vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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:
in accordance with the Fair Credit Reporting act 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 an 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 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX a business client sent {$300.00} to my business venmo account. The money was marked " on hold '' by venmo, asking that I submit tax information. Having already done so previously, when I clicked the tab indicated this time, it went nowhere and did not allow me to verify tax info ( because I'd already done so ). On XX/XX/XXXX I initiated email contact with customer support with no resolution. On XX/XX/XXXX I called customer support and they could see I had verified my info and they could not say why my money was not being released. I was told I would get an email from their account support team within several days. I never received an email. On XXXX I called back, at which time I was asked to submit documentation of screen shots outlining what I see when I try to verify tax info. I submitted all requested screen shots on XXXX. After continued attempts to get information from venmo on XXXX, XXXX, and XX/XX/XXXX, with no resolution, I am now taking further steps. They are saying they don't know what the issue is, and they have no ideas when it could be resolved. I can not get answers, and most importantly can not get my {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17 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:
in accordance with the Fair Credit Reporting act 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 an 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 2022-06-17 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I XXXX am stressed out about this Company call National Credit Systems. They are on my Consumer Reports holding me back financially by staying on it, attempting to collect a debit on behalf of a Creditor. They also even state they are collecting for another Creditor which is illegal. This practice makes National Credit a 3rd party Collector. I have no contract with National Credit nor ever gave them any permission to report anything on my Consumer Report. They are required by law to notify me 1st before they want to post on my Consumer Report.

15 U.S. Code 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

National Credit Systems have been contacted by me several times and each time they have stood by their efforts to insist that i owe them a debt.

I have sent them an Affidavit Of Truth which stands as truth in a court of law. They sent my mail back to me but yet i sent the mail to the address listed on my Consumer Report they had as their listed address. I had to find another address for them online. They clearly are playing games trying to avoid truth. They have not sent back a rebuttal by Affidavit. My word stands as Truth in a court of law.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The debt is reported in positve amount not in a negative amount as owed debt. Also the amount of debt reported has been different amounts. Amounts from {$3500.00} to {$3700.00}. They even sent me a copied contratct where a column for credits listed a security deposit of {$250.00} was added to a credit of {$3400.00}. Then that total what listed in the charges column in positive for of {$3700.00} It makes no sense. This is not fair to me and this is inaccurate and illegal. I have attatched documents with close ups of the copied contracts and my Consumer report where they clearly show they are not Creditors in fact, i point out the XXXX XXXX who listed on the contract. XXXX  XXXX XXXX XXXX. If is not even the name that National Credits Systems listed as the Creditor XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have made 4 attempts to dispute items on my credit report with XXXX and Equifax and they are sending me letters refusing to investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # 1 : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # 2 : XXXX XXXX  XXXX, have violated my rights, Account # 3 : XXXX XXXX XXXX, have violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I spoke with several representatives regarding a late payment of 90 days to my account. The first rep advised they would fix the late payment after a dispute letter was mailed in showing where it was reporting. 2nd rep provided the same details and info on consolidation. 
To remedy the issue with them I entered in a Deferment/Forbearance for my student loan. This is the same type of agreement this company, Navient was recently sued for and had judgement awarded, but these are the only options available. I mailed in the dispute letter, however, have not received any written communication yet, but spoke with them. They advised they are declining the retraction of the late payment after advising me they would update and change. They even advised consolidating the loans after the late payment was removed. I am confused why they would advise this, not honor it, and proceed to report the account in various ways on my credit reports. 
My concern is that as a consumer my rights are being violated by the account reporting differently with each major credit bureau. There are many inconsistencies with the account on each bureau including the addition of the late payment. The account shows closed with one bureau, open with another and recently reported as of XX/XX/22. 
As a consumer, my rights are clearly being violated. It is my right to have fair, accurate information reporting on my credit reports. The information Navient is reporting is inaccurate and has been causing harm to me for the past seven months. Please advise on next steps. I really need help resolving this matter. It is hindering me from moving into a place, purchasing a vehicle and so many other important things to survival. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-06-17 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: IL

Complaint narrative:
I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: MO

Complaint narrative:
First Credit Service continues to contact me about a supposed debit that my wife owes. Will not share information with me, will not mail information to us. At least XXXX phone calls per day, this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX / Acc. # : XXXX / Bal. {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
In accordance with the Fair Credit Reporting act 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 an 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 2022-06-17 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: MI

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX. Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX. Account NumberXXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-06-17 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: MI

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX. Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX. Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX. Account NumberXXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation