vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: MD

Complaint narrative:
I filed a complaint two times. The first time IQ Data International stated that is going to send the proof of debt. I did not receive this information. After waiting and no response from IQ Data International. I sent a certified letter. After a couple of weeks, IQ Data International returned my certified letter unopened as a certified letter ( attached ). This item has been on my report for over one year and I have been unsuccessful in getting this issue resolved. The three credit bureaus reporting agencies continues to report even after my dispute of not having the ability of verifying the debt. This defaming information is unverifiable. 
The one of the two CFPB complaints were closed automatically. The reference numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
Several inquires on my TransUnion credit report for auto loans. 

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 2023-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: MN

Complaint narrative:
I requested they send me everything they have from centracare to validate the debt and to also make sure certain Hippa protected information wasnt sent to them also as part of the collection. I have not heard a word back from them. They are in violation because they have not sent me requested information. Also my last name changed after the service was performed at XXXX. It was Theis and now its XXXX, I divorced last may.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to XXXX, but not XXXX and Experian. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. XXXX lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while Experian and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the XXXX bureaus. XXXX reports XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt 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 2023-05-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A . STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. ALSO STATES THAT A CONSUMER REPORTING ANGENCY CANNOT FURNISHA ACCOUNT WITHOUT MY WRITTEN PERMISSION

15 U.S.C 1681C(A) (5) SECTION STATES: NO CONSUMER REPORTING AGENCYMAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE INFORMATION,OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681-2(A) (1) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TI A CONSUMER TO ANY CONSUMER REPORTING AGENCY OF THE PERSON KNOWS OR HAS CAUSE TO BELIEVE THAT THE INFORMATION TO BE INACCURATE.

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 2023-05-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A . STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. ALSO STATES THAT A CONSUMER REPORTING ANGENCY CANNOT FURNISHA ACCOUNT WITHOUT MY WRITTEN PERMISSION

15 U.S.C 1681C(A) (5) SECTION STATES: NO CONSUMER REPORTING AGENCYMAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE INFORMATION,OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681-2(A) (1) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TI A CONSUMER TO ANY CONSUMER REPORTING AGENCY OF THE PERSON KNOWS OR HAS CAUSE TO BELIEVE THAT THE INFORMATION TO BE INACCURATE.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease being reported on my consumer report, as their presence directly violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their inclusion continues to violate multiple laws. Please ensure the prompt removal of these accounts and information without delay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: LA

Complaint narrative:
I, XXXX XXXX XXXX, never gave, TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

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 2023-05-16 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: NC

Complaint narrative:
I disputed an item on my credit report between May 4-8, 2023. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: IL

Complaint narrative:
According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of Illinois. I preface this to say the company Support Collectors , Inc, has been illegally reporting an alleged debt on my credit profile without an Illinois Collection Agency License. The amount of the alleged debt is XXXX XXXX I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Regarding Disputes/Fraud Investigations ... XXXX XXXX XXXX XXXX XXXX XXXX This extremely fouled-up six-week investigation was precipitated by one ( 1 ) improper {$200.00} charge made by XXXX and an over-jealous member of the CitiCard Security team who, when I reported the erroneous {$200.00} charge on XX/XX/XXXX, enlarged the fraud investigation to include ALL of the XXXX transactions. 

As a result, a proper {$530.00} CREDIT ( issued by XXXX ) was removed and has now ( on the XX/XX/23 statement ) has been posted as a CHARGE. 

I have contact CitiBank 5 times in the last 6 weeks, including 3 contacts with your security department. Twice I have sent the requested documents : Doc # 1 : Screenshot of my account taken on XX/XX/XXXX showing both the {$530.00} CREDIT and the {$200.00} Charge both from XXXX. 
Doc # 2 : Email dated XX/XX/XXXX from the XXXX XXXX XXXX verifying that they have issued the {$530.00} CREDIT and that they had not made the charge for {$200.00}. 
Doc # 3 : Email message dated XX/XX/XXXX from XXXX verifying that they issued a CREDIT of {$530.00} AND they had mistakenly charged me {$200.00} in the process, and they have issued a credit of {$200.00}. 

I never disputed any of the other charges by XXXX that was the doing of a member of their security team. 

RESOLUTION NEEDED : 1 ) CitiBank needs to CREDIT my account {$1000.00} ( $ XXXX ) for posting this amount on my current XX/XX/23 statement as a CHARGE. 
2 ) Citibank needs to REMOVE the verified improper charge of {$200.00} ( dated XX/XX/XXXX ) and posted on my XX/XX/23 statement both as a charge and a credit. 

