vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Area Collection Service, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I checked my credit score via XXXX, and noticed a new and unknown collection account. This account claims to have been opened XX/XX/XXXX for {$2300.00}, the original creditor [ XXXX XXXX XXXX ] is unknown to me and I have never been contacted by phone or in writing by the representing collection agency [ Metro Area Collection Services ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), so I immediately started an online dispute. I also issued a written debt verification letter to the reported agency requesting immediate verification / removal of the debt. This notice was written and mailed on XX/XX/XXXX. To date, XX/XX/XXXX, I have never received anything in writing from this firm, have never been contacted by them, and have no knowledge of the claimed original creditor. This debt is unverified and has been filed unlawfully per The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX XXXX XXXX -- -> {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Home Loan Center, Inc.
State: PA

Complaint narrative:
A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with XXXX, XXXX. I did not discover this until months later in XX/XX/XXXX. I contacted XXXX to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several of the things that I have dispute it on my credit report have never been taken off. I have proven several times that my identity was not only stolen, but even they have proven that my identity was stolen due to the data leaks within their company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: NC

Complaint narrative:
This is from a medical transaction the account says there is no balance and the account was paid by my medical insurance. I have contacted them to verify what kind of debt is owed and have disputed with the credit bureaus. They have not responded to me with any verification and validation of this perceived debt. 

I sent off a letter they never responded to XX/XX/2021, but they received XX/XX/2021. I have included documents with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: CO

Complaint narrative:
On XX/XX/2022. I sent an mail regarding inquires on my credit report, receives no answer. Today XX/XX/2022, I called Experian to follow on the inquires that I don't recognize, I've contact the company and there is no account connect/ open with them. I was told by the Experian agent they can help remove the inquires. This is after I explain to them and i had a fault alert on my account this year for possible identity theft. 

For there call log the call was made to XXXX XXXX XXXX and the last XXXX mins and at XXXX XXXX. 


The inquires not to be remove on my account are : 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 2022-04-18 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: PA

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I opened a line of credit from XXXX to purchase an XXXX. This was a deferred interest purchase. I also made a few other regular purchases. My deferred interest is expiring on XXXX. On XX/XX/XXXX I made my payment of {$100.00}. I then called on XX/XX/XXXX and requested to make a payment on the deferred interest balance which was {$560.00} and was assured by the agent this would be applied to the balance of the special finance balance. A few weeks passed and I noticed the deferred interest balance was still on my statement. I called again and was told I was wrong and the {$560.00} was paid to the deferred balance. In XXXX I received my new statement and the deferred interest still has a balance. I then sent out three emails and am being told I can't make a payment to pay off my deferred interest balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told in XXXX of XXXX as the loan matured a balloon payment of {$21000.00} was due in XX/XX/XXXX The original loan company was IndyMac Bank The loan was transferred to XXXX a service link company Loan # XXXX Lender Loan # XXXX Spoken with several representatives from XXXX. No one could give me a reason for the balloon payment I've never missed a payment in 15years. I paid the amount of {$21000.00} Why did I have a balloon payment due... was this legal. 
My loan originated XX/XX/XXXX If this wasn't legal or as I heard all balloon payment as of XXXX were canceled, how to i get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a few accounts on Transunion, XXXX, and XXXX. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. XXXX XXXX XXXX  doesnt have the right address. XXXX XXXX has different amounts on all 3 credit bureaus. Its a closed account with a past due balance of {$1600.00}.

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 non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a few accounts on XXXX, Equifax, and XXXX. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. The vancehuffman account doesnt have the right address. XXXX Now has different amounts on all XXXX credit bureaus. Its a closed account with a past due balance of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Sunbit, Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received the results from any investigation report...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NY

Complaint narrative:
I believe my information was used for XXXX  XXXX  through 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 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This company is doin fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX  XXXX  XXXX Derogatory Information 3 Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 
Convergent Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX  XXXX  XXXX Derogatory Information 3 Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
When switching to XXXX they where to pay it but didnt. By time on my credit was during covid shut down and couldnt pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:XXXX****, XXXX XXXX Account XXXX, XXXX/XXXX Account Number:XXXX****, XXXX XXXX  Account Number:XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:1609****, XXXX XXXX Account NumberXXXX, XXXX/XXXX  Account Number:XXXX****, XXXX XXXX  Account NumberXXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: ERC
State: TX

Complaint narrative:
I filed a dispute in regards to incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received the results from any investigation report...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX  Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX  ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 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 innaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX ; XXXX XXXX Bank 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following information that Credit Bureaus are reporting in error.

Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In XXXX I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over five to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies. 
I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.

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