vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: NJ

Complaint narrative:
THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM

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 2020-07-28 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses: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,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses: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,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NJ

Complaint narrative:
THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM

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 2020-07-28 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: OH

Complaint narrative:
After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : 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 explanation
Consumer complaint received 2020-07-28 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: NJ

Complaint narrative:
THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: KEYCORP
State: PA

Complaint narrative:
I had an account with my daughter ( XXXX XXXX ) at XXXX XXXX that was CLOSED in XXXX. KeyBank opened a XXXX  XXXX XXXX with my information. We received a bill for {$30.00}. I spoke with with KeyBank 's financial fraud department on XX/XX/XXXX and disputed the transactions and was told the account was closed ( spoke with XXXX XXXX # XXXX ). I received a letter from KeyBank and called again on XX/XX/XXXX and spoke with a representative ( reference number XXXX ) who told me the credit account was closed and I was not responsible for charges. I discovered when I went to purchase a vehicle that this was a " blemish '' on my credit report. On XX/XX/XXXX, I contacted KeyBank and was on the phone for over 2 hours being transferred from one department/individual to another, eventually speaking with XXXX ( reference # XXXX ) who indicated that I should submit a Credit Bureau and Consumer Report Dispute Form to KeyBank Links Customer Service Area and I would receive a response in 30 days. I submitted this report online and never received a confirmation. 
My FICO score is being impacted due to a " delinquency balance in XXXX '' and a balance is still listed ( on my XXXX  Credit Report ) when I am trying to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: FL

Complaint narrative:
Good Evening I just check my credit and i notice that there are accounts that i did not Authorize I Have never given anyone consent to open these Accounts I'm a victim Of Identity Theft. every Account that is in this Report is fraud and need to be Investigated for fraud this is not right. I'm a hard working Man This Fraud in Florida Needs to Stop companies needs to do there Do Diligence with Identifications with Signatures before they allow an Account to be 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 2020-07-28 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:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

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 2020-07-28 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: CA

Complaint narrative:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

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 2020-07-28 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: GA

Complaint narrative:
I have been disputing with Equifax for several years now concerning the inaccurate reporting of information on my credit report. When I submit the disputes, the results come back verified, but I can not verify these account with the information provided on my credit report ( Account number, original creditor, collections ). Equifax also is report accounts as charge-off and closed, even though I have provided proof of accounts being paid by insurance companies and not having late payments. Additionally, Equifax is also reporting on account that have been closed 5-6 years ago and continues to report monthly with some updates being paid on-time and then late. This is impossible considering that the activity has been reported on the account since the account was closed and/or the last payment was made. Additionally, Equifax is verifying as accurate and verified even though there are HIPAA law violations, which I have mentioned before. Equifax also barred me from seeing dispute results. The results of much of those disputes are no longer available to me. The most recent time this has happened was XX/XX/2020. Additionally, I requested information from Equifax, detailing the independent verification process and methods used when verifying these account. I have not received a response. Much of the inaccurate information reported by Equifax has adversely affected my credit for years, which is a violation of my consumer rights under FCRA and FDCA. Additionally, I contact the accounts on file and many of these creditors were not able to provide me of the original contract with a signature to verify the account was mine. This was also report with not response from Equifax. Additionally, not all infromation is reflected the same across all three credit bureau 's with Equifax having the most discrepancies and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
Let me start this off by quoting XXXX XXXX XXXX Attorney. This was in response to my initial complaint. 

" XXXX XXXX also complains that we violated HIPPA by providing proof of the debt directly to him. HIPPA mandates that patients always have access to their healthcare record. When Mr. XXXX demands proof of a medical debt, it is logical, and required by law, that we send that information to him '' The attorney flat out admits to violating my HIPPA rights. 

HIPPA mandates that a signed HIPPA release is present when releasing medical diagnosis information. This is a clear violation of my Privacy rights. Why do you have a copy of all my medical history? This is not needed to collect a debt.

