vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: AL

Complaint narrative:
Account numbers # *XXXX Account # XXXX *XXXX Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX *XXXX Account # 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 2023-04-06 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: I.C. System, Inc.
State: TN

Complaint narrative:
I received an alert through XXXX XXXX that a collection appeared on my credit report for XXXX XXXX for {$920.00}. The collection was placed on my credit report by an IC Systems. Ive never heard of an IC Systems and Ive never had XXXX XXXX XXXX services. And, logically, if I had XXXX XXXX, how would my bill be XXXX XXXXXXXX? That makes no sense. This is fraud. I disputed this with the credit bureaus but I received a message saying this is a legitimate charge. If you review my credit report, you dont see any history of me not paying bills so why would I start not paying bills now. I have a problem with the credit bureaus placing this information on my credit report, lowering my score, without verifying this debt with me in this fraud environment. The credit bureaus assumed this is a legitimate debt and assumed that the customer didnt pay. Im filing an identity theft police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: GA

Complaint narrative:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: MD

Complaint narrative:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with the company directly but was avdised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # 1 : XXXX case # 2 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT

Complaint narrative:
this account was put in my credit report falsely. I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines

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 2023-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Palisades Funding Corporation
State: NY

Complaint narrative:
I bought a car from XXXX XXXX with a down payment of {$22000.00} and finance the rest of {$16.00} XXXX the price of the car that I sign for was {$33000.00} for XXXX XXXX with XXXX mile on it z.., the loan payment was XXXX each month.. I been paying the loan for 2 years and 3 months .. which add up to {$28000.00}.. I even have a letter statement from the company that Im finish pay for the car .. for the car which I will provide .. the car company forced and illegally towed my car yesterday.. Im contesting the towed and he pushing me away .. which is illegal because they have use forced .. also I have an active case going on with the loan company which the ignored ..the company also breach consumer code us code 15 -1602 and us code 15 -1622 .. im finish paying for the car but the loan company is doing illegal thing to take my car .. they loan company also violated a number of rule .. the company never gave me any money in hand .. and for a consumer transactions to be valued money must be in hand .. that never happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies XXXX U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, XXXX needs XXXX remove the Public record please XXXX asking CFPB for help again thank you

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 2023-04-06 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: CT

Complaint narrative:
this is not my account collection should not be allowed to do this

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 2023-04-06 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: PA

Complaint narrative:
There are credit inquiries on my report from XXXX XXXX that I did not apply for and I did not authorize this company to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PR

Complaint narrative:
I have been a Western Union Customer since many years ago. On XX/XX/2023, I have been a Fraud Victim by sending money thinking I was going to get a loan ( Transaction Number XXXX ) for the amount of {$380.00}. Immediately I reported to the Fraud Division ( Case # XXXX ). During XXXX month, I tired many times to send money to my siblings, and then get this " error '' from Western Union ( XXXX Transaction Not Allowed ). Then after that issue, I submitted all the required documents to the website www.westernunion.com/gcr and filled their survey. Then, I received the same message that Western Union that my money transfer services have been discontinued and they don't want to tell me the reason because if their " internal politics ''. It's unfair that instead of punishing the scammers, Western Union punishes me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines

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 2023-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: NY

Complaint narrative:
I bought out me leased vehicle through Audi Financial service in beginning of XX/XX/2023. After weeks passed I called regarding title status. They told me that they were changing title company 's and there was a 4 week delay. I have called and used Audi care website over a dozen times and to date still no title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: PA

Complaint narrative:
There are credit inquiries on my report from XXXX XXXX that I did not apply for and I did not authorize this company to pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are credit inquiries on my report from XXXX XXXX that I did not apply for and I did not authorize this company to pull 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 2023-04-06 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: Alorica Inc.
State: CT

Complaint narrative:
I am filing this complaint against XXXX and SSTXXXX for continuing to report and furnish inaccurate information on my consumer report after several disputes have been launched and being in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I received correspondence from Sunrise credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Approx. XX/XX/XXXX filed a dispute with XXXX after collection account showed up and I questioned account? 
XXXX did a request and returned an answer on or about XX/XX/XXXX. 
The amount in question was for {$520.00} for lab services. 

The answer was that they noted I disputed but was done under the Fair Credit Reporting Act.

Three days [ letter dated XX/XX/XXXX ] a letter arrived from the company Radius Global Solutions, LLC requesting data and stating they did contact credit bureau, XXXX  to state I disputed information. 

Now, they want information to submit. This should have been done prior to submission. The collection agency and lab company are aggressive and will not do due diligence. 
This bill was done in error by doctor submitting and corrected per a phone call by patient. I assume the lab company did not verify nor did doctor remove because of payment by insurance company.

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 2023-04-06 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: AL

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose * XXXX  XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.

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 2023-04-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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:
My name is XXXX 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 15 U.S. Code 1681b 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