vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
After numerous attempts to speak to someone over the phone, via their dispute site, and through mail, I sent a formal letter of intent to sue over the following FCRA violations. This was the only time that I received correspondence. 
Numerous Privacy violations FCRA VIOLATIONS INCLUDING REPORTING OLD/OUTDATED INFORMATION, MIXING MY CREDIT FILE WITH MY FATHER 'S ( WHO HAS THE SAME NAME AS MYSELF, AND HIS WIFE AND MY WIFE 'S FIRST NAMES ARE THE SAME ) FAILING TO SEPARATE MY FATHER 'S CREDIT FILE FROM MINE. 
Failing to investigate a dispute REFUSING TO DELETE UNAUTHORIZED INQUIRIES CIRCA XX/XX/year> AFTER A PHONE CALL FROM ME STATING THEY WERE NOT VIABLE, FAILING TO UPDATE RECORDS. 
Violating 15 U.S.C. 6802 WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

15 USC 1681 STATES TRANSACTIONS ARE TO BE EXCLUDED AND THE REPORTING OF LATE PAYMENTS IS ALSO ILLEGAL AND YOU HAVE ALLOWED SUCH THINGS ON MY CREDIT REPORT IMPERMISSIBLE CREDIT PULLS AND PRIVACY VIOLATIONS INCLUDING 15 USC 1681Q- OBTAINING INFORMATION UNDER FALSE PRETENSES, THEN VIOLATING 15 USC 6802 ( GRAMM LEACH BAILEY ACT ) WHEN YOU DID NOT ENSURE THE PROTECTION OF MY PERSONAL FINANCIAL INFORMATION.

18 USC 1028 A- THIS IS A FORM OF AGGRAVATED IDENTITY THEFT AND IM LOOKING TO PURSUE DAMAGES TO THE EXTENT OF THE LAW

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 2024-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: KS

Complaint narrative:
On XX/XX/year>, I suffered an XXXX XXXX. I went to the XXXX XXXX XXXX 's ER, where I received very bad medical attention and was sent home in the same condition that I arrived. Afterward, they sent me a bill for {$850.00} that I paid through their OWN system on XX/XX/year>. Please see Attachment XXXX, with the receipt from XXXX XXXX XXXX which is the hospital 's system to make electronic payments. Also, please check Attachment XXXX, where my insurance immediately paid their part of the bill. 

However, it seems that XXXX XXXX XXXX regularly sells or shares information about people who have pending bills with different collection agencies. It doesn't matter if the debt is due by a week, a month, or a year. They sent the personal information to the collectors. Those collection agencies then ( at least three in my case ) started to harass the patients by sending letters to their houses threatening to create a negative credit report. Even after you have paid the debt, the collecting agencies continue sending correspondence without verifying the payment status with the hospital. What is more unfortunate, is that those collection agencies increase 10 or 15 % the amount of the bill that " you are supposed to pay '', which is clearly a scam. Please check the last letter from a collector I received this week attachment 3, with an arbitrary increase in the amount of money that " I suppose own to the Hospital. '' It's a shame that I've trashed all the other letters from other collector agencies I got in my house after confirming with the hospital that I don't have any debt with them. 

After three attempts from different companies to collect money I don't own, I consider this should stop. This is abuse and harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/year> first charged off ) since then the account has been repeatedly updated as charged off every month with {$0.00} amount own. This is an updated payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.

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 2024-07-14 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Dear Equifax Support Team, I am writing to formally dispute XXXX fraudulent accounts that have appeared on my credit report. Despite numerous calls to your support team and completing the necessary verification processes, I am still unable to access my credit report. 

Please find my details below : - Confirmation Number : ** XXXX - XXXX XXXX : XXXX - Disputed Accounts : ** XXXX fraudulent accounts - Email : XXXX - XXXX - User Name : XXXX I request your immediate attention to resolve this issue and grant me access to my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: MI

Complaint narrative:
On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( XXXX XXXX XXXX1c-2 ) and the Fair Debt Collection Practices Act

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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IA

Complaint narrative:
XX/XX/year> Received a call from US Bank customer service stating that a credit card that was never activated had been used to try and make a purchase outside of the state I reside in. Spent 25 minutes on the phone verifying myself and that no use of the card had occurred for years and that card was never activated. 
XX/XX/year> Make 5 separate calls to try and get account dealt with to get online banking for checking account open as at this point I am not able to access my checking account as the credit card company has put a lock on my online banking. I can not see or access checking account, mortgage or equity loan to verify no other suspicious activity is occurring. Spent over and hour on the phone with 5 different representatives and kept getting transferred to different department and having to reverify all my information at each transfer. They stated that only 1 representative could assist and that person is not ever available when I call. 
XX/XX/year> Contacted local US Bank XXXX XXXX XXXX office by email and phone to try and get accounts closed or gain access to my checking account. The local bank stated needed to cancel credit card with the credit card company. 
XX/XX/year> Tried calling customer service again to try and close credit card account and redeem rewards and they are not able to assist with this. They stated I need to talk to different department and started transfer system again.

