {$4600.00} from Credit Management, L.P. on behalf of XXXX XXXX, XXXX. on XX/XX/XXXX. I have resided outside of the state of Texas since XXXX. I have never gone for any diagnostic testing at XXXX XXXX, nor have I had any outstanding medical debt. We have had medical insurance that has covered the majority of our expenses, and any co-pays/deductibles have been paid in full at the time of being billed. This is a false collection as this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an account in 2010 with fifth third bank. In Now over 10 years began receiving harassing calls from company XXXX  stating they just received collection account and submitting lawsuit against me for over {$3000.00}. I was in the XXXX XXXX XXXX XXXX, asked them to stop contacting me as I have never heard of them. They began calling my relatives 3 and 4 times a day, continued contacting me from different numbers. When I asked what the matter was, rep said it was from 2010 account with fifth third bank. I have never received correspondence from anyone stating I owed money. Contacted the branch, they stating they can not do anything as the account is so old they no longer have record of. The account was closed in XX/XX/2010. My credit has never been reported by any company claiming I owed the debt. Again the account was closed. I recall being a class action for the bank at one point as well. They continue to call from XXXX or XXXX area codes or toll free. No prior notice has ever been received previously. As stated above, account was closed over 10 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/2022 I received a letter from the Bank of America that a credit card had been opened in my name. It was for the Bank of America Unlimited Rewards Signature visa card. I never applied for this card and I never gave them consent to pull my XXXX score. They pulled my credit with XXXX without my consent. 
Reference number 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 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Good evening! 
After reviewed my Bank Statements and Called my Bank too. I figured out that the amount you said I owed was already paid by XX/XX/16 Confirmation number is XXXX. 
XXXX. 

For any other additional information, you can reach me out through my email XXXX regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: OH

Complaint narrative:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PL XXXX, OH 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 2022-04-25 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: Paramount Recovery Systems, L.P.
State: FL

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

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states consumer reporting agency can not finish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose Original Creditor : XXXX XXXX XXXX Amount : {$2500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TN

Complaint narrative:
I'VE TRY TO GET THIS RESOLVE, HOWEVER, IT NEVER GET FIX. PLEASE HELP ME OUT. IM THE ONLY PERSON WRITING THIS. SO I HAVE A MEDICAL BILL. Recently checked my credit reports and realized the agency and this debt collector is in Restriction on sharing of medical information. please see attached file.

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 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on?

What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You

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 2022-04-26 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: CA

Complaint narrative:
The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH 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 2022-04-26 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: OH

Complaint narrative:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I have disputed this account with all three credit bureaus even filed with the CFPB before. This company has acquired information from an account that has my name on it but does not belong to me. I have no idea where this account came from or how it was paid, if it was paid before. I only know about the account because it is showing as a negative item on my credit report now that I am trying to buy another home. I have tried speaking with this company but they only want payment and I am not paying for something that is not mine. I have lived in my current residence for 16 years and only have had 3 credit card companies that I have ever used. I do not know about any others and no one lives with me but me and I get all of my mail so no one can send anything to my home and I not know about it. I want this negative and false information removed from my credit profile as it does not belong to me. The so called invoice that is shared means nothing when I have no idea where it came from, the account is not mine and should be stricken from my profile. This company is only after money and not working to clear false records. This actual account was with another debt collector and was recently disputed as of XX/XX/2022 and been handed off from company to company. The XXXX XXXX XXXX is being traded between debt collector companies to see who can cash out first and its at my expense. This is unfair and unethical. Something needs to be done. These companies are careless and reckless with peoples lives and do not care as long as they make a buck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CO

Complaint narrative:
What are these inaccurate and unknown accounts. you just put anything on my 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 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Unfortunately, I co-signed for a car loan for my niece which she defaulted on. I had made most of the payments, but then lost my job during Covid & stopped paying her debt. The car was repossessed. I received a settlement offer on XX/XX/XXXX. I called Santander & was told as long as I paid the exact amount the debt would be discharged & my credit report amended. On XXXX XXXX  I sent the exact amount ( XXXX ) to Santander Consumer USA via ACH. I never received notice regarding this transaction & considered the matter closed. On XX/XX/XXXX, I received another settlement offer stating I had a balance of XXXX & they would accept XXXX to settle this debt. I called them & stated the payment had been made in XXXX & they said they would correct this error, but to date, I have not received any communication to this effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I responded to an ad on pages in my profile of XXXX XXXX offering XXXX  miles after opening a new account and spending a certain amount. 

I was approved, met the qualifications but did not get the miles ; and, when I called about it, I was told that I was not eligible since I had had a mileage credit card less than 2 years ago. 

I pointed out : The ad was on my profile pages of XXXX. 
There was no mention of this requirement in any of the pages of the offer on the website- I have printed and kept every page. 
I was not told when my application was accepted that I was not eligible for the mileage offer. 
I was not told I was not eligible for the miles in the literature I got with the card. 

I believe this is false advertising I told them on the phone and they said they would investigate. I got a letter in the mail restating that I was not eligible. I sent them a return letter on XX/XX/XXXX ( attached ) restating why I thought their advertising was misleading and that they should award me the XXXX  miles. 

No response

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
I never received any information about a payment being missed. I checked my credit reports and noticed that my payment history was less than 100 %. On my credit report it says that my most recent late payment was XXXX XXXX ago. This situation is really affecting me personally when trying to buy a house or a car and Im being penalized for a mistake that wasnt my fault. I mailed two letters to them explaining the situation and they said that they couldnt do anything to remove the late payment from my credit reports. They claimed that it was 30 days late and from my records, Ive never missed a payment. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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:
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  Account # # XXXX - XXXX XXXX XXXX, # XXXX XXXX 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 permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Over the last couple weeks Credit cards have been tried to be opened using my information. One with XXXX One with XXXX XXXX and one with XXXX. 

When I get the call they have all my information correct except for my email typically. 

the Problem is my credit score is dropping due to the credit inquiries.

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