vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
A collection account has been added to my credit report for an amount {$340.00} that I do not owe. 

Debt Collector Info : MBA Law  XXXX XXXX XXXX XXXX TX XXXX Here is an excerpt of a letter I sent on XX/XX/XXXX explaining why I did not owe : I received a call prior to the procedure from the providers insurance department. I was told that my share of the cost ( after insurance coverage ) was {$200.00}. I then scheduled the procedure. When I arrived at the provider location, I was asked to pay {$540.00}. I explained my conversation with their insurance department which stated I would have a {$200.00} out of pocket cost. I was told by the check in person that they would accept the {$200.00} so I paid that amount and had the procedure performed. 

Here is an excerpt from a letter I sent to MBA Law on XX/XX/XXXX after MBA Law placed this on my credit bureau report : This is in response to your letter dated XX/XX/XXXX regarding a balance owed for services from XXXX in XXXX. 

There is no dispute that I received these services. The dispute arises from the fact that I called to schedule my procedure and asked about the out of pocket before I booked the day and time. As you can see from the enclosed letter copy dated XX/XX/XXXX that I was told that my out of pocket due at the time of check in will be {$200.00}. When I arrived for my appointment, I was told it will be {$540.00}. I explained my conversation with their insurance verification team and was told {$00.00} and they said they would accept the {$200.00}. 

Please have your client honor their commitment. 

Further Notes : I received no prior notification of the debt before the collection was placed on my bureau report. No phone call, no letter, nothing. Super unfair to do this without even talking to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$760.00} Status Account charged off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Open. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.

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 2022-07-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # 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 2022-07-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt 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 explanation
Consumer complaint received 2022-07-11 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: CT

Complaint narrative:
I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different XXXX and the acccounts are illegally beign re-aged.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried several times to dispute a bankruptcy on my Trans Union credit report Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the XXXX creditor, they must remoce said information from the consumer credit file. 
Docket # XXXX The County Recorder of Deeds and the Bankruptcy Courts have both mailed letters which stated that they do not provide any information to credit report agencies nor do they validte and/or confirm public reocrs. 

Per the Fedela Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verfication of the original signed consumer contract and/or judgemnt all accounts and public information that you post an anyone 's credit.

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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I do not bank with CITI bank. I got a voicemail from CITI bank stating there was suspicious activity and to call them. I did. They stated someone tried to open an account in my name. I told them it was not me and do not push the application through. They did and I received the debit card in the mail anyway. I have talked to at least 5 people in the past few days trying to get this account closed. She said they will not close it because they have to investigate what happened, but that they would put a block on it. I do not want an account open in my name that I didn't open. Also I asked about the policy provided on their website : to apply online the person must show a government issued ID and social security number. I asked if someone requested all of that from the person that applied for this in my name and she would not tell me.

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 2022-07-11 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: GA

Complaint narrative:
Hello I am requesting the removal of a bankruptcy from my XXXX report, and Trans Union report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.

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 2022-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have applied for assistance from the homeowners assistance fund in Nebraska. I was approved back in XXXX but Wells Fargo isnt providing any help in this problem and has continually fed me lies. They are not doing anything to rectify this. The funds are available for me to help with my mortgage payments but for some reason that Wells Fargo cant explain, nothing is being done on their end. I am close to being foreclosed on. Please help before I lose my house which Ive been paying on for more than 20 years.

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 2022-07-11 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: CT

Complaint narrative:
I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different DLA and the acccounts are illegally beign re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello I am requesting the removal of a bankruptcy from my Experian report, and XXXX XXXX report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.

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 2022-07-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-07-11 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: SC

Complaint narrative:
I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX ( account numbers are inaccurate ) h

as 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 2022-07-11 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: SC

Complaint narrative:
I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account numbers are inaccurate ) 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: WA

Complaint narrative:
The fake Military guy, XXXX XXXX, reached me through my XXXX, said he is an Orphan, parents died XXXX old and was adopted by a priest, half XXXX & XXXX, and was a loner. I am older than him so he asked to be my brother. I have XXXX for a long time because of my violent marriage & go through a divorce now so I thought I need a friend/brother, he said he had XXXX too so we help each other. Suddenly he said he need to send me an important package to family of his Military Certificates & rewards through a delivery company XXXX XXXX XXXX with a tracking number, the rewards included a lot money inside. He will pay me back the fees I help him pay. I promise I just take back the money I paid fees and keep his money save until he got home in a month. I was XXXX completely following all his directions plus an delivery agent contacting by emails and text messages. The fake package was a security box traveling XXXX XXXXXXXX to US going through so many stopped by the fake Airport Authorities. They requested huge payment to get through gates {$5000.00} for across the border, {$10000.00} for Duty Stamp, {$47000.00} for Non-Inspection certificate just to go pass the Inspection. I was XXXX using all of my savings I saved for years to help a brother I believed a soldier in XXXX who need familys help. After paying all of my savings, the package is 90 % reach me, then they said the delivery was stop by FBI. They scanned and see all the money inside for {$440000.00} something and requested for Anti-Drugs certificates & Anti-money laundering Certificates for {$240000.00} to pay in total or they will put me into jail I told them I dont have any money left and I am a victim here. My brother even pretended to ask his Superior to help contact with FBI but they still requested payment. I told them I am totally broke & XXXX losing all the money I had paid {$63000.00} total before. They still insist that I will be in jail for money laundering. 
Long-short story about my crazy stupid Military romance online. I hope and wish no-one got XXXX and scam like me. I am in so much pain & depressed now and dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: PA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy XXXX. XXXX 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 2022-07-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy XXXX. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Comenity bank holds the balance on my Wayfair card. I have XXXX access to my account. When I log in, it incorrectly tells me my account is closed. The customer service agent stated that my account was recently moved to XXXX ( it was not moved to XXXX, I never opted to take a new Wayfair account with XXXX when they took over ) So I once again had to take another hour to sit on hold hoping someone would answer their phone. They dont respond to messages, the customer service number is a joke. Ive sat on hold for hours only to be disconnected, played a message that their updated system is having issues or somebody answers and does NOT help or even speak English close enough to understand. They ban access to make a payment online or on the automated number and then have the nerve to charge {$9.00} for one of their customer service agents to make a payment for me from my checking account. My payment was due earlier in the month and there is no way to receive help on this matter. I have never missed a payment or been late with a payment. Im concerned they will be reporting me as late to the credit bureaus and charging more late fees and interest.

Company response to consumer: Closed with monetary relief