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 monetary relief
Consumer complaint received 2024-07-14 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I tried to deposit my check from my employer. I was told that because of possible fraud, my funds would not be available until two business days. The bank assumed that my actions were fraudulent and I believe it is because I am a XXXX person. I called Wells Fargo customer service and was transferred a few times. Each person at Wells Fargo I talked to had a different excuse as to why a hold was placed on my check. One person said fraud, another person said it was because of the previous Holiday, someone else mentioned that it was because XXXXXXXX XXXX declined the check, and another person said that the check was declined because the Federal Reserve declined. 

My check eventually was cleared and the funds were released to me but not after I was humiliated and told it was fraudulent. I want a detailed analysis of check holds and the XXXX statistics on people who receive these holds. 

I strongly believe Wells Fargo discriminated against me because I am 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 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
I am writing to bring to your attention a situation regarding a debt outstanding since XXXX  with XXXX. I have previously agreed to a settlement payment of this debt, however, I have been subjected to harassment tactics by your representatives. This includes contacting my place of employment with a subpoena and sending me harassing letters via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns is in the name itselfCONN. They are XXXX XXXX. Conns refused to take back the XXXX XXXX XXXX when I called to return them due to job loss, which led to collections and a charge off. Theyre reporting that Im paying as agreed, but I havent made any payments since I requested a pickup. When I did call to settle I was told they would update my account to " paid in full '' after I settled, but they wouldnt put it in writing, so I refused to pay because it means nothing without documentation. 

They also financed my delivery charges without giving me the option to pay upfront and did not clearly explain the agreement. I was told I could return the items if needed, but that was not the case. Conns is a scam, charging XXXX times the actual price and putting people in difficult situations just to collect money and ruin their credit. Companies like this need to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for account ONEMAIN XXXX have been updated the pay status as charged-off which is considered as income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or Charge-off is XXXX. 
Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The XXXX does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IL

Complaint narrative:
On XX/XX/XXXX, debt for XXXX XXXX paid in full to original creditor XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX, located in XXXX, IL ) in the amount of {$1300.00}. During call, it was understood that the debt would be pulled from the creditor as the issue with securing payment was due to a glitch in XXXX 's payment system, as confirmed by the office manager " XXXX. '' Also on XX/XX/XXXX, I was given information on the collection agency hired to collect this debt - IQ Data International , Inc. XXXX suggested that I provide that agency with the receipt she emailed me standing as proof of the amount owed as paid in full. 

On XX/XX/XXXX, contacted IQ Data International and spoke with a collection agent regarding the debt being paid in full. Prior to this day, I had received no mail from IQ Data in regards of the debt. The collection agent stated that 1 ) he did not believe I paid the debt in full directly to the creditor ; 2 ) that I would need to send a dispute letter to IQ Data, and 3 ) if I did not want the debt reported to the credit bureau, he suggested that I also submit a payment to him on behalf of the same creditor. At that time I requested 1 ) a business email address to submit a dispute letter and receipt from creditor as proof of payment and 2 ) I stated that I would not also submit a payment to IQ Data for the same debt that I paid in full with the original creditor. The collection agent continued on, trying to collect what would be a second payment from me and proclaiming that it was the only option if I wanted to debt to not be reported. Eventually, I ended the call and promptly emailed the letter of dispute and proof of payment to the email address supplied by the collection agent. 

On XX/XX/XXXX, I received email notification from XXXX regarding an adverse change to my credit bureau. Upon checking I discovered that XXXX XXXX had reported the debt to the credit bureau after full payment had been received by the original creditor on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX and XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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. Accounts need to be removed from 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX XXXX  it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or Charge-off is XXXX. 

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The XXXX does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : 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 2024-07-14 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Dear Equifax XXXX XXXX, I am writing to formally dispute XXXX fraudulent accounts that have appeared on my credit report. Despite numerous calls to your support team and completing the necessary verification processes, I am still unable to access my credit report. 

Please find my details below : - Confirmation Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request your immediate attention to resolve this issue and XXXX me access to my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation