vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Screening Reports Inc.
State: TN

Complaint narrative:
I have applied for an Apartment and they use Screening Reports Inc as a third party provider. They say I have no credit history with XXXX yet I have a full credit report when I go to their website. I called them and they spoke with me that they are only using the information given and would not let me provide the information I have so they can correct it. They are preventing me from securing housing and I will not be able to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
RECEIPT OF UNREQUESTED XXXX XXXX XXXX VALIDATION LETTER AFTER STATUTE OF LIMITATIONS EXPIRY On XX/XX/XXXX, I received a telephone call from Transworld Systems Inc representing XXXX XXXX XXXX XXXX XXXX  ). The collection agent told me that I owed money for a private college student loan. I stated that I knew nothing of this debt, and that I had never received a private student loan in college, the conversation ended shortly after that. At no time during the conversation did I request a validation of the debt. 

On XX/XX/XXXX, I received a 46-page debt validation letter that I did not request for a loan that is 7 years past the statute of limitations. 

Upon reviewing the document sent to me it showed that the loan defaulted on XX/XX/XXXX, and according to the Washington attorney generals office the statute of limitations has expired for this type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}

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 2022-05-25 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: FL

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 XXXXXXXX acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-05-25 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 XXXX acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, XXXX, Equifax These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
1.XXXX ( Fraudulent ) 2.XXXX ( Fraudulent ) 3.XXXX  ( Fraudulent ) 4.XXXX  ( error paid ) 5XXXX XXXX  ( Fraudulent ) 6XXXX XXXX XXXX ( Fraudulent ) 7.XXXX  XXXX ( Fraudulent ) 8XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) 9XXXX XXXX XXXX  ( Fraudulent ) 10XXXXXXXX XXXX XXXXXXXX ( Fraudulent ) 11XXXX XXXX XXXX Fraudulent ) 12.XXXX  ( Fraudulent ) 13.XXXX ( Fraudulent )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  XXXX Account # XXXX XXXX XXXX XXXX, Account # 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 2022-05-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: IL

Complaint narrative:
Saw a fraudulent hard inquiry and contacted the company XXXX XXXX  ). I was told they would send a dispute letter which they have not. I'm trying to dispute the hard inquiry.

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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was incarcerated from XX/XX/XXXX until XX/XX/XXXX, upon my release it was discovered that my identity had been stolen during my incarceration. This person had access to all of my personal information including bank accounts and credit cards. I notified the bank of the situation and they did an investigation, I was later notified that the monies transferred from my account would not be reimbursed because they do not believe there was a fraud involved. I have legal documents to prove that the transactions could not have been made by me as I was incarcerated, the bank did not allow me to prove this to them by asking for such documents. I am currently out {$1300.00} from my checking account.

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 2022-05-25 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: DriveTime
State: NY

Complaint narrative:
As of XX/XX/2022 the is a hard inquiry on my credit report from drivetime. I never applied for drivetime. This is not an inquiry or application that Ive submitted to drivetime. I never authorized drivetime, verbally Nor have I ever authorized them to run my credit physically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX Bank forward an amount to Resurgent Capital Services for an amount of XXXX $ unlawfully racking up a debt that I tried to inform XXXX  XXXX bank of fraudulent charges. After unlawfully adding XXXX $ of extra charges they then forward this debt to Resurgent. I have been a victim of credit card theft and was trying to get it fix to only find out I had to report my findings within 60 days and it was too late, I had my card half way paid off and then an unknown charge of almost XXXX $ was made and for some reason my account went in the red. I feel as though I am not responsible for this debt as I tried to fix it and was denied ; now Resurgent Capital Services wants everything but my kitchen sink for proof of this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against United Revenue Corp for committing identity theft. I have never given United Revenue Corp any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from United Revenue Corp before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If United Revenue Corp can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Revenue Corp can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and United Revenue Corp continues its collection efforts, I will file for litigation for actual damages caused and United Revenue Corp will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX 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 2022-05-25 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : 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 2022-05-25 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: VA

Complaint narrative:
Information was leaked in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I wanted to send {$5000.00} to my cousin in XXXX on Monday, XX/XX/2022. 
I went to the nearest Citizens bank branch to my home. 
I have a checking and saving personal and business account with this bank. 
Prior to going there, I booked an appointment with XXXX XXXX the branch manager. 
He assigned one other banker to assist me. 
Banker asked for my information, and beneficiary ( my cousin ) information to transfer. 
I have indicated and emphasized that I'd like to transfer the same dollar amount. 
I agreed on paying {$75.00} for fees. The piece of paper that I signed also indicates Total to the Recipient : XXXX USD. 
My cousin informed me today ( XX/XX/2022 ) that the received money was XXXX euros. 

This was not what I have asked my bank to do, this money is much less than what I expected, it is not what I expected, and Citizens bank has violated the customer 's right. 
My right to request banking services as exactly indicated above, my right to be informed. 
I called the office of transfer ( XXXX ), and when I complained about the above issue, the citizens ' bank manager hung the phone on me ( Disrupted the phone conversation ).

Company response to consumer: Closed with explanation