Immediately after my last conversation with several CitiBank security team members, my on line access to recent transactions was blocked as well as my access to the Dispute Center.

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 monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
As of XX/XX/2023 a settlement was agreed on this case and the case was settled for {$1500.00}. Therefore the {$5500.00} shall be remove from my credit report since an settlement has been agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-05-16 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: NJ

Complaint narrative:
I need the company to provide me with proof debt validation of the following accounts : 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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRP BPO is a collection agency for a XXXX  Internet account. I have resolved this matter before as to which the debt is connected to a fraudulent apartment that was at XXXX XXXX XXXX XXXX XXXX XXXX, TX. They bought this debt and now contacting me for collection. I want this debt to be removed and to which my information has been compromised due to the XXXX data breach. I have notified the XXXX, TX police department report no XXXX. I have notified them however they will not respond

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
XXXX- Current, via automated email : " After a review of your account, we noticed activity which requires us to obtain additional information to verify your identity. '' XXXX - Me, in reply via email : I asked several questions, including for more details on how to meet the address verification requirement given the documents I have available, and how to submit my ID verification without using email attachments. ( It should be understandable that some users might be uncomfortable with emailing scans of ID cards etc. ) XXXX- Current, via email : Ticket reply containing exactly the same information as the initial message on XXXX ; none of my questions were answered. 

XXXX - Me, via email : Bumped the ticket reminding whoever would read it that I had asked questions, and repeating the original ( boilerplate ) message didn't answer them. 

XXXX- Current, via email : " Following an internal review of your account activity, we are exercising our right to permanently close your Current account '' Note that the original deadline given for ID verification in the first email on XXXX ( and the copy sent on XXXX ) was 14 days. I should have had at least another week to work with Current and sort this out. 

XXXX - Current app on my smartphone is signed out. Attempting to sign back in yields a message that the account is suspended, and a button to contact account services. Contacting account services does not work ; " Something went wrong '' when I try to submit " feedback '' to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number XXX-XX-XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX Northside XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
Rushmore obtained an assignment of an already settled account from XXXX XXXX XXXX XXXX XXXX who I defaulted after serving their COC : XXXX XXXX with a promissory note that she retained but did not credit. My default, invoice and lien is recorded with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX, document # XXXX. The promissory note was obtained by XXXX  well within the 6 month right-of-redemption window ordered by judge XXXX XXXX XXXX ( XXXX XXXX XXXX Rushmore than began unlawfully dunning me for a settled obligation under a new loan number I never signed. Neither Rushmore, their attorney law firm Marinosci Law Group, XXXX  or XXXX XXXX XXXX their ostensible client or the trust they claim to represent, have license to collect in Wisconsin state per 12 USC ss. 1864 and 15 USC ss. 1692 ( i ). Rushmore/XXXX  then hosted an unlawful sheriff sale of the property parcel # XXXX on XX/XX/XXXX. The sale violated Wisconsin code XXXX by posting an alleged judgement settlement amount where bidding might start ( which had already been satisfied with the promissory note mentioned above ) and then beginning for more than twice the published amount. I purchased the property post sale in excess of the bank but the clerk of court dishonored my instrument in writing. According to WI XXXX the debt is discharged. Rushmore, XXXX lawyers and XXXX XXXX  are engaged in criminal theft of real property and RICO violations with XXXX XXXX. I refer this case to US DOJ and FBI for mortgage fraud, grand larceny, identity theft, theft of real property, estate embezzlement and racketeering. I joinder with class action suit based upon FBI case file XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
around XXXX, I checked my annual credit annual report and noticed an inquiry from city bank and an account that was recently opened with Best Buy, I contacted the company as to why they are showing an account under my name because I did not have applied to have any account with them, the city Bank fraud department opened an investigation and the account was closed and as being fraudulent account and then city Bank removed their reporting from the credit reporting agencies, around XXXX of XXXX a collection reporting company start to report the same account as charged of trying to collect a debt, city bank had sold the same fraud account which it has different date of birth and address and last name to the collection company XXXX XXXX XXXX XXXX, again during annual credit check this year I noticed the collection company XXXX XXXX XXXX XXXX showing up on my credit report, I have contacted both city Bank and Resurgent Capital as to this account is not my account and should be removed but city Bank is sending me to the collection XXXX XXXX saying they no longer have the account and Resurgent refusing to admit they are reporting an fraudulent report that does not have my correct ID or anything connecting me to the 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