vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: MO

Complaint narrative:
XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair. 
Thank You regarding this matter!

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I sent letters to consumer reporting agencies ( TRANSUNION, XXXX, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
ON XXXX -- 2022 I DID NOT GIVE XXXX XXXX XXXXXXXX PERMISSION TO OBTAIN MY CREDIT REPORT 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 explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX, I didn't give XXXX XXXX permission to obtain a copy of my consumer credit report.

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 explanation
Consumer complaint received 2022-04-08 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:
Noticed a new/old collection acct on my TransUnion credit report. Contacted TransUnion this acct was previously on my credit report with XXXX XXXX for XXXX in which I filed a police report due to Identity Theft. The collection was removed sometime in XX/XX/XXXX. I received notification that the XXXX acct is now using XXXX XXXX as the debt collector and that the collection would not be reported to any of the credit bureaus and they provided me with a letter on XX/XX/XXXX and notified all reporting agencies for all credit bureaus to delete this acct from my credit report. XX/XX/XXXX I was notified that the collection for XXXX XXXX for XXXX is reporting on my TransUnion. I contacted and spoke with XXXX in the Special Handling Department of this error and uploaded the letter from XXXX XXXX as well as the police report and provided the AUD ticket # to delete immediately. XXXX informed me that the only communication they use to remove a derogatory mark is via dispute and it could take up to 30 days and in the meantime, I have to suffer with a 75 point drop to my credit risking being denied approval for housing and credit for my business since PG is required. This is not fair that this collection acct keeps making its way back onto my credit report affecting my credit profile. I have asked for this to be removed and deleted from my report immediately. TransUnion is behind in time not able to assist with urgent life affecting matters as this.

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 2022-04-08 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: MO

Complaint narrative:
I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Called to inform collection agency that debt is no longer owed. I called where the debt originated and they said I do not owe anything. Therefore I called collection to them that. They refused to contact debtor to validate claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MS

Complaint narrative:
Inaccurate and incomplete information is being being reported across XXXX, XXXX, and EQUIFAX. Collection accounts showing recent past due status and recent late pay status to keep scores low. Closed charge off accounts with recent past due status and recent late pay status to keep scores low. This has been done for over 2 years. Re-aging of derogatory accounts to make them look more recent to lower scores. All violations of the FCRA. All 3 bureaus are reporting inaccurate information. The bureaus did not share the XXXX when accounts were deleted from a dispute. Inaccurate reporting is not adhering to Metro 2 guidelines/standards of deleting inaccurate accounts/information. Updating and correcting disputed information instead of deleting the account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MO

Complaint narrative:
I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all 3 credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.

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 2022-04-08 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: MO

Complaint narrative:
I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX.2021, I didn't give XXXX XXXX XXXX permission to obtain my consumer credit report.

15 U.S.C 1681section 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 accoun
t without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express card- I checked my account closely at XXXX 2021 and charges totaling {$4500.00} to e-gift cards from XXXX were on my mobile account. I reported this immediately and was told this happened to others and not just me! XXXXnvestigation and I assumed their Investigator for Fraud called me and it was hard to clearly hear him. Again, I assumed and shouldnt have!! They have now told me I am still responsible for these e-gift cards-I am an old lady and I do Not do anything EVER with e-gift cards. 
I never made the purchases!! I have been arguing with the Fraud Dept. For Months! They have also reported this to the credit bureaus!! XXXX XXXX is not taking responsibility here! I dont have $ to pay for Fraud on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I discharged  my XXXX XXXX Credit card {$9000.00} with my XX/XX/2021 bankruptcy, but it is showing that it is in collections and was not discharged as it should have been.

