vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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., 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 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. 
Delete the Following account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 instructions

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
XXXX BANK XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
Transunion and XXXX has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and 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 2023-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: VT

Complaint narrative:
I just received this collection of debt on XX/XX/23. Although, I did go to the XXXX XXXX  ( XXXX XXXX XXXX ) during those dates ( XX/XX/23 ) I never received any carethey only drew XXXX  from me and XXXX  were performed. I was never omitted into the XXXX XXXX. I waited in a waiting room for an hour and then gave up and instead went to a different hospital where I received care immediately and have paid them. 

I had a very XXXXXXXX XXXXy and could have had a XXXX at any moment. This could have resulted in my XXXX. The bill from that hospital ( SVMC ), where I received care for several hours, is almost the same as this bill! How does that make any sense? 

I was hammered with a {$950.00} XXXX XXXX XXXX from XXXX XXXX. for just walking in the door and sitting in a waiting room. I have no issues paying the labs ( although, I was never given the results ). 

The collections agency that sent me the bill is : XXXX XXXX XXXX, located in XXXX XXXX, NY XXXX. 

I never received the original bills from XXXX XXXX because they used an old address for me. I still followed up through their billing portal, updated my address and noticed there was no amount due. At that point, I thought the matter was settled since I never saw a Doctor.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX  XXXX XXXX  has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and 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 2023-10-01 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I requested both XXXX and Experian to remove the fraudulent items from my report multiple times and provided the identity theft report, The items only temporarily remove and then appear later. They have failed to provide verification of the debt when asked you including statements and signatures.

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 2023-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased a prepaid card from XXXX with the amounts of {$300.00} on there the card was supposedly never correctly activated at the store I have contacted them got in a hold of XXXX  XXXX  I've sent them everything possibly needed I emailed them over five times I faxed and over two times everything that they needed from me and every time I do get a call I either get disconnected or they hang up on me and this has been since XX/XX/2023 and all I want is my money it's been over every time I talk to them they tell me to send it in again and wait 10 business days 10 to 15 business days no I'm not doing it again I want my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 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 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 Please remove it 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 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at : XXXX  XXXX XXXX XXXX XXXX, Fl XXXX in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer, did not give XXXX, XXXX, XXXX XXXX Doing Business As Chief Executive Officer, XXXX XXXX, XXXX XXXX, Experian Information Solutions , Inc., XXXX XXXX Doing Business As Chief Executive Officer, or XXXX XXXX Doing Business As Chief Financial Officer of Experian Information Solutions , Inc., written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. Nor did I give WRITTEN INSTRUCTIONS to transfer, furnish or obtain my nonpublic personal information. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.

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 2023-10-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 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 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 Please remove it 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 explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 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 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  Please remove it 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 explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
The account was never delinquent. Account paid in full with no missed payments. During Covid the company didnt have adequate support and each call the customer service was suppose to correct issues and they failed to remove this from my credit report after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
They said denied XX/XX/XXXX never received email. Stay on phone for hour and half and supervisor was to call back nothing. Supposed to email info again NOTHING. Thier website states this also lie. American Express https XXXX XXXX 
Protection Against Phishing and Scams | American Express XXXX you think you've been a victim of a website scam, our Fraud Protection Guarantee means you won't be held responsible for any fraudulent charges, providing... FALSE Advertisement case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Experian is in violated of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Experian Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT. 
A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ). 
15 USC 1681 ( b ) c ) - Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law referenced, EXPERIAN must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately listed in my notice sent to them or they will face legal consequences.

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 2023-10-01 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and 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 2023-10-01 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I initiated an XXXX Credit Bureau dispute on XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX XXXX responded on XX/XX/2023 the dispute process was completed and no changes to the Nelnet account had been updated, it remained the same. Therefore XXXX is continuing to report 10 duplicate Federal Student Loan accounts the balance with Nelnet remained on my report. 
On XX/XX/2023 I filed another dispute with the XXXXXXXX Credit Bureau to dispute the same XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX my dispute is the accounts have incorrect balances, the balances are XXXX. Nelnet was paid in full XX/XX/2023, Nelnet should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received XXXX response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at XXXX, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the XXXX XXXX, the information is easily confirmed via their website and automated system, the XXXX accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is XXXX disputes, I informed the rep, XXXX should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with Nelnet. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but XXXX fail to update it. I have attached a copy of the Nelnet Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in XXXX Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.

Company response to consumer: Closed with explanation