vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

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

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2022-11-11 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

XXXX XXXXXXXX  Date Opened : XXXX Balance : {$720.00}

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 2022-11-11 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: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Several medical bills are on my credit still and they are from 20 years to current but I had insurance or either filed the financial affidavit. when i went to fix my credit the companies say i can not because the files are too old. I have documentation that i was under the care of XXXX  or some type of medicaid. billing did this wrongfully and i demand a remedy and recourse speedily. my credit has been in despair because of these derogotory accounts that literally should not be. I have suffered immensely and demand favor in this matter. 
XXXX XXXX Midwest service bureau for XXXX XXXX says I owe {$110.00} from XXXX This is either not me or they literally mis billed the info without checking my insurance. 
Also XXXX XXXX XXXX has caused much grief as well. they say i owe {$20.00} so i paid them but this account is from XXXX and they sent payment back to me and took me to small claims court without my knowledge, the XXXX XXXX sheriff got me pulled over at XXXX in a XXXX now i am about to go to court about this but found my records stating that they needed me in person to state the claim of the original debt from the {$20.00} to andover municipal. this is systematic terrorism at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: Experian Information Solutions Inc.
State: TX

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 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.

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 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 2022-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
I DO NOT OWE MIDWEST FIDELITY A XXXX. This is some crooked attorney that thinks he can add WHATEVER HE WANTS AND TURN IT OVER TO A DEBT COLLECTOR. I will NEVER PAY THIS AND THIS HAD NEVER BEEN OWNED BY MIDWEST FIDELITY. This needs to be TAKEN OFF MY CREDIT REPORT BEFORE I GET AN ATTORNEY AND HAVE THIS GO INTO A COURT ROOM. 
XXXX XXXX This is fraudulent and unacceptable. This was supposed to be done a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This dispute was filed with TransUnion on XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of TransUnion to respond. I had no choice but to file a complaint with the CFPB. 


These are the files that were disputed on 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  DateLastActive I have also attached a copy of my Credit Report from XX/XX/2022 and a copy of my original disputed letter. 

According to the FCRA XXXX under section XXXX. XXXX in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If I would not have contacted the CFPB, I still would have not gotten a response for my dispute which is obviously over the 30 day time frame allowed by the FCRA. All accounts disputed are attached and by law needs to be deleted immediately! 

As you can see TransUnion clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of the disputed letter sent to XXXX on XX/XX/2022, as well as my credit report before and a report 7 months later with no changes.

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I opened the Santander Bank " Ultimate Cash Back '' Mastercard at the branch because I was told I would have interest-free cash advances for a year. This turned out not to be true. I already filed a complaint with the bank which was resolved ( they refunded my interest charges ). Now there are fraudulent charges being made to the card. I tried to resolve this. The charges were removed, but keep reoccurring. I asked for my account to be closed but the bank did not close my account. I emailed several times with the regional VP XXXX XXXX XXXX who told me several times that I need to call customer service, which I also did several times. ( Note that I am currently working in XXXX XXXX so this was difficult with time differences and no toll free number from here. ) Customer service initially reversed the charges and told me my account would be blocked, even though I clearly asked my account be closed. The account then continued to rack up fraudulent charges. I can not file claims using the bank 's website or phone app, the only way is to call. I have repeatedly asked to close the account. I need help to close the account.

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 2022-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX BANK Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX, XXXX + XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: CT

Complaint narrative:
I wrote few times and this site keeps kicking me off as I write a dept that's a total scam from a old XXXX cellphone I returned and gave the tracking number to both parties scamming collection agency and XXXX  witch said they received both cellphone with the tracking number I gave them but this collection agency said I still owe them XXXX I have ported my old numbers to a new cellphone XXXX. I don't owe anything and there wrong doing my credit report please get them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity removed my online account access when I closed my XXXX XXXX credit card account. I can no longer make payments online. They will only accept payments on my account by mail or by phone. There is a fee for making a payment by phone.

Company response to consumer: Closed with explanation