vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Hello, Last year I visited an XXXX XXXX XXXX to receive treatment for food poisoning. They collected samples, ran tests on XX/XX/XXXX, gave me the results, and I paid my bill with them directly. The name was XXXX XXXX in XXXX XXXX, XXXX. I received my results over email and no longer had any communication from them. 

Fast forwarding to now, XXXX of XXXX I just got a call from a Debt Collection Service ( Harris & Harris ) that I have an outstanding debt from XXXX XXXX XXXX for Lab testing? I never visited or received treatment at any XXXX facility at all last year, so I had no reason to believe any billing statements from them were legitimate. The billing statements were sent to an incorrect address so I never had a chance to address the issue. There was no attempt made to contact me through mail at my correct address or through email. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$870.00}.

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 2023-04-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, it is TRANSUNION 's duty to be reporting correct and accurate information on my credit report and file- however they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of a 90 days late payment on XX/XX/2016 and XX/XX/2016. These are incorrect and supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report, A transaction constitutes these inaccurate late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
In XXXX, I switched cell phone service from XXXX to XXXX and paid any balance in full. Months passed and eventually got a new bill under my name with a DIFFERENT PHONE NUMBER that I never had. I communicated with customer service and they transferred me to the Fraud Department. The rep determined the account was created by an unknown employee by using my identity. I contacted the local authorities and filed a report, which I have attached in you page. 

Debt has been sold to third party collection companies that I have called to inform it has been fraud. 

On XX/XX/XXXX, I wrote a certified letter to CBE GROUP demanding proof that this debt was mine. I also included the police report. 

On XX/XX/XXXX, CBE GROUP responded with the attached letter ; informing that the debt was confirmed. 

This situation has affected my life and credit opportunities. 

I respectfully request to investigate with hopes of removing this record from the bureaus XXXX, XXXX, and XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/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 2023-04-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX by XXXX and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XX/XX/XXXX and received discharge notice as well as letter from XXXX showing debt discharged and I'm not responsible. XXXX as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have sent this company numerous police reports of identity theft for an apartment I never lived at. They requested leases from where I lived during that time. I sent certified mail the leases and they never responded and there have not taken it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: KY

Complaint narrative:
These are the accounts that I am having issues with.XXXX  XXXX  XXXXXXXX XXXX acc # XXXX 
XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX. 
XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 
{$1500.00} acc # XXXX. 

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 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) 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 more than 7 years 15U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a 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 2023-04-07 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: GA

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: 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 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 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 2023-04-08 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 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 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 2023-04-07 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: IL

Complaint narrative:
I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on TRANSUNION AND NOT XXXX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on Transunion and not on XXXX or 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 2023-04-08 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: CA

Complaint narrative:
Pursuant to the FCRA, it is EQUIFAX 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX. This includes the reporting of 120+ days past due late payments. This includes the reporting of 120+ day late payments on XX/XX/2018, XX/XX/2018 and XX/XX/2018. These INCORRECT and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that EQUIFAX has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian when I noticed a discrepancy in my mortgage balance with XXXX XXXX. They are showing a {$150000.00} balance when, per the XXXX 's website, the current balance is close XXXX. I filed a dispute online with Experian. I provided screenshots of both XXXX 's webpage and even Experian 's ( expanded details on my XXXX 's account showing payments each month and that the running balance of the mortgage was also XXXX, just like shown by XXXX. ) I asked them to correct the amount, That was XX/XX/XXXX. 
Today - XX/XX/XXXX, I get an email stating the dispute has been " resolved '' and that the amount has been updated... STILL SHOWING AN ELEVATED BALANCE OF XXXX. They did NOTHING. 

Please note that ONLY Experian has this error. I checked with XXXX and with XXXX- THEY have the correct mortgage balance at about 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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My TransUnion Credit File No. XXXX dated XX/XX/XXXX shows that XXXX XXXX requested information from my credit file on XX/XX/XXXX. I previous reached out to management when I noticed that the company had pulled my file on XX/XX/XXXX and was advised by XXXX XXXX that they had not pulled my credit and would remove any and all inquiries from my file. My file clearly shows XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX accessed and reviewed my credit file without permission on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX. The problem I have with this is the company advertises in BIG BOLD LETTERS ... .NO CREDIT CHECK. Therefore, when I am getting a title loan through this company, they should NOT be pulling my credit under any circumstances. This practice is illegal and should be handled accordingly.

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 2023-04-08 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-08 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!! 

The accounts listed here need to be REMOVED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXXXXXX Act. # XXXX, XXXX Act. # XXXX, XXXX  XXXX Act. # XXXX, XXXX XXXX Bank XXXX # XXXX, XXXX XXXX XXXX  Act. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Childsupport Act. # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, Self 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