vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Bankruptcy, Reference # XXXX, XXXX XXXX # XXXXXXXX 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  Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 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 2023-02-28 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: DC

Complaint narrative:
Per 15 USC 1681 ( a ) ( 4 ) my rights have been highly violated I would never give you or anyone else permission to violate my privacy Per 15 USC 1681 ( b ) all of these address and false names that are on my report need to be removed the only one that should be on my consumer report is By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX near District Of Columbia XXXX, 15 USC 1681 ( b ) your company did not use matter which is fair and equitable to I the consumer and reporting negative allegations without the written permission from me the consumer, on my consumer report which is a total violation, I would never in any way fashion form of any sort give permission for any negative allegations to be on my consumer report whatsoever, per 15 USC 1681 b ( a ) ( 2 ) you need written permission which you did not have ever at any time on any situation per 15 USC192 ( f ) also per 15 1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, 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 2023-02-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX  XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, 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 2023-02-28 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: PA

Complaint narrative:
I sent a letter out on XX/XX/2023 to Experian. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they talked to? 
How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter asking Experian, XXXX XXXX XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violations. 

15 USC 1681- Experian, XXXX XXXX XXXX have 30 days to investigate and send me a reply. 

They also did not record the current status of my disputed information which is another violation. 

XXXX ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX account # XXXX amount {$18000.00} XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX amount {$0.00} XXXX. XXXX ACCT # XXXX amount {$0.00} EXPERIAN ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT {$18000.00} XXXX. XXXX ACCOUNT NUMBER XXXX XXXX, XXXX XXXX BANKRUPTCY ACCOUNT NUMBER XXXX XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT 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 explanation
Consumer complaint received 2023-02-28 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On or about XX/XX/2022 my credit report disappeared from equifax file system. When i try to update a 3 bureau report with XXXX  it will mot update because it stated I had no credit report on file with equifax. I checked the equifax website and my credit file does mot appear when i log in but gave me a code and to contact the agency. I did and gave them the code but nothing has been done. I am still receiving the notice that my credit report does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to Experian about inaccurate information that they are reporting on my credit file. They explained that the information was verified, but has no proof of verification. None of their information matches my other reports and I also explained that to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
The TrueAccord Corp. is a debit collector being used to harass past customers of XXXX XXXX and XXXX XXXX XXXX. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency TrueAccord is now texting me and emailing me for no reason. I have informed TrueAccord I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX  receipt has been provided to them numerous times and this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
there is incorrect info on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there is a collection report that no matter what I do or talk to it keeps coming up in collections. there's 3 different companies who I suspect they are affiliated. the original creditor was XXXX ( I think it is charge off ), I think. The amount is for {$500.00}. I report it to experian that it is not my account. I have told them that I have report it to the XXXX XXXX XXXX. That is to say I reported my I D has been stolen, birth certificates etc. But still ecperian has the same results and does not change. They seem to have record to to help the collectors and not me. Also, experian has on file and have told me that my name/ID, has come up over 40 times in the deep webb XXXX And yet they don't believe me.That the info is wrong I don't owe any bills to XXXX. is there anything this agency can do for me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The XXXX XXXX is a debit collector being used to harass past customers of XXXX XXXX and LVNV Funding LLC. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency XXXX is now texting me and emailing me for no reason. I have informed XXXX I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX receipt has been provided to them numerous times and this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2023 by Florida HAF and M & T still has not posted the payment to my account. My mortgage is now 27 days due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened the account in XX/XX/2022, and was given a {$5000.00} credit limit. My limit was decreased to {$2000.00} in XX/XX/2022 by Citibank. I received a letter stating I should refer to my credit report, but I have no late payments or collections. The decrease in limit dropped my score that I've been working hard to raise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Reported fraud to Citbank on XX/XX/XXXX. Two charges, one for {$65.00} ( XXXX XXXX ) charged XX/XX/XXXX and another for {$170.00} ( XXXX XXXX  ) charged XX/XX/XXXX. Credit Company never responded to my request. However, they did replace my card and credit card number as suspected fraud on acct. 

I called XX/XX/XXXX, as a follow-up and CSR told me that fraud dept never did the investigation. I would like my account balance adjusted to remove the two fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2022 charged {$840.00} for in network insured coverage. My balance was {$380.00} which was paid. The balance of {$460.00} was charged to me, I did not receive an additional invoice, and the balance was sent to Medical Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX. I called to dispute the charge, and was told there is no reference number to record the dispute. After a dispute is filed, neither XXXX XXXX XXXX and Medical Revenue Service will discuss the dispute with me for 30days. Medical Revenue Services provided no additional information for me to be able to provide additional information of the false billing. I frequently receive bills from XXXX XXXX and XXXX XXXX XXXX that are inaccurate, as well as being billed months to years after the charges were accrued. XXXX XXXX is practicing exploitive billing techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there is incorrect info on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
there is incorrect info on my credit report

Company response to consumer: Closed with explanation