" If a medical provider is in violation of HIPAA regulations, or a breach occurs that exposes personally identifiable medical information, there are serious consequences including fines and lawsuits. This aspect of HIPAA also impacts medical billing because of the transfer of sensitive, personally identifiable health and financial information to other parties '' This will be the last time i request this be taken off of my bureau. I have consulted with and attorney. If this does not remedy the situation. I will file a HIPPA violation complaint with www.hhs.gov. If that doesn't work I will pay full premium and have you deal with my attorney. I have documented everything in detail.

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 2020-07-28 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: OH

Complaint narrative:
After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : 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 2020-07-28 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: OH

Complaint narrative:
After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : 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 explanation
Consumer complaint received 2020-07-28 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: CT

Complaint narrative:
I have been XXXX  XXXX XXXX  for my student loan for the last 8 months. I pay as early as possible yet i get a late payment on my credit report from 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 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Haven't received paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
1st Franklin Financial ( XXXX, Ga ) is reporting to credit bureau, my payments on a previous account as having been paid 60-90 days late each month. In XXXX they filed a judgement against me, after which, per the terms of the judgement, I paid them on time each month, until the debt was settled in XX/XX/XXXX, and I received a letter from them stating as much. While in the process of trying to obtain a mortgage loan in XXXX, I discovered this discrepancy. I initially contacted 1st Franklin, but was told I needed to file a dispute with the credit bureau. When I did, received notice from XXXX  that it had been verified, so no changes were made. On XX/XX/XXXX, I went into a local 1st Franklin Branch and obtained a printout of my payments, which were all  showing as on time. I then filed another dispute with XXXX, submitting this information as proof. I received a response from them on XX/XX/XXXX, dated XX/XX/XXXX, with payments still showing 60-90 days late. I then visited 1st Franklin again on XX/XX/XXXX for an explanation. I was then told to contact their Quality Assurance dept. It was at this time I was finally told that although I was making payments on time according to the judgement, I was actually still past due, so those payments didn't count in the actual month they were made. After not feeling satisfied with this answer, I was referred the the Regional manager over the XXXX Ga branch. I spoke with him on XX/XX/XXXX, he was very rude, disrespectful, and condescending. He informed me that nothing would change and that I did not pay my debt on time. When I asked why this was not disclosed to me at the time, he just continued to repeat, I did not pay my account as agreed. I do not feel that I was given full disclosure as to the status of my account and how payments were being applied. I never received anything stating I owed anything additional to what I was paying. Print out received on XXXX, does not even reflect this. 1st Franklin needs to update my credit report to show my payments on time as I feel they are in violation of my rights as per the Fair Credit reporting Act and the Consumer Finance Protection Board.

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 2020-07-28 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: CA

Complaint narrative:
on XX/XX/2020 I sent Experian the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
I never received a notice of debt or communicated with this debt collection company. I never paid this debt collection company any money. I satisfied my debt with the original debtor XXXX XXXX prior to this debt being reported on my credit reports. I disputed this debt and the company reported it as paid with a {$0.00} balance but did not remove the collection. I do not owe this company nor have I had any communication with them.

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 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion reported that I had a past due debt to XXXX XXXX   Collection. I found this out from XXXX, and I went though many hoops to get TransUnion to allow me to dispute the report. TransUnion would not allow me to dispute it at first because of its system locked me out of the account that I made with it for the purpose of disputing errors on my credit report. Once I finally was able to go through the dispute process, I submitted documentation and a statement explaining that TransUnion keeps allowing the same fraudulent charge onto my report. I explained that TransUnion is forcing me to do this process again after I just disputed this collection with TransUnion three months ago and had it removed by TransUnion when XXXX XXXX XXXX reported the same collection. 

Today, I was notified when I logged into XXXX that TransUnion updated my report. However, TransUnion did not remove the erroneous collection. When I tried to dispute the process with TransUnion again, I was barred from doing so because TransUnion says that my dispute is still in progress and that I cant open a new dispute until the current one is resolved. Not only has TransUnion failed to do its due diligence as far as what it allows to be added to my credit report, it has failed to notify me of the conclusion of its investigation into my dispute and is now violating my right to undergo the dispute process.

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