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 2022-04-08 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: WI

Complaint narrative:
Reached out to equifax multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
An account for a loan of a vechile was opened fraudulately XXXX my name from a grand view finacial company and now is XXXX my credit report for XXXX owed. Ive never even tried to get a car loan I've always purchased my used vechiles outright with cash. I've disputed this account several times and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax for years not still have XXXX on my credit file as a repo and I have never had any repossessed vehicles! I have been going over this for many years for them to take this account and many others off of my credit file I will now have to file suit Their are several XXXX banks accounts also still there that I have reported as fraud as well over a year ago and I sent in paperwork from the company stating for all bureaus to remove the accounts from my file and all bureaus did it except Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX and I began email correspondence to discuss me purchasing a XXXX The XXXX XXXX XXXX XXXX Print Silk Shawl from her. On XX/XX/XXXX, I agreed to purchase the scarf for {$850.00} via XXXX. The {$850.00} consisted of the price she was selling the scarf for, XXXX fee, shipping cost, and insurance cost. 
I sent the {$850.00} to XXXX that day and she shipped the scarf to me the next day, XX/XX/XXXX, and provided me the tracking information. The day after that on XX/XX/XXXX, I found the scarf on XXXX website for almost {$300.00} cheaper. I emailed XXXX and asked her if I could return the scarf to her for a refund since I was able to find the scarf for a much better price. 
She didnt immediately respond to my email so when I received the scarf on XX/XX/XXXX, I shipped it back to her the same day without even opening the box. I emailed her to let her know the scarf was on its back to her and provided her with the tracking number and advised it would be delivered on XX/XX/XXXX. I asked her to please issue the refund. 
It was at that point that she told me all sales final. This was the first time we had discussed any type of cancellation or return policy. I explained to her she would have had to tell me the sale was final before I made the purchase not after. She said she would mail the scarf back to me when she received it and would not be issuing the refund. 
She did send it back and I received it again on XX/XX/XXXX. Once again, I did not open the package and mailed it back to her on the same day. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX shows it was delivered to her on XX/XX/XXXX. She has not sent it back. 
I do not have the scarf nor has XXXX agreed to refund my {$850.00}. 
I am enclosing all of our email correspondence, pictures of the package both times I received it and mailed it back, and pictures of shipping confirmations when I mailed it back to her. 

XXXX  CONFIRMS THE MERCHANT ACCEPTED THE RETURN. 

THANK YOU, 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 monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
About : RPM - Receivables Performance Management LLC XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, WA XXXX T : ( XXXX ) XXXX On XX/XX/XXXX, I received a telephone call from the above referenced company. During that conversation, I informed them that I do not owe {$2400.00} to anyone. As I was trying to get clarifications and proof from them, all they kept repeating throughout the conversation was that I pay all my debts in time, and that my credit history is very good. I stopped the conversation by asking them to mail proving documentation to me, and also to stop all other communication with me, with my address, and to record that I dispute having any obligation for that debt. They kept calling repeatedly for months on end, and never provided any of the documentation that I had asked for during that telephone conversation. They started sending me invoices to settle the debt in lower amounts. Then to my surprise, on XX/XX/XXXX, I received a notification from a credit bureau that this company had made the debt of {$2400.00} public. On XX/XX/XXXX, I sent them a letter which copy I am providing here.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This account was opened due to stolen identity, and was never remover after years of back and forth with Experian Credit Bureau. Now this account has passed the statute of limitation and the date of last activity which is 6 years in Minnesota. It is still on my consumer report. I have sent several request and it is still not removed Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX}, XXXX written off. 
Status updated XX/XX/XXXX Balance {XXXX} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {XXXX} Original balance {XXXX} Highest balance {XXXX} Terms NA On record until XX/XX/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 2022-04-08 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
This medical collection was paid by my Union insurance with XXXX to the XXXX hospital. I was and still am covered under my Union Insurance during the time of this work place injury, which is the reason why I am not nor should have ever been responsible for a paid medical bill cover by my insurance for a work place injury. H & R Accounts Inc. is a collection company who has illegally reported this derogatory medical debt collection to my credit report. I have never received any letter regarding this bill but H & R Accounts still reported this illegal account to my credit report. This is costing me thousands of dollars in interest and irreversible damages to my credit score. Please let this serve as my formal complaint against H & R Accounts Inc. for illegal reporting negative paid by insurance medical collections to my credit report without notifying me first.

Company response to consumer: Closed with explanation