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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the inaccuracy of this account on multiple occasions for years. I have submitted concrete proof of school records that shows both of my children are in my care. XXXX has DELETED the account from my Credit Report but XXXX and EXPERIAN continue to violate my rights. 

Please be advised the inaccuracy and fraudulent reporting of the account below has negatively impacted my ability obtain credit and build a life for my family. Not only is it a deformation of my character but it incorrect and has been detrimental to moving my life forward with my wife and children. This account has stopped me from being able to purchase a home and a second vehicle for my family. You will also see with my childrens school records attached to this letter, that my XXXX children that are attached to this account have lived with my wife and I for most of their school career. Let the record reflect that their mother lived XXXX hours away from my wife and I, making her not regularly present in their lives. It was only when she decided she wanted to a mother again in XX/XX/2020 that she took me back to court to have the court remove them from my home and their school to place them back in her home. Let the record also show that my wife and I then relocated XXXX hours to ensure that our children remained together. My sons are now back in our home once again. This has been both an emotional and financial hardship for my wife and I as well as our other XXXX children. 


Account Name : OFFICE OF ATTORNEY GENERAL Account Number : 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 2022-04-08 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: IL

Complaint narrative:
XXXX is reporting a closed account that hindering me to use my credit the account is credit strong

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is reporting a closed account that hindering me to use my credit the account is credit strong

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am truly disappointed with this company.. I called this morning, XX/XX/2022 at XXXX EST, to request a copy of my credit report and score. I spoke with a rep by the name of XXXX, they won't give you they're full name, to place the request. As I'm speaking with this rep, of course the normal way they send the report is via mail, however I asked if the report could be emailed. The rep said it could be requested for a charge of {$9.00}. I agreed to pay the charge to have my report sent immediately. The rep verified my email address, processed the charge and stated the report would be to my email address in about 5-10 minutes. Well its now been two hours since I spoke with this rep, no credit report has been received, so I called back and spoke " 4 '' different reps, including " 2 '' supposedly supervisors, but found out the report could not be emailed that I was provided incorrect information. I've had to request for the charge to be refunded and I will go online and request my report. This is unbelievable how much lack of responsibility for they're errors which is unacceptable, especially when they have access to our personal information that affects our lives. I no longer trust this bureau with my personal information and I am now concerned what will happen to my credit report from this bureau in the future. I also have to contact my financial institution to dispute this charge. There are also several negative complaints on XXXX about TransUnion.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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: NY

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 an 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: NY

Complaint narrative:
Ive been a victim of identity theft

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: NY

Complaint narrative:
Ive been a victim of identity theft

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: FL

Complaint narrative:
There are fraudulent inquiries being reported on my Equifax consumer credit report and file. Pursuant to 15usc 1602p this is unauthorized use, because no person was given the authority to use my credit card or furnish these inquiries on my consumer credit report and file, nor did I benefit from these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has closed down my XXXX XXXX XXXX store card without my knowledge or consent. I found out about it from my credit monitoring company. The account was in good standing, never late, and it had {$0.00} 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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CAA told me that they were unable to send an email receipt or documentation because of a CFPB Massachusetts law. I looked it up and this was not correct. I am concerned about the company ( 2 of 4 representatives ) lying about the law in order to prevent me from receiving documentation on prior payments made to the company. Especially considering that I believe that I payed the new debt claim that they are stating that I owe. They specified that it was illegal for any collection agency to email me in any capacity.

Ironically in order to dispute the claim the wanted proof - the same proof they were unwilling to send me via email. 

I am unable to protect myself and it seems to be predatory behavior to only provide proof that I paid via snail mail. They are purposely not allowing consumers the ability to protect themselves in case they need to provide proof of payment. 

Hopefully you will be able to receive the recordings. 

