vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
UCB started calling me today XX/XX/XXXX while I was at work. They left a voice message saying they were trying to collect a debt. When they bought my account from another bank in XXXX, I was very up front with them : Please only contact me in writing. Im not trying to hide from them. I didnt demand that they cease communicating with me completely. I just asked them to put everything in writing so I would always have a paper trail. Ive paid what I can on the account for the past couple years, and they have my e-mail address and my current home address on file if they need to get in contact. The phone call today was completely out of nowhere and it disregards the earlier agreement. This is a violation of 15 USC 1692c in the Fair Debt Practices Act. Im attaching the confirmation their compliance department originally sent me in XXXX, where they acknowledged my request and stated they wouldnt call me anymore. Im also attaching a screenshot of todays phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I reached a settlement with Portfolio are over Associates and per the attorney and their website the file should be removed from my credit report. Instead I got notification that it was updated as settled for less then full amount NOT removed. I have attached proof of payment, a screenshot directly from their site stating they would REMOVE as well as communication from their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MI

Complaint narrative:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-05-19 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: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to remove any inquiries not later than 4 business days. I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-19 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

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 2023-05-19 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 my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX 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, 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 2023-05-19 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: MO

Complaint narrative:
Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX  complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due. 
The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.

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 2023-05-19 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: MO

Complaint narrative:
Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due.

The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MO

Complaint narrative:
Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX  complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due.

The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.

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 2023-05-19 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This is being filed as the company failed to adequately respond to the XXXX  complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. 
After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CA

Complaint narrative:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2023-05-19 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime suddenly e-mailed me that my account was closed to to policies, when I looked up the policy it was due to them believing that it's a business account when it is simply my personal account. I've been emailing them and talking to them on the phone about getting my account back and the money within but I'm not getting a lot of answers. I am between jobs right now so all the money I have in the world is in that account and I need it to cover utilities and rent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NV

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.

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 2023-05-19 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: NV

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Sent multiple letters off to dispute inaccurate accounts on my report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
ACCOUNTS : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FRCA, 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, They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Sent multiple letters off to dispute inaccurate accounts on my report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
ACCOUNTS : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, 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, They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation