vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not 100 percent accurate. I have a lot of inconsistencies between the 3 bureaus, below I have listed them out for you. 

TRANSUNION Account Name : XXXX XXXX XXXX  XXXX Errors Found -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3bureaus -last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX Account Name : XXXX XXXX  XXXX Errors Found : -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3 bureaus -Last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX XXXX Name : XXXX XXXX XXXX Number XXXX Error found : -open Date is not uniform with all 3 bureaus -last reporting date is not uniform with all 3 bureaus -last active date is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate coming from ONE source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

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 2022-09-02 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: CL Holdings LLC
State: SC

Complaint narrative:
I have never had JEFFERSON CAPITAL SYSTEM as a creditor. Per my research JEFFERSON CAPITAL SYSTEM is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that JEFFERSON CAPITAL SYSTEM provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with JEFFERSON CAPITAL SYSTEM.

In addition please provide the contract signed between JEFFERSON CAPITAL SYSTEM & 12 XXXX XXXX, notarized and sworn under penalty and perjury for JEFFERSON CAPITAL SYSTEM ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: GA

Complaint narrative:
XXXX US SM BUS ADMIN ODA XXXX OF XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
Hello, On XX/XX/2022 I sent a personal letter to Experian credit bureau asking them to remove the following inquiries that I did not authorize on my credit report. It is XXXX and I have yet to hear back from Experian about the information I requested that they look into. 

Here is a list of the inquiries I sent over to them Experian 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 explanation
Consumer complaint received 2022-09-02 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: GA

Complaint narrative:
XXXX US SM BUS ADMIN ODA XXXX OF 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 2022-09-02 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: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2022-09-02 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: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I need to dispute a charge on my debit card ending in XXXX from XXXX XXXX  made on XX/XX/XXXX for an amount of XXXX, XXXX  XXXX It was an XXXX XXXX XXXX, the seller never sent the item to my address and also never provided any tracking number or more information about the shipment. 
The merchandise must be delivered on XX/XX/XXXX, but until now that has not beed delivered to my address. 
I tried to contact the merchant several times but they never replied to my or answered the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
The company is not correcting the issue related to a closed and settled account being used on my credit report. The account was closed and settled per 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 2022-09-02 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: MD

Complaint narrative:
XXXX XXXX is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've sick for three months so due to that was unable to work for that time frame. 
In XXXX XXXX XXXX decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.

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 2022-09-02 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: NV

Complaint narrative:
I am concerned that the credit companies have ignored my formal requests to have negative info from my credit report regarding XXXX XXXX Jewelers. I jabe contavted them as well as the ftc amd no one has done anything.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this 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 719XXXXXXXX  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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank reported a balance on my card to the credit bureaus even before the transaction was completed. The transaction in question never completed however since TD bank reported to the bureaus in haste, it hit by credit score by XXXX  points. I was at XXXX credit score whihc took years to acheive. Not only that they did not wait 30 days for statement to generate to report balance to the credit bureas whihc is the startdard practice. 
Their negligence in reporting has adversely effected my score and I would like TD to resolve this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
In response to complaint # XXXX 1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 


2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I talked to a representative today and I was told that my federal loan was not eligible for the extended payment suspension until XX/XX/XXXX. The explanation given by the representative was that my loan isnt eligible because it is serviced and funded by Navient as a result of a promissory note from Sallie Mae to Navient in XXXX. Im having a hard time understanding that because in XXXX, I believe my loans were serviced by XXXX. I have yet to see this documentation. If it has my signature on it in any way, it was obtained through fraudulent means. Im requesting that Navient forward to me the loan documents that support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: I.C. System, Inc.
State: KS

Complaint narrative:
A few months ago, I disputed a collection account on my credit reports from I.C. Systems ( collecting for XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT IC Systems Inc, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with XXXX ( who typically is the first to remove trade lines, which shows IC Systems never requested deletion. On XX/XX/2022 I disputed the collection with XXXX & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( IC Systems Inc ) and that the furnished told them the account was in fact reporting accurately. BOTH XXXX XXXX I.C. Systems Inc are both being negligent and in fact are disrupting my financial future by not doing right by what IC Systems has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against XXXX XXXX IC Systems. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for IC Systems changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.

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 2022-09-02 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I just saw that I had a Hard inquiry on my credit report ; which I had no idea what that even was. I XXXX the company it has listed which is COMENITYCAPITAL/XXXX on XXXX, 2022. I had to XXXX what that was & what it meant. It means that this company pulled my credit report without authorization!?! Or someone has applied for a XXXX XXXX XXXX with Comenity Capital Bank. 
Which I have NEVER EVEN HEARD OF. Now what do I do to get this off & dispute it..? This is so very frustrating. 
So I called the number they gave me online & they answered the phone as a different name of a different company ; so I called same telephone number back & they answered the phone as ANOTHER DIFFERENT name of a DIFFERENT company! & when I called him out on it ( because I could tell it was the same voice- which was foreign. ) He actually hung up on me..!! & Im just not sure who to trust giving out any of my information to be able to confirm my identity.

Company response to consumer: Closed with non-monetary relief