vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
This is my 3rd time disputing this! Per their letter which is also attached, it states : TEXAS RESIDENTS : by law we can not sue you nor will we report to your credit report due to age of debt. They replied to complaint XX/XX/XXXX they would cease contact and notify creditor of dispute then they STILL put it on my credit on XX/XX/XXXX, I filed another complaint and they just copy/paste their previous response. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT. YOUR PRACTICE HAS BEEN UNETHICAL IN THIS EXPERIENCE, NOT ABIDING BY THE LAWS IN PLACE. I DONT OWE YOUR CREDITOR ANYTHING. Almost 7 YEARS AGO THEY FAILED TO BILL XXXX FOR THE PHYSCIANS BILLING. The hospital billed and got paid. YOU CAN NOT BILL A XXXX PATIENT BECAUSE YOU FAILED TO BILL IN TIMELY MANNER. You all have damaged my credit and it needs to be REMOVED immediately! This is insane!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
XXXX - XXXX {$1500.00}. I first submitted my complaint to Equifax and XXXX on XX/XX/XXXX asking them to verify this unknown account. XXXX and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( Equifax and XXXX ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
I noticed a collection and a few inquiries on my report that I do not recognize

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 2021-10-11 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:
I noticed a collection and a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
XXXX - XXXX {$1500.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX  ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.

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 2021-10-11 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: GA

Complaint narrative:
XXXX XXXX is a fraudulent account that was furnished to my consumer report and file for TRANSUNION LLC this month. However, it states that this fraudulent account was opened on XX/XX/2021. I pulled my consumer report on XX/XX/2021 and it does not reflect this fraudulent account on my consumer report so why is TRANSUNION LLC lying about furnishing it in XX/XX/2021. I have attached letter to TRANSUNION LLC, FTC report, drivers license, and proof of address. I do not understand why TRANSUNION LLC continues to furnish inaccurate information that they know defames my character. It is stressful and causing XXXX  because I do not know what they will inaccurately furnish next. Its almost like they are purposely furnishing things in my name to keep me from being able to have credit extended to me.

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 2021-10-11 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: IL

Complaint narrative:
I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 



The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 account does not belong to me, please block and remove under 15 USC 1681c-2.

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 2021-10-11 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: GA

Complaint narrative:
I submitted an FTC report to TRANSUNION LLC on XX/XX/2021. I explained in the attached cover letter my demands for furnishing these fraudulent accounts. I advised TransUnion LLC that if they believed I obtained goods or services to have a senior executive under the penalty of perjury draft an affidavit that states I have received goods or services as a result of the alleged accounts. Also, demanded to see documentary evidence that feared my wet signature proving I entered into the alleged transaction. Said notice gave them 5 business days to produce such documentary evidence. As you can see 6 calendar days later on XX/XX/2021, TRANSUNION LLC wrote with the attached denial letter stating that they would not be deleting the information as the law stated they should if they couldn't prove the validity of the information they were furnishing. Such denial did not address or provide any of the documentary evidence that I demanded to see which violated my block demand. Instead of doing as I demanded, TRANSUNION LLC, added an extended fraud alert without my authorization and said they would conduct a reinvestigation. I received this " alleged '' reinvestigation dated XX/XX/2021 on XX/XX/2021 via mail. It stated that their alleged investigation was updated and verified as accurate. However, I attached a letter explaining the multiple inaccuracies found in this alleged reinvestigation of the alleged accounts. For example, the alleged accounts show that they are in collection but never late and they do not even have payment history that dates back to when the alleged accounts were opened. The reporting of the fraudulent accounts are inaccurate and that alone should have them block, deleted and removed from my consumer report and file.

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 2021-10-11 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 account does not belong to me, please block and remove under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TX

Complaint narrative:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

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 2021-10-11 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:
XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX  ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and XXXX ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .

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 2021-10-11 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:
XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .

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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I am currently a XXXX XXXX  customer and have been for several years with automatic payment on all activities. I have had nearly perfect credit for at least a decade. Recently on XX/XX/21 when trying to refinance my mortgage, I was notified by my broker that my credit score had dropped over 100 points. I learned that the cause of this was a {$120.00} internet bill from XXXX XXXX ( XXXX ). As a result I was unable to be qualified for a mortgage that would have saved me thousands of dollars each month for the next 30 years. To this day I have never received any notice of a debt owed either by postal mail, phone or email. That day, I immediately contacted XXXX and Amsher collection services to resolve the issue. The only information I was able to get from these companies was that the bill was from unreturned internet equipment. Both companies have denied requests for a credit mark deletion letter despite their error, despite XXXX receipt and proof of equipment rental return ( XXXX claims the debt is from unreturned equipment ). They have made it nearly impossible to resolve the issue as I have given them proof but the credit report marks are not being reversed. I immediately paid the fee out of desperation even though I am not at fault. Both companies have still refused deletion letters. I have been a loyal paying customer to XXXX for several years and yet this company couldnt appropriately notify me of a simple debt, despite having all of my contact information. This behavior in a large company is troubling to me as it is directly responsible for a negative effect on my finances and many other consumers over the long term. What is more troubling is that this behavior occurs regularly to other consumers and there is little recourse against XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: IN

Complaint narrative:
I was going through my Experian credi report an found multiple hard inquiries that i didnt do or authorize. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 I did not do any of these nor do i know who did.. I need some help getting this removed from 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 2021-10-11 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: IL

Complaint narrative:
I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
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 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

today ( XX/XX/2021 ) I entered into a consumer credit transaction with Truist Bank d/b/a Lightstream to use my right to extend credit for personal and household purposes. I understand that Credit is a right pursuant to 15 usc 1602 ( f ) and I exercised this right in good faith when I completed the credit application and this denial letter constitutes discrimination under 15 usc 1691 ( a ) ( 3 ) and Truist Bank d/b/a LightStream also willfully and knowingly gave me false and inaccurate information for giving me an adverse action in an extension of my own credit as a consumer and they can now be held criminally liable pursuant to 15 usc 1611 and can be fined up to {$5000.00} or imprisoned not more than one year or both.

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 2021-10-11 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: MN

Complaint narrative:
The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX The credit inquiries arent my credit inquiries. They are all fraudulent and unauthorized.

Company response to consumer: Closed with explanation