I spoke with XXXX - employee number XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify and/ or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
I broke my wrist and went to XXXX XXXX XXXX to fix it on XX/XX/XXXX. After discharge, I received a bill from the hospital. I paid this hospital bill in full. Beside the hospital bill, I also received a bill of {$5400.00} from XXXX XXXX. I called them up, I informed them that I already paid the hospital bill, and they need to contact the hospital for their payment. Few months after that, I received another bill with the payment of {$1600.00} from XXXX XXXX again. I called them back again, and told them that I do not know them and did not call them for any service. If they have a contract to provide the service at the hospital, and they do not get paid enough from the hospital. They can not pass the rest of the payment to me. Its a problem between the hospital and this service. 
I already paid the hospital bill in full. 
XXXX XXXX sent the bill to FirstPoint Collection Agency, I called this agency on XX/XX/XXXX to explain my situation, and reported that I paid the hospital bill for my XXXX on XX/XX/XXXX. I do not know or do not call for any other services while being hospitalized at XXXX XXXX XXXX. Im not response for any payment if the hospital did not pay enough to his/her contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Ive been struggling with all 3 credit bureaus on My legal name change and now this Account problem all 3 of my Accounts have a Listed Account XXXX XXXX that has been charged off 4 years ago and Spring Oaks LLC is listed on my Credit Report also. Same Debt Duplicate Debt listed Ive contacted XXXX they will not remove it. Spring Oaks LLC states that they bought the debt from XXXX  XXXX.who purchased the Debt from XXXX This is Destroying my Credit the FCRA states this is illegal please delete both accounts for Violation of The FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company is stating I owe a debt which I called the hospital and I do not owe anything. I have requested validation and nothing has ever been received.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.

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: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
this medical collection has been paid

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion XXXX XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the inaccuracy of this account on multiple occasions for years. I have submitted concrete proof of school records that shows both of my children are in my care. XXXX has DELETED the account from my Credit Report but EQUIFAX and XXXX continue to violate my rights. 

Please be advised the inaccuracy and fraudulent reporting of the account below has negatively impacted my ability obtain credit and build a life for my family. Not only is it a deformation of my character but it incorrect and has been detrimental to moving my life forward with my wife and children. This account has stopped me from being able to purchase a home and a second vehicle for my family. You will also see with my childrens school records attached to this letter, that my XXXX children that are attached to this account have lived with my wife and I for most of their school career. Let the record reflect that their mother lived XXXX hours away from my wife and I, making her not regularly present in their lives. It was only when she decided she wanted to a mother again in XX/XX/2020 that she took me back to court to have the court remove them from my home and their school to place them back in her home. Let the record also show that my wife and I then relocated XXXX hours to ensure that our children remained together. My sons are now back in our home once again. This has been both an emotional and financial hardship for my wife and I as well as our other XXXX children. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I went on the online portal of Optum Bank who administered my then XXXX with XXXX XXXX. Through the portal I made a payment of {$45000.00} to a medical provider. This transfer is showing on my XX/XX/2021 statement, but it never arrived at my providers office. They have been very patient, but my account is about to go into collections now, if I can not prove that I made the payment. 
I have called and emailed Optum Bank multiple times, and they always assured me that the payment had been made and that they would send me proof of the transaction via email. I never received a single email from them ; and yes, I checked my spam folders. 
In addition, they offered to send the documentation directly to the provider. Needless to say, nothing ever came through. 
If Optum Bank does not provide me with the necessary paperwork, I will have to pay the amount again, just to prevent it from going to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
My father passed XX/XX/XXXX and I was assigned as administrator of his estate during probate. The probate court required that I maintain the utilities at his residence where his XXXX was living during the probate process as she had made a claim to part of the estate. 
Around XX/XX/XXXX, dad 's house sold and probate court had me send a final payment tXXXX XXXX XXXX XXXX  and end services. This was done and court was satisfied. Probate was closed around XX/XX/XXXX and funds were distributed. 
Around XX/XX/XXXX, XXXX XXXX XXXX  started contacting me claiming I owed them money in the amount of about a month of service. I explained the situation to them and made it clear that I owed them no money. 
About XX/XX/XXXX I received a letter from CBE Group as an attempt to collect on the invalid debt. I responded immediately explaining that the debt was invalid. 
My response was ignored and soon after the debt showed on my credit report and the phone calls started. 
I now receive multiple calls per day by this debt collector. They use computers to assign them fake local numbers in order to dodge my spam filter and blocked phone number list. 
This is not a large debt and I have considered paying it to make them just go away, but that's what they want and I will not pay a debt I do not owe!

Company response to consumer: Closed with explanation