vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: Aldous & Associates, PLLC
State: TN

Complaint narrative:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-11 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: PA

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

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 2022-10-11 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: NY

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

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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I cashed a check from my XXXX account. It was flagged as fraud. I never received any information saying my account was locked. Once I found out I came to the bank to find out what was wrong. Was informed of the situation and was told there is nothing they can do and I would have to wait for an analyst. I could not touch my direct deposit from work. I got an overdraft fee because I could not touch my money. And its been almost 2 weeks now and nothing has changed. I was told by the fraud department to come into the branch and they could release my deposit for work. The branch told me they couldnt help me. The money has been sitting in the account now for several days but continues to stay locked.

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 2022-10-11 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: I.C. System, Inc.
State: TN

Complaint narrative:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

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 2022-10-11 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
I have a dispute with Experian about a debt collection from XXXX. I dont make any contract and I dont know nothing about XXXX wireless XXXX I sent my paper to experian. The experian investigation said that the information is accurated and put it on my report. Experian is not a judgment instance. I want you help me making Experian erase this bad and false info on my credit until a court house say the opposite please.

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 2022-10-11 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: FL

Complaint narrative:
Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, XXXX, Experian, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX  if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!

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 2022-10-11 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: PA

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

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 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
So I lived in the district of XXXX XXXX apartments where I was paying rent and I always payed what was on my lease agreement months and month go by and they put a note on my door for a difference of {$2500.00} which I had no prior acknowledgment nor was notified about they was stating that it was the the difference that needed to pay I also had already notified the leasing office we will be terminating our lease due to military orders which also by law states that we can break are less with no extra penalties Under the SCRA, to end a housing lease early without penalty you must : Prove you signed the lease before you entered XXXX XXXX and that you will remain on XXXX XXXX for a minimum of 90 days. Provide your landlord written notice of your intent to end the lease early and a copy of your military orders. Which I had provided to them so now theres a debt collection on my credit and they are saying I was evicted when in the fact its not true also there notice says different dates from which they put it on my door which makes the notice incohesive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Freedom Mortgage Company
State: LA

Complaint narrative:
The mortgage was paid in full on XX/XX/XXXX. It is still showing incorrectly on all 3 credit reports. The account is closed but its still showing open with a balance which is impacting my score negatively.

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have three mortgages with XXXX XXXX that have been transferred to Truist Bank for servicing. I received a letter on XX/XX/2022 from XXXXXXXX XXXX  for each loan stating that my servicing was being transferred to Truist Bank. This letter also said that I would receive a letter from Truist about my new account. I never received those letters. My mortgages are due on the first of each month. I have been trying to set up an online account with Truist since I got the letters from XXXX XXXX When I attempt to do that on Truist Bank 's website, I get an error message and a message that says I need to call Truist Bank after XX/XX/XXXX. I have called several times with no action on Truist 's part to allow me to pay my mortgages. Today is XX/XX/XXXX, so I call Truist Bank to set up the online account so that I can pay my mortgages, and after being on the phone for over 30 minutes, I was told that to pay my mortgages, I would have to sign up for an online bank account with Truist Bank first. I do not want to do this, and it seems that they are purposefully making it difficult for me to make a payment. I just want to pay my mortgages. I feel like this is a violation of the law ( requiring me to sign up for a bank account to be able to pay my mortgages ) and tramples on my rights as a consumer. I didn't ask for any of this. I just want to pay my mortgages.

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 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
MRS BPO, L.L.C., sent me information on account I have no knowledge of. I have not conducted business with this company or provided them with my information. They advised me that it's a debt from XXXXXXXX XXXX in the amount {$3200.00} which I have no knowledge and is fraud. 
MRS BPO, L.L.C., is no licensed to collect funds in the state of GA as well and acquired my location information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 The account is Also closed but remains visible and harming my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-10-11 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: OH

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 name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
XXXX please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide letters from the fraud specialist and attached these letters to each credit bureau.

Company response to consumer: Closed with explanation