vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: UT

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX  XXXX. Please remove this account in my credit file ASAP.

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: NM

Complaint narrative:
Sent to Debt collector I am following up after receiving your letter. It does not show that they responded to my request for an itemization of debt. The original information they sent also did not have the actual debt amount, minus any credits attached. They did not provide me with accurate and required information/documentation. They sent me the collection notices on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, according to the picture XXXX provided of the email transactions. 

The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. 

This information will help you recognize whether the debt is yours and, if not, how to dispute it. 

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt I responded on XX/XX/XXXX saying this is the first notice of anything owed. I need an itemized invoice of the damages youre claiming. 

I responded again on XX/XX/XXXX saying Again, I need an itemized invoice of the damages you are claiming. I asked this in response to the first email you sent me a few days ago. 

No itemization provided proving I owed debt, nor a way to dispute debt was proved within 30 days of me requesting debt validation. 

XXXX sent a itemization on XX/XX/XXXX, 8 months after I initially requested the information. 

I need validation of the them sending me debt validation within 30 days of my initial request. 
Said debt validation will need to show that it had the full amount owed, what was owed, minus any credits and all additional information requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance Owed : {$200000.00}

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 2023-05-08 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance Owed : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong PORTFOLIO RECOVERY this is a written request for you to cease and desist all forms communication with me effective immediately. 

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) t o advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore, you have no jurisdiction or authority to collect on this alleged debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

volenti non fit injuria Volenti non fit injuria is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You PORTFOLIO RECOVERY knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: CA

Complaint narrative:
Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. Please correct the accounts listed below : XXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$470.00}, XXXX XXXX Balance Owed : {$0.00}

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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX ( Original Creditor : 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 2023-05-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I had to visit the hospital due to an illness, I was retained in the XXXX until XX/XX/XXXX. Upon departing the hospital I checked my US Bank Relicard, and noticed there were several charges I did not conduct. These charges were at a XXXX And XXXX XXXX and XXXX bill, all of which were not near me. There were also some ATM Withdrawals. My wallet was stolen with the card, and I do not know whom stole it. I did not realize it was stolen until I left the hospital since I was in the ICU. US Bank asked me to send in a signed " letter or statement of dispute upon waiting for their statement of dispute to arrive in the mail '' I did send a statement of dispute and evens on XX/XX/XXXX. Then subsequently received the forms on XX/XX/XXXX and XX/XX/XXXX after calling AGAIN to see where the forms were. I wrote exactly what happened. There were two additional charges for XXXX, and these XXXX Trips were for me to go to and from the hospital. This didn't require me to type in a card number because the card was already saved on this app. So again, I was not aware my card had been stolen. US Bank when I called back on XX/XX/XXXX I was told they investigated my " Fraud Claim '' on XX/XX/XXXX and XX/XX/XXXX and determined no error occurred and that they " Verified '' I or someone was authorized by me to make these transactions and that they benefited from the transaction. This not only is false, Especially since I was in the hospital and these MERCHANTS ARE IN XXXX OKLAHOMA. 2 Hours away from me. I do not own a car and would not have been able to make it to this location while in the hospital. It's not possible to be in two locations at once. Again I never authorized these transactions, nor Did I receive any benefit from these transactions I was in a hospital in XXXX, TX. These transactions occurred in XXXX, OK. I do not believe this was properly investigated and XXXX belief US Bank quickly rushed this out so they did not have to refund the money that was stolen from me. This is beyond frustrating. 
XX/XX/XXXX ATM Withdrawal {$360.00} - ATM Says in XXXX OK, XXXX. Again Different state. 
XX/XX/XXXXXXXX XXXX {$10.00} - California XX/XX/XXXX ATM Withdrawal {$20.00} XX/XX/XXXX XXXX XXXX {$20.00} - Us Bank had to send second dispute form after they missed.. 
XX/XX/XXXX ATM Withdrawal {$140.00} XX/XX/XXXX ATM Withdrawal {$100.00}. 
XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$10.00} XXXX Ok XX/XX/XXXX XXXX # XXXX XXXX {$230.00}

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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
the company reported debt after i called them and let them know this isn't my debt. i don't owe {$710.00} to any company. I also told the agent that their company is not licensed to report debt or any kind in my state. They can only report a debt in Arizona, Idaho, Indiana, Nebraska, north Dakota, and Oregon. I live in neither of these states. 
I verbally disputed this debt and also asked kindly that it not be placed on my credit report with any reporting bureaus. I informed the agent that their company is not licensed to report any debt in my state and that under the fair credit act it is illegal for them to do so. That their actions will cause a negative result on my credit scores. 
i am submitting a complaint against ccs commercial, llc mailing address XXXX XXXX XXXX XXXX, ma XXXX i spoked with this company a few times about this situation and the agents were rude and didn't want to hear what i was talking about. Their response would be pay the debt and how would i like to pay. when i brought up the state where i lived and asked them to send proof of me owing this debt, with an explanation of their methods used and a description of the record reviewed, when they conducted their investigation, including but limited to sending a copy of that information to me so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. as per section 609 under the fair credit act, i am entitled to see that source of the information which the original contract that contains my signature. also the original contract that that binds me with ccs commercial llc which should be sent by recorded delivery so there is independent witness to it having been delivered. 
There for under these circumstances i am submitting this complaint and requesting that this company removes this debt from my credit report from all 3 bureas .. transunion XXXX equifax and experian. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NC

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-05-08 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: CA

Complaint narrative:
Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. Please correct the accounts listed below : XXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$470.00}, XXXX XXXX Balance Owed : {$0.00}

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 2023-05-08 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance {$37000.00}.

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 2023-05-08 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance {$37000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
I am seeking a letter containing the lump sum, how to pay any lump sum, including the ARSI account number, and where to send any payment, with a cashiers check sent certified mail. I do not get through to anyone who can provide this information, so far, in 2 weeks of trying. I mailed a priority mail ( tracked ) letter two weeks ago, seeking information in writing. I am still waiting for it. XXXX  wont take money and cant or wont provide an account number to even access the ARSI website to allow payment, despite XXXX not selling the debt ( based on calls to XXXX ). ARSI is collecting for XXXX.

Company response to consumer: Closed with explanation